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Pathfinder Bancorp PBHC Price / earnings

Price / earnings at other companies

JPMorgan ChaseJPM

13.5×+2.0×

M&T BankMTB

10.5×-0.6×

KeyCorpKEY

11.1×-690×

Magyar BancorpMGYR

10×0.0×

Sound Financial BancorpSFBC

13.7×-10.0×

PCB BancorpPCB

7.9×-1.4×

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/net income=12.8×

Based on the most recent quarter.

The official record: Pathfinder Bancorp’s 10-Q, filed November 14, 2025, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's price / earnings?: Pathfinder Bancorp (PBHC) reported price / earnings of 12.8× in Q3 2025.
How has Pathfinder Bancorp's price / earnings changed year-over-year?: Pathfinder Bancorp's price / earnings decreased by 73.2% year-over-year, from 47.9× to 12.8×.
What is the long-term trend for Pathfinder Bancorp's price / earnings?: Over 4 years (2020 to 2024), Pathfinder Bancorp's price / earnings has grown at a 44.0% compound annual growth rate (CAGR), from 7.3× to 31.6×.
What does price / earnings mean?: Market capitalization at the quarter end divided by trailing-twelve-month net income. The price the market pays for each dollar of trailing earnings.