Pathfinder Bancorp PBHC Ratios & Valuation
| TTM Q1 '26 | TTM Q4 '25 | TTM Q3 '25 | TTM Q2 '25 | TTM Q1 '25 | ||
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Net margin | -5.5%-13.6pp | -4.1%-10.8pp | 15%+10.6pp | 4.5%-15.8pp | 8.1%-12.0pp | |
| Returns | ||||||
| Return on equity | -2%-5.4pp | -1.6%-4.4pp | 6.1%+4.4pp | 1.8%-5.6pp | 3.4%-4.1pp | |
| Return on assets | -0.2%-0.5pp | -0.1%-0.4pp | 0.5%+0.4pp | 0.2%-0.5pp | 0.3%-0.3pp | |
| Efficiency | ||||||
| Asset turnover | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Leverage | ||||||
| Debt-to-equity | 0.4×-0.1× | 0.6×-0.3× | 0.6×-0.4× | 0.9×-0.5× | 0.5×-0.7× | |
| Debt-to-assets | 0×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0×-0.1× | |
| Valuation | ||||||
| Market capitalization | $99.35M+8.2% | $87.12M-18.4% | $96.69M+0.3% | $89.73M+44.5% | $100.66M+33.7% | |
| Enterprise value | $105.15M-39.8% | $131.72M-27.5% | $130.62M-27.3% | $172.61M-17.7% | $112.04M-40.9% | |
| Price / sales | 2.2×+0.4× | 1.9×-0.3× | 1.9×-0.2× | 1.8×+0.3× | 1.9×+0.2× | |
| Price / book | 0.8×+0.1× | 0.7×-0.2× | 0.8×0.0× | 0.7×+0.2× | 0.8×+0.2× | |
| EV / sales | 2.3×-1.1× | 2.8×-0.8× | 2.6×-1.3× | 3.4×-1.4× | 2.2×-2.2× | |
| Earnings yield | -2.5%-5.0pp | -2.2%-5.4pp | 7.8%+5.7pp | 2.5%-11.7pp | 4.2%-7.5pp | |
| Dividend yield | 1.9%-0.1pp | 2.2%+0.5pp | 2%+0.1pp | 2.1%-0.7pp | 1.5%-0.7pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →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.
