Valuation: Pathfinder Bancorp, Inc.

Market Cap 103M 89.61M 82.69M 76.22M 144M 9.88B 147M 988M 389M 4.84B 385M 377M 16.65B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 177M 155M 143M 132M 248M 17.07B 254M 1.71B 672M 8.36B 666M 651M 28.79B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+2.12%
1 week+2.44%
Current month+3.21%
1 month-2.85%
3 months+20.78%
6 months+14.30%
Current year+16.16%
1 week 15.76
Extreme 15.755
16.99
1 month 15.36
Extreme 15.36
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.
6/15/26 Buy

General Counsel

1,000 0.0205%
6/2/26
Pathfinder Bancorp ESOP
OtherCompany 0 0%
6/2/26 Buy

Chief Executive Officer

1,400 0.0287%
Change 5-day change 1-year change 3-year change Capi.($)
+2.12%+2.44%+7.48%+9.34% 103M
-0.60%+1.38%+17.11%+121.13% 907B
-0.36%+2.68%+29.48%+94.32% 430B
+0.44%+3.75%+11.63%+92.48% 378B
-0.11%+1.44%+59.94%+137.31% 344B
-0.34%+1.11%+65.88%+132.10% 300B
+1.22%+1.97%-2.13%+93.24% 286B
-0.64%+0.40%+8.52%+89.17% 265B
-0.39%-0.20%+8.32%+85.40% 264B
-4.30%+0.35%+76.47%+220.09% 241B
Average -0.30%+1.21%+28.27%+107.46% 341.41B
Weighted average by Cap. -0.48%+1.41%+27.89%+116.58%

Financials

2024 2025
Net sales 39.58M 34.59M 31.92M 29.42M 55.45M 3.81B 56.68M 381M 150M 1.87B 149M 145M 6.43B 30.49M 26.64M 24.59M 22.66M 42.71M 2.94B 43.66M 294M 116M 1.44B 114M 112M 4.95B
Net income 3.38M 2.96M 2.73M 2.51M 4.74M 326M 4.84M 32.61M 12.83M 160M 12.7M 12.43M 549M -3.42M -2.99M -2.76M -2.54M -4.79M -329M -4.89M -32.94M -12.95M -161M -12.83M -12.55M -555M
Net Debt 98.85M 86.39M 79.72M 73.48M 138M 9.52B 142M 953M 375M 4.66B 371M 363M 16.05B 74.75M 65.33M 60.28M 55.56M 105M 7.2B 107M 721M 283M 3.53B 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
26-07-17 US$16.39 +1.49% 12,413
26-07-16 US$16.15 -0.55% 11,121
26-07-15 US$16.24 -1.69% 12,428
26-07-14 US$16.52 +1.35% 2,299
26-07-13 US$16.30 +1.88% 86,466
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