Where do Pathfinder Bancorp's ratios come from?

Every ratio is computed from Pathfinder Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.

Pathfinder Bancorp PBHC Ratios & Valuation

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	Q1 '26	Q4 '25	Q3 '25	Q2 '25	Q1 '25
Profitability
Net margin	-5.5%-1.3pp	-4.1%-19.1pp	15%+10.5pp	4.5%-3.7pp	8.1%+1.5pp
Returns
Return on equity	-2%-0.4pp	-1.6%-7.7pp	6.1%+4.3pp	1.8%-1.6pp	3.4%+0.6pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.4×-0.3×	0.6×0.0×	0.6×-0.3×	0.9×+0.4×	0.5×-0.4×
Valuation
Market capitalization	$99.35M+8.2%	$87.12M-9.9%	$96.69M+7.8%	$89.73M-10.9%	$100.66M-5.7%
Price / sales	2.2×+0.4×	1.9×-0.1×	1.9×+0.2×	1.8×-0.2×	1.9×-0.2×
Price / book	0.8×+0.1×	0.7×-0.1×	0.8×0.0×	0.7×-0.1×	0.8×-0.1×
Dividend yield	1.9%-0.1pp	2.2%+0.2pp	2%-0.1pp	2.1%+0.6pp	1.5%-0.2pp

Chart any of these lines over time, or line them up against competitors.

Compare these in charts →

Ask your AI about Pathfinder Bancorp.

Connect your AI assistant and get a quick read on the numbers, right in your chat.

Connect your AI

Claude

Questions, answered.

Where do Pathfinder Bancorp's ratios come from?: Every ratio is computed from Pathfinder Bancorp's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.