Valuation: Pathfinder Bancorp, Inc.

Market Cap 109M 95.59M 90.28M 82.27M 154M 10.44B 155M 1.08B 418M 5.33B 409M 400M 17.14B P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 184M 161M 152M 139M 260M 17.61B 262M 1.82B 706M 8.99B 690M 675M 28.91B EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.7%
Yield 2024
2.29%
Yield 2025 2.83%
1 week-3.72%
Current month+10.44%
1 month+5.15%
3 months+5.79%
6 months+36.08%
Current year+22.96%
1 week 17.29
Extreme 17.29
18.3
1 month 15.43
Extreme 15.43
18.3
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 13/04/2022
Director of Finance/CFO 52 27/06/2024
Chief Tech/Sci/R&D Officer 44 -
Director TitleAgeSince
Director/Board Member 58 31/05/2023
Director/Board Member 65 31/12/2004
Chairman 57 05/06/2024
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.($)
0.00%-3.72%+13.25%+25.72% 109M
+1.33%-1.89%+8.54%+136.71% 912B
-1.89%+0.20%+31.84%+103.11% 410B
+1.20%-1.78%+8.60%+108.69% 396B
+0.83%-0.03%+45.57%+136.58% 343B
-1.50%-0.57%+29.20%+118.19% 327B
-0.99%-0.08%+42.38%+121.48% 299B
+1.25%+0.41%+40.27%+140.31% 280B
+3.95%+2.60%+55.11%+183.51% 266B
+0.96%-3.66%-2.40%+104.11% 251B
Average +0.51%-0.97%+27.24%+117.84% 348.31B
Weighted average by Cap. +0.59%-1.08%+25.09%+128.01%

Financials

2024 2025
Net sales 39.58M 34.73M 32.8M 29.89M 55.95M 3.79B 56.35M 393M 152M 1.94B 149M 145M 6.23B 30.49M 26.75M 25.27M 23.03M 43.1M 2.92B 43.41M 302M 117M 1.49B 114M 112M 4.8B
Net income 3.38M 2.97M 2.8M 2.56M 4.78M 324M 4.82M 33.55M 12.99M 166M 12.7M 12.43M 532M -3.42M -3M -2.83M -2.58M -4.83M -328M -4.87M -33.89M -13.13M -167M -12.83M -12.55M -538M
Net Debt 98.85M 86.74M 81.93M 74.66M 140M 9.47B 141M 980M 380M 4.84B 371M 363M 15.56B 74.75M 65.6M 61.95M 56.46M 106M 7.16B 106M 741M 287M 3.66B 281M 275M 11.76B
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
25/09/26 US$17.35 0.00% 3,750
24/09/26 US$17.35 -5.14% 496
23/09/26 US$18.29 +5.72% 318
21/09/26 US$17.30 -4.00% 1,306
18/09/26 US$18.02 +2.62% 12,048
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