Valuation: Pathfinder Bancorp, Inc.

Market Cap 102M 89.12M 82.39M 76.12M 143M 9.8B 146M 982M 385M 4.8B 383M 375M 16.52B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 177M 154M 143M 132M 248M 16.98B 253M 1.7B 668M 8.31B 664M 649M 28.62B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+0.83%
1 week+3.33%
Current month+3.78%
1 month+8.28%
3 months+21.44%
6 months+15.85%
Current year+16.80%
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.($)
+0.83%+3.33%+8.67%+16.88% 102M
+1.74%+0.49%+18.08%+127.61% 896B
+1.96%+1.21%+28.71%+108.12% 422B
-0.15%+6.07%+9.82%+88.40% 375B
+1.92%+2.52%+61.43%+143.03% 335B
+1.11%+1.43%+66.72%+135.05% 293B
-0.49%+4.20%-2.04%+86.33% 284B
-2.02%-1.65%+2.77%+96.84% 268B
-0.59%+5.19%+8.10%+83.70% 263B
+1.67%+6.82%+79.33%+238.98% 246B
Average +0.56%+2.17%+28.16%+112.49% 338.25B
Weighted average by Cap. +0.80%+2.05%+27.77%+121.77%

Financials

2024 2025
Net sales 39.58M 34.59M 31.97M 29.54M 55.63M 3.8B 56.63M 381M 150M 1.86B 149M 145M 6.41B 30.49M 26.64M 24.63M 22.76M 42.85M 2.93B 43.63M 294M 115M 1.43B 115M 112M 4.94B
Net income 3.38M 2.96M 2.73M 2.52M 4.75M 325M 4.84M 32.59M 12.79M 159M 12.71M 12.43M 548M -3.42M -2.99M -2.76M -2.55M -4.8M -328M -4.89M -32.92M -12.92M -161M -12.83M -12.55M -553M
Net Debt 98.85M 86.39M 79.86M 73.78M 139M 9.5B 141M 952M 374M 4.65B 371M 363M 16.01B 74.75M 65.33M 60.39M 55.79M 105M 7.18B 107M 720M 283M 3.52B 281M 275M 12.11B
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
26-07-14 US$16.48 +1.10% 643
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
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