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Saturday 17 October 2026 Export PBHC’s income statement to Excel — free account

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%
Market cap
$106.5M
P/E
0.0×
Fwd P/E
—
Dividend yield
2.93%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Pathfinder Bancorp, Inc. (PBHC) P/E ratio

Alert me on P/E ratio

Pathfinder Bancorp, Inc. has no meaningful P/E ratio: its trailing twelve-month earnings is negative. Over the past ten years it has ranged from 0.0× (October 2026) to 59.1× (October 2024) — the current reading is the lowest in ten years.

P/E ratio, daily

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Annual newest first

Period P/E ratio Change
FY2025 0.0× —
FY2024 29.2× 215.26%
FY2023 9.3× 2.96%
FY2022 9.0× 7.81%
FY2021 8.3× (14.33%)
FY2020 9.7× (46.11%)
FY2019 18.1× 10.66%
FY2018 16.3× (12.24%)
FY2017 18.6× 11.73%
FY2016 16.6× (13.59%)

Quarterly newest first

Period P/E ratio Change
Jun 2026 0.0× —
Mar 2026 0.0× —
Dec 2025 0.0× —
Sep 2025 12.3× (66.20%)
42 more quarters

Against its own ten years

Low 0.0× High 59.1×
Ten-year median 15.3×
Current reading's percentile 7

P/E ratio against peers

Company P/E ratio
BYFC Broadway Financial Corporation compare n/m
PNBK Patriot National Bancorp Inc. compare n/m
PBHC Pathfinder Bancorp, Inc. n/m
OPHC OptimumBank Holdings, Inc. compare 5.6×
UNB Union Bankshares, Inc. compare 8.8×
SFBC Sound Financial Bancorp, Inc. compare 13.9×
PROV Provident Financial Holdings, Inc. compare 17.4×
WSBK Winchester Bancorp, Inc. compare 26.4×
BSBK Bogota Financial Corporation compare 43.4×
Banks Regional industry median 12.0×
Financial sector median 12.4×
Market median 18.1×

What P/E ratio is

Price to Earnings Ratio shows how much investors pay for each dollar of a company’s annual profit per share.

Stock Price ÷ EPS (Basic) (TTM)

The full definition of P/E ratio →

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