Valuation: Pathfinder Bancorp, Inc.

Market Cap 10Cr 8.79Cr 8.11Cr 7.48Cr 14Cr 954.69Cr 14Cr 97Cr 38Cr 467.58Cr 38Cr 37Cr 1.62TCr P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 17Cr 15Cr 14Cr 13Cr 25Cr 1.67TCr 25Cr 168.73Cr 66Cr 816.74Cr 66Cr 64Cr 2.83TCr EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
52.53%
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 65 01/01/2005
Director/Board Member 54 01/01/2014
Director/Board Member 58 01/06/2023
Change 5-day change 1-year change 3-year change Capi.($)
+0.30%+0.60%+17.29%+128.24% 90TCr
+0.71%+1.60%+27.69%+105.62% 42TCr
+0.15%+3.58%+7.25%+85.00% 37TCr
+1.00%+1.38%+61.56%+144.80% 34TCr
+1.00%+2.90%+65.67%+137.45% 29TCr
+0.74%+4.50%-2.63%+86.47% 28TCr
+0.29%+1.93%+5.58%+103.93% 27TCr
+1.60%+5.82%+8.53%+85.77% 26TCr
+1.38%+4.06%+72.40%+228.99% 24TCr
Average +0.80%+2.86%+29.26%+122.92% 37.43TCr
Weighted average by Cap. +0.68%+2.30%+26.86%+121.73%

Financials

2024 2025
Net sales 3.96Cr 3.47Cr 3.21Cr 2.96Cr 5.61Cr 377.45Cr 5.71Cr 38Cr 15Cr 184.86Cr 15Cr 15Cr 641.21Cr 3.05Cr 2.68Cr 2.47Cr 2.28Cr 4.32Cr 290.76Cr 4.4Cr 29Cr 12Cr 142.41Cr 11Cr 11Cr 493.95Cr
Net income 33.83L 29.69L 27.4L 25.29L 47.92L 32Cr 48.78L 3.26Cr 1.28Cr 16Cr 1.27Cr 1.24Cr 55Cr -34.17L -29.99L -27.67L -25.55L -48.4L -33Cr -49.27L -3.3Cr -1.29Cr -16Cr -1.28Cr -1.25Cr -55Cr
Net Debt 9.89Cr 8.68Cr 8.01Cr 7.39Cr 14Cr 942.76Cr 14Cr 95Cr 37Cr 461.74Cr 37Cr 36Cr 1.6TCr 7.48Cr 6.56Cr 6.05Cr 5.59Cr 11Cr 712.92Cr 11Cr 72Cr 28Cr 349.17Cr 28Cr 27Cr 1.21TCr
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