Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 9.22%, EPS was flat, free cash flow grew 155.1% and total debt fell 60.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
17.08
0.38
+2.28%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
0.00 | 29.17 | 9.25 | 8.99 | 8.34 | 9.73 | 18.05 | 16.31 | 18.59 | 16.64 |
Piotroski F-Score |
4 | 5 | 5 | 5 | 6 | 5 | 6 | 6 | 5 | 6 |
P/S ratio |
1.10 | 1.21 | 1.16 | 1.99 | 1.72 | 1.08 | 1.33 | 1.69 | 1.86 | 1.93 |
P/FCF ratio |
8.34 | 8.77 | 6.26 | 5.46 | 4.68 | 1.17 | 13.72 | 19.77 | 12.83 | 10.91 |
P/Operating CF |
32.55 | (40.17) | 10.00 | 11.86 | 20.17 | 35.53 | 39.65 | 21.78 | 25.11 | 23.66 |
P/B ratio |
0.71 | 0.88 | 0.70 | 1.02 | 0.81 | 0.54 | 0.68 | 1.01 | 1.00 | 0.94 |
Price to Tangible BV |
0.78 | 0.97 | 0.73 | 1.06 | 0.85 | 0.57 | 0.72 | 1.09 | 1.09 | 1.02 |
EV/Sales |
0.77 | 1.06 | 1.01 | 2.21 | 2.16 | 1.66 | 2.24 | 2.90 | 2.38 | 1.63 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.24 | 8.34 | 4.76 | 5.81 | 5.57 | 1.74 | 12.87 | 12.49 | 11.68 | 7.22 |
EV/FCF |
5.87 | 7.69 | 5.46 | 6.06 | 5.86 | 1.79 | 23.10 | 33.94 | 16.41 | 9.18 |
Quick Ratio |
0.03 | 0.03 | 0.05 | 0.04 | 0.04 | 0.05 | 0.03 | 0.04 | 0.03 | 0.04 |
Current Ratio |
0.73 | 0.73 | 0.74 | 0.77 | 0.79 | 0.83 | 0.87 | 0.83 | 0.78 | 0.77 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.99% | 1.84% | 3.41% | 3.98% | 5.03% | 6.36% | 6.22% | 8.52% | 4.91% | 2.27% |
Debt/Equity |
0.11 | 0.22 | 0.42 | 0.50 | 0.58 | 0.80 | 0.75 | 1.23 | 0.70 | 0.29 |
Asset Turnover |
0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.04 | 0.04 | 0.04 |
Operating CF/Net income |
(7.95) | 4.37 | 2.20 | 2.24 | 2.17 | 8.61 | 2.27 | 2.23 | 1.96 | 1.96 |
Capex/Depreciation |
(0.61) | (4.53) | (0.64) | (0.25) | (0.16) | (0.29) | (1.40) | (1.76) | (0.63) | (0.54) |
| (1.20%) | 2.12% | 6.06% | 8.75% | 8.92% | 5.74% | 4.61% | 6.37% | 5.79% | 5.59% | |
| (0.10%) | 0.17% | 0.49% | 0.72% | 0.74% | 0.47% | 0.35% | 0.44% | 0.43% | 0.47% | |
ROIC |
(2.64%) | 2.98% | 6.73% | 7.90% | 7.51% | 4.14% | 2.56% | 2.56% | 3.41% | 5.55% |
Return on Tangible Assets |
0.46% | (0.78%) | (2.26%) | (3.64%) | (4.43%) | (3.60%) | (3.66%) | (3.60%) | (2.32%) | (2.35%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
63.55% | 51.29% | 44.37% | 55.48% | 54.78% | 60.80% | 59.34% | 64.81% | 68.25% | 70.95% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
1.24% | 0.28% | 0.63% | 1.10% | 1.19% | 1.16% | 1.35% | 2.00% | 2.13% | 1.97% |
Graham Net Nets |
(4.43) | (3.79) | (4.70) | (3.14) | (3.44) | (4.97) | (3.24) | (3.37) | (3.47) | (3.23) |
