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Valuation: Pathfinder Bancorp, Inc.

Market Cap 92.91M 80.63M 74.32M 69.64M 130M 8.9B 133M 887M 343M 4.29B 349M 341M 14.91B P/E Ratio 2024
32.2x
P/E Ratio 2025 -25.4x
Enterprise Value 168M 145M 134M 126M 235M 16.05B 240M 1.6B 619M 7.74B 629M 616M 26.91B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
Yield 2024
2.29%
Yield 2025 2.83%
Manager TitleAgeSince
Chief Executive Officer 58 14/04/2022
Director of Finance/CFO 52 28/06/2024
Chief Tech/Sci/R&D Officer 44 -
Director TitleAgeSince
Director/Board Member 58 01/06/2023
Director/Board Member 65 01/01/2005
Chairman 57 06/06/2024
Change 5-day change 1-year change 3-year change Capi.($)
+1.76%+2.52%+19.39%+127.12% 840B
+0.85%+3.75%+25.17%+91.73% 391B
+3.44%+7.44%+17.02%+66.36% 382B
+3.34%+5.03%+17.39%+74.71% 300B
+3.86%+0.88%+56.80%+126.80% 302B
+2.98%+5.33%+17.66%+73.35% 276B
+0.89%+3.62%+59.98%+126.18% 276B
+1.14%+2.17%+13.12%+100.14% 252B
+0.67%-0.22%+61.66%+226.69% 221B
Average +2.13%+1.43%+32.02%+112.56% 360B
Weighted average by Cap. +2.13%+1.76%+28.81%+110.83%

Financials

2024 2025
Net sales 39.58M 34.34M 31.66M 29.66M 55.42M 3.79B 56.58M 378M 146M 1.83B 149M 145M 6.35B 30.49M 26.46M 24.39M 22.85M 42.7M 2.92B 43.59M 291M 113M 1.41B 114M 112M 4.89B
Net income 3.38M 2.94M 2.71M 2.54M 4.74M 324M 4.84M 32.28M 12.5M 156M 12.7M 12.43M 543M -3.42M -2.97M -2.73M -2.56M -4.79M -327M -4.88M -32.61M -12.62M -158M -12.83M -12.55M -548M
Net Debt 98.85M 85.78M 79.07M 74.09M 138M 9.47B 141M 943M 365M 4.56B 371M 363M 15.86B 74.75M 64.87M 59.8M 56.03M 105M 7.16B 107M 713M 276M 3.45B 281M 275M 12B
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
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