Valuation: Pathfinder Bancorp, Inc.

Market Cap 100M 87.56M 80.76M 74.59M 142M 9.55B 144M 965M 379M 4.7B 376M 368M 16.17B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 175M 153M 141M 130M 247M 16.68B 251M 1.69B 662M 8.22B 657M 642M 28.24B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
Manager TitleAgeSince
Chief Executive Officer 58 2022-04-13
Director of Finance/CFO 52 2024-06-27
Chief Tech/Sci/R&D Officer 44 -
Director TitleAgeSince
Director/Board Member 65 2004-12-31
Director/Board Member 54 2013-12-31
Director/Board Member 58 2023-05-31
Change 5-day change 1-year change 3-year change Capi.($)
+0.30%+0.60%+17.29%+127.11% 902B
+0.71%+1.60%+27.69%+103.24% 423B
+1.80%+5.44%+9.71%+87.29% 365B
+1.00%+1.38%+61.56%+138.88% 339B
+1.00%+2.90%+65.67%+137.00% 294B
+0.74%+4.46%-2.50%+86.79% 281B
+0.29%+1.93%+5.58%+101.48% 267B
+0.20%+5.81%+8.28%+84.78% 258B
+2.77%+5.55%+78.52%+234.93% 241B
Average +0.99%+2.93%+30.20%+122.39% 374.34B
Weighted average by Cap. +0.86%+2.41%+27.56%+120.93%

Financials

2024 2025
Net sales 39.58M 34.62M 31.93M 29.49M 55.96M 3.77B 56.9M 382M 150M 1.86B 149M 145M 6.39B 30.49M 26.67M 24.6M 22.72M 43.11M 2.91B 43.83M 294M 115M 1.43B 114M 112M 4.92B
Net income 3.38M 2.96M 2.73M 2.52M 4.78M 323M 4.86M 32.61M 12.81M 159M 12.7M 12.43M 546M -3.42M -2.99M -2.76M -2.55M -4.83M -326M -4.91M -32.94M -12.94M -161M -12.83M -12.55M -552M
Net Debt 98.85M 86.47M 79.75M 73.66M 140M 9.43B 142M 953M 374M 4.64B 371M 363M 15.97B 74.75M 65.39M 60.31M 55.7M 106M 7.13B 107M 721M 283M 3.51B 281M 275M 12.07B
Logo Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.
Employees
-
Sector
Banks