Valuation: Pathfinder Bancorp, Inc.

Market Cap 100M 87.94M 81.54M 74.99M 142M 9.57B 145M 972M 380M 4.7B 376M 368M 16.26B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 175M 154M 142M 131M 247M 16.72B 253M 1.7B 664M 8.21B 657M 642M 28.4B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+1.88%
1 week+0.93%
Current month+2.64%
1 month+5.50%
3 months+18.80%
6 months+13.59%
Current year+15.52%
1 week 15.36
Extreme 15.36
16.76
1 month 14.94
Extreme 14.945
17.4
Current year 12.06
Extreme 12.0567
17.4
1 year 12.06
Extreme 12.0567
17.4
3 years 11.41
Extreme 11.413
19.86
5 years 11.41
Extreme 11.413
21.99
10 years 9.08
Extreme 9.08
21.99
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
Date Insider Type Main position Quantity % Market Cap.
06-14Buy

General Counsel

1,000 0.0205%
06-01
Pathfinder Bancorp ESOP
OtherCompany 0 0%
06-01Buy

Chief Executive Officer

1,400 0.0287%
Change 5-day change 1-year change 3-year change Capi.($)
+1.88%+0.93%+8.23%+14.07% 100M
-0.58%+0.02%+16.62%+125.80% 902B
-0.28%+1.31%+27.33%+102.66% 423B
+2.55%+6.22%+9.98%+89.72% 365B
-0.61%+0.76%+60.57%+137.41% 339B
-0.32%+2.58%+65.14%+136.25% 294B
+1.11%+5.66%-1.56%+87.24% 281B
+0.59%+2.53%+6.20%+102.66% 267B
+0.20%+6.03%+8.74%+86.13% 258B
+2.31%+6.46%+76.39%+231.09% 241B
Average +0.78%+2.54%+27.76%+111.30% 336.91B
Weighted average by Cap. +0.53%+2.41%+27.23%+120.51%

Financials

2024 2025
Net sales 39.58M 34.77M 32.24M 29.65M 56.01M 3.78B 57.2M 384M 150M 1.86B 149M 145M 6.43B 30.49M 26.78M 24.83M 22.84M 43.15M 2.92B 44.06M 296M 116M 1.43B 114M 112M 4.95B
Net income 3.38M 2.97M 2.76M 2.53M 4.79M 323M 4.89M 32.86M 12.85M 159M 12.7M 12.43M 549M -3.42M -3M -2.78M -2.56M -4.84M -327M -4.94M -33.19M -12.98M -161M -12.83M -12.55M -555M
Net Debt 98.85M 86.84M 80.52M 74.05M 140M 9.45B 143M 960M 376M 4.64B 371M 363M 16.06B 74.75M 65.67M 60.89M 56M 106M 7.15B 108M 726M 284M 3.51B 281M 275M 12.14B
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
177
Sector
Banks
Date Price Change Volume
26-07-13 US$16.30 +1.88% 86,466
26-07-10 US$16.00 +0.57% 115,658
26-07-09 US$15.91 +0.06% 12,451
26-07-08 US$15.90 -0.31% 9,912
26-07-07 US$15.95 -0.38% 304
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