Pathfinder Bancorp (PBHC) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Pathfinder Bancorp had return on equity of -1.6% (down from 4.0%), debt-to-equity of 0.86 (down from 1.12) and return on assets of -0.1% (down from 0.3%). Its dividend yield was 2.89%.

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	-	32.20	9.35	11.72	10.89	9.89
P/S Ratio	2.86	2.70	2.07	2.56	2.33	1.60
P/B Ratio	0.71	0.88	0.71	1.02	0.91	0.55
Price/Tangible Book	0.78	0.97	0.74	1.07	0.96	0.58
Price/FCF	8.36	11.67	6.32	6.89	5.34	1.18
Price/OCF	7.46	9.52	5.51	5.24	5.02	1.15
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	-1.58%	3.99%	8.13%	11.73%	12.01%	7.48%
Return on Assets (ROA)	-0.13%	0.33%	0.66%	0.97%	1.00%	0.61%
Leverage & Solvency Ratios
Debt/Equity	0.86	1.12	1.76	1.37	0.99	1.27
Debt/FCF	10.17	14.92	15.71	9.23	5.79	2.75
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	-2.22%	3.17%	10.92%	11.35%	12.27%	13.00%
FCF Yield	11.96%	8.57%	15.82%	14.50%	18.73%	84.75%
Dividend Yield	2.89%	2.39%	2.77%	2.07%	1.83%	2.34%
Payout Ratio	-	70.29%	23.53%	15.75%	12.90%	20.35%
Buyback Yield	-1.92%	-1.01%	-1.58%	-13.71%	-13.35%	-3.23%
Total Return	0.97%	1.38%	1.19%	-11.63%	-11.52%	-0.89%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Pathfinder Bancorp Financial Ratios

What is Pathfinder Bancorp's return on equity?

Pathfinder Bancorp's return on equity (ROE) was -1.6% for fiscal 2025 (period ended Dec 31, 2025). It was 4.0% a year earlier.

What is Pathfinder Bancorp's debt-to-equity ratio?

Pathfinder Bancorp's debt-to-equity ratio was 0.86 for fiscal 2025 (period ended Dec 31, 2025). It was 1.12 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition