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

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Profitability
Net margin	-4.1%-10.8pp	6.7%-14.4pp	21.1%-6.3pp	27.3%-0.5pp
Returns
Return on equity	-1.6%-4.4pp	2.8%-5.3pp	8.1%-3.6pp	11.7%-0.3pp
Return on assets	-0.1%-0.4pp	0.2%-0.4pp	0.6%-0.3pp	1%0.0pp
Efficiency
Asset turnover	0×0.0×	0×0.0×	0×0.0×	0×0.0×
Leverage
Debt-to-equity	0.6×-0.3×	0.9×-0.6×	1.5×+0.4×	1.1×+0.4×
Debt-to-assets	0.1×0.0×	0.1×-0.1×	0.1×0.0×	0.1×0.0×
Valuation
Market capitalization	$99.35M+8.2%	$106.75M+25.5%	$85.08M-25.5%	$114.17M+46.6%
Enterprise value	$105.15M-39.8%	$181.58M-16.7%	$218.04M+8.1%	$201.72M+67.9%
Price / sales	2.2×+0.4×	2.1×+0.2×	1.9×-0.5×	2.4×+0.7×
Price / book	0.8×+0.1×	0.9×+0.2×	0.7×-0.3×	1×+0.3×
EV / sales	2.3×-1.1×	3.6×-1.4×	4.9×+0.7×	4.3×+1.6×
Earnings yield	-2.5%-5.0pp	3.2%-7.8pp	10.9%-0.4pp	11.3%-4.6pp
Dividend yield	1.9%-0.1pp	1.7%-0.3pp	2%+0.6pp	1.4%-0.2pp

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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.