Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 5, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	87	107	85	114	101	53
Market Cap Growth	-17.18%	25.42%	-25.29%	12.65%	89.20%	-16.14%
Last Close Price	14.11	17.05	13.28	17.72	15.62	10.25
PE Ratio	13.13	41.62	12.12	11.72	10.89	9.89
PS Ratio	1.96	2.70	2.07	2.56	2.33	1.60
PB Ratio	0.69	0.88	0.71	1.02	0.91	0.55
P/FCF Ratio	17.69	11.67	6.32	6.90	5.34	1.18
P/OCF Ratio	13.71	9.52	5.52	5.24	5.02	1.15
Debt / Equity Ratio	0.83	1.12	1.76	1.37	0.99	1.27
Debt / FCF Ratio	21.27	14.92	15.71	9.23	5.79	2.75
Return on Equity (ROE)	7.19%	3.99%	8.13%	11.73%	12.01%	7.48%
Return on Assets (ROA)	0.60%	0.33%	0.66%	0.97%	1.00%	0.61%
Earnings Yield	7.62%	3.17%	10.92%	11.35%	12.27%	13.00%
FCF Yield	5.65%	8.57%	15.82%	14.50%	18.73%	84.75%
Dividend Yield	2.83%	2.34%	2.71%	2.03%	1.79%	2.34%
Payout Ratio	37.23%	70.29%	23.53%	15.75%	12.90%	20.34%
Buyback Yield / Dilution	-1.56%	-1.01%	-1.58%	-13.71%	-13.35%	-3.23%
Total Shareholder Return	1.28%	1.33%	1.13%	-11.68%	-11.55%	-0.89%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q