PBHC

(NASDAQ)

Pathfinder Bancorp, Inc.

$13.30-- (--)

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Overview Financials Forecast Statistics Dividends Historical Profile

Pathfinder Bancorp (PBHC) Financial Ratios

Valuation, profitability, liquidity, and efficiency metrics with annual and quarterly data.

Pathfinder Bancorp Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	—	31.55	12.12	11.72	10.89	9.89
P/S Ratio	2.86	2.70	2.07	2.56	2.33	1.60
P/B Ratio	0.72	0.88	0.71	1.02	0.91	0.55
Price/Tangible Book	0.79	0.97	0.74	1.07	0.96	0.58
Price/FCF	—	11.67	6.32	6.89	5.34	1.18
Price/OCF	—	9.52	5.51	5.24	5.02	1.15
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	-0.03%	0.04%	0.08%	0.12%	0.12%	0.07%
Return on Assets (ROA)	0.00%	0.00%	0.01%	0.01%	0.01%	0.01%
Leverage & Solvency Ratios
Debt/Equity	0.88	1.12	1.76	1.37	0.99	1.27
Debt/FCF	—	14.92	15.71	9.23	5.79	2.75
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	-0.04%	0.03%	0.11%	0.11%	0.12%	0.13%
FCF Yield	—	0.09%	0.16%	0.14%	0.19%	0.85%
Dividend Yield	0.03%	0.02%	0.03%	0.02%	0.02%	0.02%
Payout Ratio	—	0.70%	0.24%	0.16%	0.13%	0.20%
Buyback Yield	-0.02%	-0.01%	-0.02%	-0.14%	-0.13%	-0.03%
Total Return	0.01%	0.01%	0.01%	-0.12%	-0.12%	-0.01%