Valuation: Pathfinder Bancorp, Inc.

Market Cap 105M 93.29M 86.36M 78.67M 148M 9.96B 151M 1.04B 407M 5.19B 393M 385M 16.57B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 180M 160M 148M 135M 254M 17.06B 259M 1.78B 698M 8.89B 674M 660M 28.38B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
53.42%
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.($)
+1.25%+2.02%+14.17%+130.27% 902B
-1.36%+1.20%+29.08%+97.14% 426B
-0.88%+3.93%+21.88%+128.47% 372B
-0.91%-5.69%-0.10%+85.48% 355B
-1.10%+1.34%+29.46%+113.07% 338B
+0.48%+2.31%+44.37%+119.25% 326B
-0.32%+0.24%+42.79%+119.29% 312B
+0.36%+2.28%+37.13%+140.97% 274B
+1.35%+0.38%+0.71%+99.79% 252B
Average -0.13%+0.80%+24.39%+114.86% 395.2B
Weighted average by Cap. +0.01%+0.86%+22.89%+116.71%

Financials

2024 2025
Net sales 39.58M 35.21M 32.6M 29.69M 55.95M 3.76B 56.99M 392M 154M 1.96B 149M 145M 6.25B 30.49M 27.13M 25.11M 22.88M 43.1M 2.9B 43.91M 302M 118M 1.51B 114M 112M 4.82B
Net income 3.38M 3.01M 2.79M 2.54M 4.78M 321M 4.87M 33.48M 13.14M 167M 12.69M 12.42M 534M -3.42M -3.04M -2.81M -2.56M -4.83M -324M -4.92M -33.82M -13.28M -169M -12.82M -12.55M -540M
Net Debt 98.85M 87.95M 81.42M 74.17M 140M 9.39B 142M 978M 384M 4.89B 371M 363M 15.62B 74.75M 66.51M 61.57M 56.09M 106M 7.1B 108M 740M 290M 3.7B 281M 275M 11.81B
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
-
Sector
Banks