Valuation: Pathfinder Bancorp, Inc.

Market Cap 102M 88.23M 82.91M 75.4M 142M 9.77B 144M 971M 380M 4.89B 384M 375M 16.26B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 177M 153M 144M 131M 245M 16.92B 250M 1.68B 658M 8.47B 664M 650M 28.15B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.7%
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 58 2023-05-31
Director/Board Member 65 2004-12-31
Chairman 57 2024-06-05
Change 5-day change 1-year change 3-year change Capi.($)
-0.07%+1.49%+23.35%+134.44% 965B
+0.62%+2.09%+35.17%+108.50% 448B
-0.62%+0.35%+16.50%+104.71% 384B
+0.13%-0.09%+60.16%+145.82% 353B
-0.96%-0.57%+9.52%+108.10% 303B
+0.42%+2.07%+59.43%+137.01% 299B
-0.66%+0.38%+15.64%+93.73% 267B
+0.81%+1.80%+11.85%+103.06% 266B
-0.62%+3.42%+64.59%+232.07% 262B
Average -0.17%+0.91%+32.91%+129.72% 394.09B
Weighted average by Cap. -0.15%+1.02%+31.23%+128.84%

Financials

2024 2025
Net sales 39.58M 34.18M 32.12M 29.21M 54.92M 3.78B 55.83M 376M 147M 1.9B 149M 145M 6.3B 30.49M 26.33M 24.74M 22.5M 42.31M 2.92B 43.01M 290M 113M 1.46B 114M 112M 4.85B
Net income 3.38M 2.92M 2.75M 2.5M 4.69M 323M 4.77M 32.17M 12.58M 162M 12.7M 12.43M 538M -3.42M -2.95M -2.77M -2.52M -4.74M -327M -4.82M -32.49M -12.71M -164M -12.83M -12.55M -544M
Net Debt 98.85M 85.38M 80.23M 72.97M 137M 9.45B 139M 940M 368M 4.73B 371M 363M 15.73B 74.75M 64.56M 60.67M 55.18M 104M 7.15B 105M 711M 278M 3.58B 281M 275M 11.9B
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