Valuation: Pathfinder Bancorp, Inc.

Market Cap 105M 94.03M 86.75M 78.5M 147M 10B 149M 1.03B 413M 5.23B 394M 386M 16.57B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 180M 161M 149M 134M 251M 17.12B 255M 1.77B 707M 8.96B 675M 660M 28.37B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
53.42%
Yield 2024
2.29%
Yield 2025 2.83%
1 day-0.42%
1 week-2.86%
Current month-0.95%
1 month-2.81%
3 months+4.50%
6 months+22.94%
Current year+18.50%
1 week 16.72
Extreme 16.72
17
1 month 16.7
Extreme 16.7
17.5
Current year 12.06
Extreme 12.0567
18.3
1 year 12.06
Extreme 12.0567
18.3
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 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
Date Insider Type Main position Quantity % Market Cap. Importance
02/06/26 Buy

Chief Executive Officer

1,400 0.0287%
02/06/26
Pathfinder Bancorp ESOP
OtherCompany 0 0% -
04/05/26 Exercice

Chief Executive Officer

5,632 0.1155%
Change 5-day change 1-year change 3-year change Capi.($)
-0.42%-2.86%+10.44%+26.19% 105M
+1.26%+2.09%+12.46%+153.21% 912B
+1.74%+9.32%+30.83%+111.63% 441B
+1.53%+5.70%+15.53%+142.33% 389B
+0.57%+0.12%-2.74%+103.18% 354B
+1.38%+5.17%+30.66%+129.24% 349B
+0.08%+3.11%+37.98%+124.91% 322B
-0.97%-4.63%+20.53%+119.55% 296B
+0.63%+1.92%+40.90%+165.70% 285B
+1.36%+2.17%-1.38%+118.81% 255B
Average +0.58%+1.55%+19.52%+119.48% 360.3B
Weighted average by Cap. +0.83%+1.98%+19.52%+132.97%

Financials

2024 2025
Net sales 39.58M 35.45M 32.7M 29.59M 55.34M 3.77B 56.23M 390M 156M 1.97B 149M 145M 6.25B 30.49M 27.31M 25.19M 22.8M 42.63M 2.9B 43.32M 301M 120M 1.52B 114M 112M 4.81B
Net income 3.38M 3.03M 2.8M 2.53M 4.73M 322M 4.81M 33.35M 13.31M 169M 12.7M 12.43M 534M -3.42M -3.06M -2.82M -2.56M -4.78M -325M -4.86M -33.69M -13.44M -170M -12.82M -12.55M -539M
Net Debt 98.85M 88.54M 81.69M 73.92M 138M 9.41B 140M 975M 389M 4.93B 371M 363M 15.6B 74.75M 66.96M 61.77M 55.9M 105M 7.12B 106M 737M 294M 3.73B 281M 275M 11.8B
Projected Income Statement - Annual - Pathfinder Bancorp, Inc.
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
28/10/26 $16.72 -0.42% 1,645
27/10/26 $16.79 -0.06% 1,600
26/10/26 $16.80 +0.48% 595
23/10/26 $16.72 -2.86% 1,022
22/10/26 $17.21 +2.70% 1,266
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