Valuation: Pathfinder Bancorp, Inc.

Market Cap 102M 88.92M 82.77M 75.99M 144M 9.77B 146M 976M 383M 4.86B 384M 376M 16.3B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 177M 154M 143M 132M 248M 16.9B 252M 1.69B 663M 8.41B 665M 650M 28.21B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.35%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+0.43%
1 week+2.82%
1 month+2.96%
3 months+17.63%
6 months+19.52%
Current year+15.88%
1 week 15.75
Extreme 15.75
16.35
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.($)
+0.43%+2.82%+11.76%+5.76% 102M
+0.27%-0.40%+18.75%+122.71% 935B
+0.36%-0.16%+31.06%+93.59% 435B
-1.70%+4.45%+24.75%+97.63% 402B
-0.69%+1.49%+70.78%+143.85% 364B
-1.60%+4.90%+14.41%+103.31% 316B
-0.33%-0.54%+65.03%+124.44% 291B
-0.54%+3.38%+21.37%+90.66% 273B
+1.19%+0.16%+7.22%+87.28% 261B
+1.30%-4.87%+69.20%+211.61% 252B
Average -0.18%+1.10%+33.43%+108.08% 352.93B
Weighted average by Cap. -0.26%+0.84%+32.69%+118.10%

Financials

2024 2025
Net sales 39.58M 34.4M 32.02M 29.4M 55.52M 3.78B 56.38M 377M 148M 1.88B 149M 145M 6.31B 30.49M 26.5M 24.67M 22.65M 42.77M 2.91B 43.43M 291M 114M 1.45B 115M 112M 4.86B
Net income 3.38M 2.94M 2.74M 2.51M 4.75M 323M 4.82M 32.27M 12.66M 161M 12.71M 12.43M 539M -3.42M -2.97M -2.76M -2.54M -4.79M -326M -4.87M -32.59M -12.79M -162M -12.83M -12.55M -545M
Net Debt 98.85M 85.93M 79.98M 73.44M 139M 9.44B 141M 943M 370M 4.7B 371M 363M 15.75B 74.75M 64.98M 60.48M 55.53M 105M 7.14B 106M 713M 280M 3.55B 281M 275M 11.91B
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
26-07-31 US$16.35 +0.43% 9,915
26-07-30 US$16.28 +1.75% 3,847
26-07-29 US$16.00 -.--% 5,978
26-07-27 US$16.00 +0.62% 1,061
26-07-24 US$15.90 -0.42% 891
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