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Pathfinder Bancorp, Inc.

PBHC Financial Banks Regional

Pathfinder Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.1 million, down 9.98% from fiscal 2024.

Revenue
+9.22%
EPS
+7,976.9%
Free cash flow
+155.1%
Total debt
−60.1%

Quarter to June 2026, against a year earlier

16.72 0.03 −0.18%
Market cap
$105.6M
P/E
836×
Fwd P/E
—
Dividend yield
2.39%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.07
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 2 — — — 2 — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 47.53%

Capital & Financial Ratios $m

Size
Market Cap 105.64
Revenue ttm 78.77
Net income ttm 0.14
Free cash flow ttm 11.01
Net debt Q (30.82)
Valuation
P/E 836.00 (above 35: high)
Forward P/E —
Price / sales 1.33
Forward P/S Powerpack
Price / FCF 9.52
Price / book 0.83
Financial health
Current ratio Q 0.69
Debt / equity Q 0.07
Interest coverage Q —
Growth
Revenue growth Q +9.22% (above 0%: growing)
Operating income growth Q +8,460.53% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A —
EPS, past 5 yrs —
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 98.77%
10-year low 10-year high
P/S against its own 10 years 41.16%
10-year low 10-year high
P/B against its own 10 years 54.07%
10-year low 10-year high

Dividends

Yield
2.39%
Annual rate
0.40
Payout ratio
2,000.0%
Growth, 2018–26
+6.73%/yr
  1. 0.24 ’18
  2. 0.24 ’19 +1
  3. 0.24 ’20 +0
  4. 0.27 ’21 +13
  5. 0.34 ’22 +26
  6. 0.36 ’23 +6
  7. 0.39 ’24 +8
  8. 0.40 ’25 +3
  9. 0.40 ’26 +0
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 61 40 40 39
Receivables — — — —
Inventory — — — —
Other — — — —
949 949 919 913
2023 2024 2025 Q'26
Payables 1,120 1,205 1,184 1,174
ST’ Debt — — — —
Other — — — —
1,278 1,296 1,258 1,330

Compound Annual Growth %

10y 5y 3y
Sales 11.95% 10.07% 11.56%
Cash Flow 6.35% (24.17%) (18.70%)
Earnings 0.00% 0.00% 0.00%
Book Value 5.57% 4.62% 3.15%

