Valuation: Pathfinder Bancorp, Inc.

Market Cap 99.92M 87.88M 81.64M 75.08M 141M 9.68B 143M 976M 381M 4.72B 375M 367M 16.37B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 175M 154M 143M 131M 246M 16.92B 251M 1.71B 666M 8.25B 656M 642M 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-0.38%
1 week-2.98%
Current month+0.14%
1 month-0.80%
3 months+18.67%
6 months+11.67%
Current year+12.70%
1 week 15.67
Extreme 15.67
16.84
1 month 15.36
Extreme 15.36
16.99
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.
6/15/26 Buy

General Counsel

1,000 0.0205%
6/2/26 Buy

Chief Executive Officer

1,400 0.0287%
6/2/26
Pathfinder Bancorp ESOP
OtherCompany 0 0%
Change 5-day change 1-year change 3-year change Capi.($)
-0.38%-2.98%+7.01%+0.01% 99.92M
+0.75%+3.39%+18.92%+123.20% 930B
+1.22%+1.35%+28.33%+90.20% 430B
+0.28%+4.51%+16.91%+96.45% 385B
+1.69%+4.06%+61.60%+141.61% 348B
+0.46%+7.20%+4.77%+102.30% 300B
+0.75%-2.04%+64.36%+124.12% 290B
+0.38%+4.51%+12.45%+91.73% 267B
+0.32%-0.98%+3.32%+86.68% 261B
+0.11%+3.44%+78.97%+249.37% 258B
Average +0.54%+1.54%+29.67%+110.57% 346.89B
Weighted average by Cap. +0.70%+1.90%+29.51%+120.45%

Financials

2024 2025
Net sales 39.58M 34.81M 32.34M 29.74M 55.77M 3.83B 56.77M 387M 151M 1.87B 149M 145M 6.49B 30.49M 26.81M 24.91M 22.91M 42.96M 2.95B 43.74M 298M 116M 1.44B 114M 112M 5B
Net income 3.38M 2.98M 2.76M 2.54M 4.77M 328M 4.85M 33.05M 12.89M 160M 12.7M 12.43M 554M -3.42M -3.01M -2.79M -2.57M -4.82M -331M -4.9M -33.39M -13.02M -161M -12.83M -12.55M -560M
Net Debt 98.85M 86.94M 80.77M 74.28M 139M 9.57B 142M 966M 377M 4.67B 371M 363M 16.2B 74.75M 65.75M 61.08M 56.17M 105M 7.24B 107M 730M 285M 3.53B 281M 275M 12.25B
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
26-07-24 US$15.90 -0.42% 720
26-07-23 US$15.97 -0.06% 10,780
26-07-22 US$15.98 -0.09% 25,311
26-07-21 US$16.00 -0.34% 6,198
26-07-20 US$16.05 -2.07% 1,927
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