Valuation: Pathfinder Bancorp, Inc.

Market Cap 105M 94.02M 86.48M 78.36M 146M 9.97B 149M 1.03B 414M 5.24B 394M 386M 16.54B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 180M 161M 148M 134M 251M 17.07B 255M 1.77B 709M 8.98B 675M 660M 28.31B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
53.42%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+1.67%
1 week-1.23%
Current month+0.71%
1 month-1.18%
3 months+6.25%
6 months+25.00%
Current year+20.48%
1 week 16.72
Extreme 16.72
17
1 month 16.7
Extreme 16.7
17.5
Current year 12.06
Extreme 12.0567
18.3
1 year 12.06
Extreme 12.0567
18.3
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. Importance
6/2/26 Buy

Chief Executive Officer

1,400 0.0287%
6/2/26
Pathfinder Bancorp ESOP
OtherCompany 0 0% -
5/4/26 Exercice

Chief Executive Officer

5,632 0.1155%
Change 5-day change 1-year change 3-year change Capi.($)
+1.67%-1.23%+12.29%+28.30% 105M
-1.90%+0.15%+10.32%+148.39% 912B
+1.48%+7.41%+30.28%+105.06% 441B
+1.31%+3.50%+13.21%+137.67% 389B
-2.21%-2.09%-4.89%+98.69% 354B
+1.28%+5.56%+29.87%+125.00% 349B
+0.16%+2.59%+38.40%+122.64% 322B
-1.21%-6.56%+18.97%+112.48% 296B
-1.49%+0.41%+38.81%+161.76% 285B
-1.66%+0.47%-3.02%+115.17% 255B
Average +0.19%+1.55%+18.42%+115.52% 360.3B
Weighted average by Cap. +0.18%+1.98%+18.01%+128.24%

Financials

2024 2025
Net sales 39.58M 35.45M 32.6M 29.54M 55.22M 3.76B 56.25M 389M 156M 1.98B 149M 145M 6.23B 30.49M 27.31M 25.12M 22.76M 42.54M 2.89B 43.34M 300M 120M 1.52B 114M 112M 4.8B
Net income 3.38M 3.03M 2.79M 2.53M 4.72M 321M 4.81M 33.23M 13.34M 169M 12.7M 12.43M 533M -3.42M -3.06M -2.81M -2.55M -4.77M -324M -4.86M -33.57M -13.48M -171M -12.82M -12.55M -538M
Net Debt 98.85M 88.53M 81.44M 73.79M 138M 9.39B 141M 971M 390M 4.94B 371M 363M 15.57B 74.75M 66.95M 61.58M 55.8M 104M 7.1B 106M 734M 295M 3.73B 281M 275M 11.77B
Projected Income Statement - Annual - Pathfinder Bancorp, Inc.
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
26-10-30 US$17.00 +1.67% 262
26-10-28 US$16.72 -0.42% 1,645
26-10-27 US$16.79 -0.06% 1,600
26-10-26 US$16.80 +0.48% 595
26-10-23 US$16.72 -2.86% 1,022
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