Pathfinder Bancorp Inc.

PBHC | NASDAQ

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$17.30

-$0.72 (-4.00%)

At close: Sep 21, 2026, 4:00 PM ET

$18.11

+$0.81 (+4.68%)

After-hours: Sep 21, 2026, 4:24 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Market Data

Market Cap $112.74M

Enterprise Value $-88.32M

Beta 0.13

Average Volume 12.63K

Shares Outstanding (Diluted) 4.92M

Shares Change YoY 3.4%

Institutional Ownership 18.40%

Exchange NASDAQ

ISIN US70319R1095

Price Performance

Price Change 1M 1.1%

Price Change 3M 7.5%

Price Change 6M 31.9%

Price Change YTD 22.5%

Price Change 1Y 12.3%

Price Change 3Y 25.9%

Price Change 5Y 7.1%

1M CAGR (ann.) 9.0%

1Y CAGR (ann.) 20.7%

5Y CAGR (ann.) 4.8%

All-Time CAGR 6.0%

Valuation

PE Ratio -82.38

Forward PE N/A

PEG Ratio 0.14

Forward PEG 0.14

PS Ratio 1.37

Forward PS N/A

PB Ratio 0.86

P/FCF Ratio 8.72

P/Adj. FCF Ratio 9.54

P/OCF Ratio 7.12

EV/Sales -1.12

EV/EBIT -15.02

EV/EBITDA -11.55

EV/FCF -7.12

Earnings Yield -1.2%

FCF Yield 11.5%

Adj. FCF Yield 10.5%

Financial Health

Net Cash $214.02M

Total Debt $180.99M

Cash & Short-Term Investments $377.55M

Total Assets $1.49B

Current Ratio 0.14

Quick Ratio 0.14

Debt / Equity Ratio 1.44

Debt / EBITDA 23.66

Debt / FCF 14.58

OCF / Debt 0.07

Interest Coverage -0.05

Altman Z-Score 0.10

Piotroski F-Score 4

Margins & Profitability

Gross Profit Margin 43.0%

Operating Profit Margin -2.1%

EBITDA Margin 9.7%

Net Profit Margin -1.7%

FCF Margin 15.7%

Adj. FCF Margin 14.4%

SBC / Revenue 1.4%

SBC Impact (per share) -8.6%

Returns

Return on Assets -0.1%

Return on Equity -1.1%

Return on Invested Capital -0.1%

Return on Capital Employed -0.1%

Return on Tangible Assets -0.1%

Historical Growth (CAGR)

Revenue CAGR 3Y 6.7%

Revenue CAGR 5Y 9.8%

Revenue CAGR 10Y 11.3%

EPS CAGR 3Y -155.7%

EPS CAGR 5Y -56.4%

EPS CAGR 10Y -3.4%

FCF CAGR 3Y 1.6%

FCF CAGR 5Y -1.1%

FCF CAGR 10Y 13.7%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 0

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date Jul 29, 2026

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Cash Flow

Operating Cash Flow $11.82M

Free Cash Flow $12.41M

Adj. Free Cash Flow $11.35M

FCF Per Share $2.55

OCF Per Share $2.43

OCF/S Ratio 15.0%

Income Statement

Revenue $78.97M

Gross Profit $33.99M

Operating Income $-1.65M

EBITDA $7.65M

Net Income $-1.34M

EPS (Diluted) -$0.21

Revenue / Employee $459.13K

Profit / Employee $-7.8K

Employees 172