Valuation: Pathfinder Bancorp, Inc.

Market Cap 100M 86.95M 80.74M 74.47M 140M 9.56B 143M 956M 374M 4.75B 376M 368M 15.96B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 175M 152M 141M 130M 245M 16.69B 249M 1.67B 654M 8.29B 657M 642M 27.88B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
1 day-0.69%
1 week+1.13%
Current month+1.70%
1 month+1.70%
3 months+16.19%
6 months+18.06%
Current year+14.46%
1 week 15.9
Extreme 15.9
16.58
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.
4/8/26 Other

Chief Executive Officer

0 0%
2/27/26
Pathfinder Bancorp ESOP
OtherCompany 0 0%
2/27/26 Fiscal year

Executive/Senior Manager

6,083 0.1269%
Change 5-day change 1-year change 3-year change Capi.($)
-0.69%+1.13%+6.18%+4.46% 100M
+1.91%+0.48%+17.33%+122.57% 916B
+1.14%+0.87%+28.89%+93.17% 429B
+2.14%+9.14%+25.86%+104.28% 399B
+2.53%+3.93%+71.38%+145.55% 353B
+1.63%+9.47%+14.29%+108.93% 316B
+1.36%+0.23%+64.37%+125.15% 286B
+1.09%+6.74%+19.91%+93.71% 270B
+1.68%-0.99%+4.35%+84.88% 254B
-3.35%-3.90%+70.17%+210.30% 251B
Average +0.94%+1.77%+32.27%+109.30% 347.32B
Weighted average by Cap. +1.38%+1.53%+31.89%+119.47%

Financials

2024 2025
Net sales 39.58M 34.38M 31.92M 29.44M 55.46M 3.78B 56.46M 378M 148M 1.88B 149M 145M 6.31B 30.49M 26.48M 24.59M 22.68M 42.72M 2.91B 43.49M 291M 114M 1.45B 114M 112M 4.86B
Net income 3.38M 2.94M 2.73M 2.52M 4.74M 323M 4.83M 32.31M 12.65M 160M 12.7M 12.43M 539M -3.42M -2.97M -2.76M -2.54M -4.79M -326M -4.87M -32.63M -12.78M -162M -12.83M -12.55M -545M
Net Debt 98.85M 85.86M 79.73M 73.53M 139M 9.44B 141M 944M 370M 4.69B 371M 363M 15.76B 74.75M 64.93M 60.3M 55.61M 105M 7.14B 107M 714M 279M 3.54B 281M 275M 11.92B
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
26-07-30 US$16.15 +0.94% 2,451
26-07-29 US$16.00 0.00% 5,978
26-07-27 US$16.00 +0.62% 1,061
26-07-24 US$15.90 -0.42% 891
26-07-23 US$15.97 -0.06% 10,780
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