EPS $

Mar Jun Sep Dec Year
’26 0.38 0.42 — — —
’25 0.47 0.01 0.10 (0.88) (0.31)
’24 0.34 0.32 (0.75) 0.63 0.54
’23 0.43 0.32 0.35 0.41 1.51
’22 0.49 0.54 0.52 0.58 2.13
’21 0.36 0.50 0.56 0.64 2.07
’20 0.29 0.31 0.25 0.33 1.17
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 19 19 — — —
’25 21 18 21 20 79
’24 20 20 23 24 88
’23 17 18 19 20 73
’22 13 13 15 17 57
’21 13 14 13 13 52
’20 13 12 12 12 49
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 2 — — —
’25 6 (4) 7 3 12
’24 1 2 12 (3) 11
’23 6 (4) 5 8 15
’22 4 3 5 10 22
’21 3 5 7 4 20
’20 38 2 5 1 47
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 0 2 — — —
’25 5 (4) 7 2 10
’24 0 1 8 (3) 6
’23 6 (5) 4 8 13
’22 3 2 5 10 21
’21 3 5 11 0 19
’20 38 2 4 2 45
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 28 33 39 47 49 52 57 73 88 79 79 +12.1% — — — —
Gross margin, % 86.55 81.22 76.60 71.02 77.82 85.53 82.99 60.55 57.50 59.17 61.13 (27.4) pt
EBT 4 4 5 5 8 16 16 12 5 (4) (2) n/m
EBT margin, % 15.59 12.97 11.79 11.68 17.03 30.75 27.52 16.18 5.87 (5.17) (2.10) (20.8) pt
Net income 3 3 4 4 7 12 13 9 3 (2) 0 n/m
Per share, $
Per share, $ Revenue 6.89 8.21 9.27 10.46 10.63 9.97 9.60 12.08 14.43 12.86 12.56 +7.2%
Earnings 0.79 0.86 0.94 0.80 1.17 2.07 2.13 1.51 0.54 (0.31) 0.02 n/m
Cash flow 1.55 1.68 2.15 1.82 10.10 3.86 3.66 2.56 1.84 1.90 1.89 +2.3%
Capex (0.33) (0.48) (1.36) (0.81) (0.27) (0.19) (0.15) (0.33) (0.87) (0.20) (0.13) (5.2%)
Free cash flow 1.22 1.19 0.79 1.01 9.83 3.67 3.51 2.23 0.97 1.69 1.76 +3.7%
Book value 14.22 15.23 15.45 20.31 21.21 21.18 18.79 19.93 19.93 19.89 20.05 +3.8%
Shares, m 4 4 4 4 5 5 6 6 6 6 6 +4.6%
Valuation, ×
Valuation, × P/E 16.64 18.59 16.31 18.05 9.73 8.34 8.99 9.25 32.41 0.00 836.00 13.8
P/S 1.93 1.86 1.69 1.33 1.08 1.72 1.99 1.16 1.21 1.10 1.33 1.5
P/B 0.94 1.00 1.01 0.68 0.54 0.81 1.02 0.70 0.88 0.71 0.83 0.8
EV/Sales 1.63 2.38 2.90 2.24 1.66 2.16 2.21 1.01 1.06 0.77 — 1.8
EV/FCF 9.18 16.41 33.94 23.10 1.79 5.86 6.06 5.46 7.69 5.87 — 11.5
Cash, $m
Cash, $m Operating cash flow 6 7 9 8 47 20 22 15 11 12 12 +7.0%
Capex (1) (2) (6) (4) (1) (1) (1) (2) (5) (1) (1) (0.9%)
Free cash flow 5 5 3 5 45 19 21 13 6 10 11 +8.5%
Balance, $m
Balance, $m Working capital (154) (167) (133) (121) (173) (231) (285) (329) (347) (339) (416) +9.2%
Net debt (9) 17 47 42 28 23 13 (11) (13) (26) (31) +12.8%
Shareholders’ equity 58 62 64 91 98 111 112 120 121 122 126 +8.6%
Returns, %
Returns, % ROA 0.47 0.43 0.44 0.35 0.47 0.74 0.72 0.49 0.17 (0.10) 0.01 (0.6) pt
ROIC 5.55 3.41 2.56 2.56 4.14 7.51 7.90 6.73 2.98 (2.64) (1.09) (8.2) pt
ROE 5.59 5.79 6.37 4.61 5.74 8.92 8.75 6.06 2.12 (1.20) 0.13 (6.8) pt
People
People Employees 139 144 163 163 183 173 174 174 186 187 — +3.4%
Revenue/emp, $m 0.20 0.23 0.24 0.29 0.27 0.30 0.33 0.42 0.47 0.42 — +8.5%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Pathfinder Bancorp, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
SFBC Sound Financial Bancorp, Inc. $115.8M 14.4× — +1.50% (above 0%: growing) +22.50% (above 0%: growing) +132.05% (above 0%: growing) 67.71% 0.00% Compare
PROV Provident Financial Holdings, Inc. $112.7M 17.5× 14.9× +1.58% (above 0%: growing) +40.00% (above 0%: growing) +52.70% (above 0%: growing) 69.62% 0.00% Compare
UNB Union Bankshares, Inc. $112.5M 8.6× — +8.47% (above 0%: growing) +15.09% (above 0%: growing) +1,783.20% (above 0%: growing) 63.79% 0.00% Compare
OPHC OptimumBank Holdings, Inc. $109.6M 5.5× 8.9× +38.96% (above 0%: growing) +29.03% (above 0%: growing) +67.40% (above 0%: growing) 70.97% 0.00% Compare
BOTJ Bank of the James Financial Group, Inc. $108.9M 9.5× 9.7× +6.68% (above 0%: growing) +18.33% (above 0%: growing) −90.59% (below 0%: shrinking) 81.91% 0.00% Compare
BYFC Broadway Financial Corporation $106.9M — (loss-making) — (loss-making) +27.12% (above 0%: growing) n/m +24.68% (above 0%: growing) 55.67% 0.00% Compare
PBHC Pathfinder Bancorp, Inc. $105.6M 836× — +9.22% (above 0%: growing) +7,976.92% (above 0%: growing) +155.06% (above 0%: growing) 60.96% 0.00%
PNBK Patriot National Bancorp Inc. $101.6M — (loss-making) 12.1× +44.21% (above 0%: growing) n/m −716.54% (below 0%: shrinking) 61.76% 0.00% Compare
FNWB First Northwest Bancorp $96.0M — (loss-making) 128× −3.97% (below 0%: shrinking) n/m −247.30% (below 0%: shrinking) 59.40% 0.00% Compare
Median of peers $109.2M 9.5× 12.1× +7.58% +22.50% +38.69% 65.75% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 22 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.82m 1.64m 79.14
2024 615.07k 615.07k 95.73
2023 562.05k 546.30k 74.79

Ownership

Directors and executive officers, together 15.70%
Alliance Bernstein, LP 9.96%
Castle Creek Capital Partners VII, LP 9.90%
Pathfinder Bank Employee Stock Ownership Plan Trust 6.51%
Minerva Advisors, LLC 5.38%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Pathfinder Bancorp, Inc. (PBHC) Latest News

30 Jul

Impact 4 ·
Impact 3 ·

29 Apr

Impact 3 · · GlobeNewswire

29 Jan

Impact 4 · · GlobeNewswireMotley FoolMarketBeatMotley FoolGuruFocus.com

22 Dec

Impact 3 · · GlobeNewswireSimply Wall St.StockStorySimply Wall St.Simply Wall St.Insider Monkey

30 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · GlobeNewswire

24 Sep

Impact 3 · · Simply Wall St.

5 Jul

Impact 3 · · Simply Wall St.

3 May

Impact 4 ·

30 Apr

Impact 3 · earnings

28 Mar

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 · · Simply Wall St.

31 Jan

Impact 4 ·

2 Dec

Impact 3 · · Simply Wall St.

1 Nov

Impact 4 · · Simply Wall St.

19 Oct

Impact 3 · · Simply Wall St.

26 Sep

Impact 3 · · GlobeNewswire

20 Sep

Impact 3 · · Simply Wall St.

29 Jul

Impact 4 · · GlobeNewswire

22 Jul

Impact 4 · · GlobeNewswire

14 Jul

Impact 3 · · Simply Wall St.

25 Jun

Impact 3 · · Simply Wall St.

13 Jun

Impact 4 · · GlobeNewswire

8 May

Impact 3 · · GlobeNewswire

16 Apr

Impact 3 · · Newsfile

5 Apr

Impact 3 · · Simply Wall St.

14 Mar

Impact 3 · · Simply Wall St.

4 Mar

Impact 4 · · GlobeNewswire

1 Feb

Impact 3 · · GlobeNewswire
stockrow.com/PBHC · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com