Valuation: Pathfinder Bancorp, Inc.

Market Cap 11Cr 9.56Cr 8.79Cr 7.97Cr 15Cr 1.01TCr 15Cr 104.86Cr 42Cr 533.12Cr 40Cr 39Cr 1.68TCr P/E 2024
32.2x
P/E 2025 -25.4x
Enterprise Value 18Cr 16Cr 15Cr 14Cr 25Cr 1.72TCr 26Cr 178.3Cr 72Cr 906.48Cr 68Cr 67Cr 2.86TCr EV / Sales 2024
5.2x
EV / Sales 2025 5.31x
Free-Float
53.42%
Yield 2024
2.29%
Yield 2025 2.83%
1 day+1.67%
1 week+1.67%
1 month+0.71%
3 months+3.98%
6 months+22.30%
Current year+20.48%
1 week 16.72
Extreme 16.72
17
1 month 16.7
Extreme 16.7
17.5
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 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
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.($)
+1.67%+1.67%+13.18%+31.58% 11Cr
-1.90%+1.65%+8.33%+142.37% 90TCr
+1.48%+9.05%+31.15%+109.97% 44TCr
+1.31%+5.47%+17.23%+140.14% 39TCr
-2.21%-1.09%-6.44%+89.86% 35TCr
+1.28%+5.07%+33.25%+131.08% 35TCr
+0.16%+3.19%+39.66%+124.27% 32TCr
-1.21%-5.55%+20.09%+115.60% 29TCr
-1.49%+0.77%+38.19%+156.35% 28TCr
-1.66%+1.23%-4.10%+109.71% 25TCr
Average -0.26%+2.15%+19.05%+115.09% 35.66TCr
Weighted average by Cap. -0.56%+2.50%+18.41%+126.89%

Financials

2024 2025
Net sales 3.96Cr 3.54Cr 3.26Cr 2.95Cr 5.52Cr 375.79Cr 5.63Cr 39Cr 16Cr 197.67Cr 15Cr 15Cr 623.39Cr 3.05Cr 2.73Cr 2.51Cr 2.28Cr 4.25Cr 289.49Cr 4.33Cr 30Cr 12Cr 152.28Cr 11Cr 11Cr 480.23Cr
Net income 33.83L 30.3L 27.87L 25.25L 47.2L 32Cr 48.09L 3.32Cr 1.33Cr 17Cr 1.27Cr 1.24Cr 53Cr -34.17L -30.6L -28.15L -25.51L -47.68L -32Cr -48.57L -3.36Cr -1.35Cr -17Cr -1.28Cr -1.26Cr -54Cr
Net Debt 9.89Cr 8.85Cr 8.14Cr 7.38Cr 14Cr 938.62Cr 14Cr 97Cr 39Cr 493.74Cr 37Cr 36Cr 1.56TCr 7.48Cr 6.69Cr 6.16Cr 5.58Cr 10Cr 709.78Cr 11Cr 73Cr 29Cr 373.37Cr 28Cr 27Cr 1.18TCr
Projected Income Statement - Annual - Pathfinder Bancorp, Inc.
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
30/26/30 $17.00 +1.67% 263
28/26/28 $16.72 -0.42% 1,645
27/26/27 $16.79 -0.06% 1,600
26/26/26 $16.80 +0.48% 595
23/26/23 $16.72 -2.86% 1,022
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