Valuation: Pathfinder Bancorp, Inc.

Market Cap 10Cr 8.82Cr 8.29Cr 7.54Cr 14Cr 976.82Cr 14Cr 97Cr 38Cr 489.16Cr 38Cr 38Cr 1.63TCr P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 18Cr 15Cr 14Cr 13Cr 25Cr 1.69TCr 25Cr 168.23Cr 66Cr 847.11Cr 66Cr 65Cr 2.82TCr EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.7%
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.($)
-0.07%+1.49%+23.35%+134.44% 97TCr
+0.62%+2.09%+35.17%+108.50% 45TCr
+0.13%-0.09%+60.16%+145.82% 35TCr
+0.42%+2.07%+59.43%+137.01% 30TCr
+0.81%+1.80%+11.85%+103.06% 27TCr
-0.62%+3.42%+64.59%+232.07% 26TCr
+0.08%+0.31%+56.95%+258.63% 21TCr
-1.08%-6.09%-0.02%+61.21% 20TCr
+0.60%+1.96%+67.60%+101.06% 20TCr
Average +0.03%+0.40%+42.12%+142.42% 35.64TCr
Weighted average by Cap. +0.03%+0.84%+38.39%+139.18%

Financials

2024 2025
Net sales 3.96Cr 3.42Cr 3.21Cr 2.92Cr 5.49Cr 378.44Cr 5.58Cr 38Cr 15Cr 189.51Cr 15Cr 15Cr 629.78Cr 3.05Cr 2.63Cr 2.47Cr 2.25Cr 4.23Cr 291.53Cr 4.3Cr 29Cr 11Cr 145.99Cr 11Cr 11Cr 485.15Cr
Net income 33.83L 29.22L 27.46L 24.97L 46.95L 32Cr 47.72L 3.22Cr 1.26Cr 16Cr 1.27Cr 1.24Cr 54Cr -34.17L -29.51L -27.73L -25.22L -47.42L -33Cr -48.2L -3.25Cr -1.27Cr -16Cr -1.28Cr -1.26Cr -54Cr
Net Debt 9.89Cr 8.54Cr 8.02Cr 7.3Cr 14Cr 945.26Cr 14Cr 94Cr 37Cr 473.35Cr 37Cr 36Cr 1.57TCr 7.48Cr 6.46Cr 6.07Cr 5.52Cr 10Cr 714.81Cr 11Cr 71Cr 28Cr 357.95Cr 28Cr 27Cr 1.19TCr
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