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Pathfinder Bancorp PBHC Price / book

Price / book at other companies

JPMorgan ChaseJPM

2.2×+0.2×

M&T BankMTB

1.1×+0.1×

KeyCorpKEY

1.1×+0.2×

Magyar BancorpMGYR

0.9×+0.1×

Sound Financial BancorpSFBC

0.9×-0.2×

PCB BancorpPCB

0.8×+0.1×

Other financials

Income statement

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

Cash & equivalents$39.2M-23.9%

Total debt$45.0M-28.5%

Total equity$123.6M-1.1%

Total assets$1.4B-4.9%

Cash flow

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

Market cap$99.35M+8.2%

Enterprise value$105.15M-39.8%

P/S2.2×+0.4×

Profitability

Net margin-5.5%-13.6pp

FCF margin44.5%—

Returns & leverage

Return on equity-2%-5.4pp

Debt / equity0.4×-0.1×

Where this comes from

Calculated from Pathfinder Bancorp’s reported figures.

market cap/total stockholders equity=0.6×

Based on the most recent quarter.

The official record: Pathfinder Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's price / book?: Pathfinder Bancorp (PBHC) reported price / book of 0.6× in Q1 2026.
How has Pathfinder Bancorp's price / book changed year-over-year?: Pathfinder Bancorp's price / book decreased by 20.8% year-over-year, from 0.8× to 0.6×.
What is the long-term trend for Pathfinder Bancorp's price / book?: Over 5 years (2020 to 2025), Pathfinder Bancorp's price / book has grown at a 6.3% compound annual growth rate (CAGR), from 0.5× to 0.7×.
What does price / book mean?: Market capitalization at the quarter end divided by shareholders' equity. The premium (or discount) the market assigns to the company's book equity.