Graham Number |
0.00 | 16.40 | 26.02 | 30.01 | 31.33 | 23.73 | 18.76 | 18.27 | 16.79 | 16.00 |
Earnings Yield |
(3.83%) | 3.43% | 10.81% | 11.13% | 12.00% | 10.28% | 5.54% | 6.13% | 5.38% | 6.01% |
Free Cash Flow Yield |
11.99% | 11.40% | 15.98% | 18.32% | 21.38% | 85.63% | 7.29% | 5.06% | 7.79% | 9.17% |
Revenue per Share |
12.86 | 14.43 | 12.08 | 9.60 | 9.97 | 10.63 | 10.46 | 9.27 | 8.21 | 6.89 |
Operating CF per Share |
1.90 | 1.84 | 2.56 | 3.66 | 3.86 | 10.10 | 1.82 | 2.15 | 1.68 | 1.55 |
Capex per Share |
(0.20) | (0.87) | (0.33) | (0.15) | (0.19) | (0.27) | (0.81) | (1.36) | (0.48) | (0.33) |
Free Cash Flow per Share |
1.69 | 0.97 | 2.23 | 3.51 | 3.67 | 9.83 | 1.01 | 0.79 | 1.19 | 1.22 |
Cash per Share |
6.46 | 6.60 | 10.06 | 7.26 | 8.04 | 10.79 | 5.72 | 7.84 | 6.33 | 6.25 |
Shareholders Equity per Share |
19.89 | 19.93 | 19.93 | 18.79 | 21.18 | 21.21 | 20.31 | 15.45 | 15.23 | 14.22 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
19.89 | 19.93 | 19.93 | 18.79 | 21.18 | 21.21 | 20.31 | 15.45 | 15.23 | 14.22 |
Free Cash Flow |
10.42 | 5.88 | 13.47 | 20.83 | 19.17 | 45.30 | 4.52 | 3.30 | 4.87 | 5.01 |
Working Capital |
(339.20) | (347.32) | (328.70) | (284.74) | (231.46) | (172.55) | (120.53) | (132.72) | (166.85) | (153.93) |
Capital Expenditures |
(1.26) | (5.33) | (1.97) | (0.91) | (0.98) | (1.26) | (3.60) | (5.68) | (1.97) | (1.36) |
Net Current Asset Value |
(384.96) | (404.53) | (396.34) | (356.61) | (308.48) | (262.75) | (201.12) | (219.92) | (216.51) | (176.57) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.06 | 0.03 | 0.02 | 0.02 | 0.03 | 0.08 | 0.15 | 0.06 | 0.05 |
Price to Operating Income |
0.00 | 20.67 | 7.15 | 7.25 | 5.60 | 6.34 | 11.38 | 16.10 | 14.37 | 12.39 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.12 | 0.06 | 0.17 | 0.20 | 0.29 | 0.19 | 0.11 | 0.16 | 0.19 | 0.17 |
Cash ROIC |
5.91% | 3.12% | 5.83% | 9.90% | 8.83% | 20.09% | 2.46% | 1.87% | 3.71% | 4.96% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
13,370.40 | 11,765.45 | 14,222.95 | 42,370.50 | 51,141.97 | 33,459.69 | 23,794.42 | 29,342.87 | 41,989.68 | 58,624.81 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,194.19 | 1,162.30 | 1,122.75 | 1,090.39 | 1,025.63 | 938.90 | 804.48 | 725.33 | 667.29 | 550.65 |
Average Assets |
1,450.76 | 1,470.34 | 1,432.86 | 1,342.55 | 1,256.31 | 1,160.63 | 1,013.46 | 907.19 | 815.15 | 686.14 |
Average Common Equity |
121.97 | 120.87 | 115.92 | 111.11 | 104.17 | 94.18 | 77.56 | 63.30 | 60.25 | 58.30 |
Columns are period end dates