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Pathfinder Bancorp, Inc. PBHC

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Price alert · PBHC

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16.57 USD -0.18 (-1.07%)

Nov 11, 2026, 3:50 PM EST

16.63 Day range 16.93
12.06 52-week range 18.30
YTD
+17.43%
1 year
+9.74%

Financial health

Altman Z-Score

1.07 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C2 / 5 overall

  • DCF 2
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 1
  • P/B 4

Valuation

P/E -26.1×
FY 2016: 17.1×FY 2017: 20.8×FY 2018: 16.1×FY 2019: 17.4×FY 2020: 9.6×FY 2021: 8.3×FY 2022: 9.0×FY 2023: 9.3×FY 2024: 41.7×FY 2025: -26.1×
FY 2016 5y median 9.0× FY 2025
P/S 1.1×
FY 2016: 2.0×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 1.4×FY 2020: 1.1×FY 2021: 1.5×FY 2022: 1.5×FY 2023: 0.9×FY 2024: 1.3×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/B 0.7×
FY 2016: 1.0×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.7×FY 2020: 0.5×FY 2021: 0.7×FY 2022: 0.8×FY 2023: 0.5×FY 2024: 0.9×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
P/FCF 8.9×
FY 2016: 11.1×FY 2017: 12.9×FY 2018: 19.9×FY 2019: 13.7×FY 2020: 1.1×FY 2021: 4.1×FY 2022: 5.3×FY 2023: 4.8×FY 2024: 37.1×FY 2025: 8.9×
FY 2016 5y median 5.3× FY 2025
EV/EBITDA -109×
FY 2016: 19.6×FY 2017: 23.9×FY 2018: 30.0×FY 2019: 21.8×FY 2020: 13.6×FY 2021: 8.4×FY 2022: 12.5×FY 2023: 17.4×FY 2024: 32.6×FY 2025: -109×
FY 2016 5y median 12.5× FY 2025
EV/Sales 2.3×
FY 2016: 3.8×FY 2017: 4.0×FY 2018: 4.6×FY 2019: 3.3×FY 2020: 2.7×FY 2021: 2.9×FY 2022: 3.6×FY 2023: 3.2×FY 2024: 2.5×FY 2025: 2.3×
FY 2016 5y median 2.9× FY 2025
FCF Yield 11.3%
FY 2016: 9.0%FY 2017: 7.7%FY 2018: 5.0%FY 2019: 7.3%FY 2020: 87.1%FY 2021: 24.6%FY 2022: 18.9%FY 2023: 20.7%FY 2024: 2.7%FY 2025: 11.3%
FY 2016 5y median 18.9% FY 2025

Profitability

Gross Margin 38.5%
FY 2016: 83.2%FY 2017: 75.3%FY 2018: 72.1%FY 2019: 66.2%FY 2020: 67.7%FY 2021: 83.2%FY 2022: 77.9%FY 2023: 55.9%FY 2024: 42.1%FY 2025: 38.5%
FY 2016 5y median 55.9% FY 2025
Operating Margin -5.2%
FY 2016: 15.6%FY 2017: 13.3%FY 2018: 12.1%FY 2019: 11.9%FY 2020: 17.3%FY 2021: 31.4%FY 2022: 27.8%FY 2023: 16.4%FY 2024: 6.2%FY 2025: -5.2%
FY 2016 5y median 16.4% FY 2025
Net Margin -4.3%
FY 2016: 11.6%FY 2017: 10.7%FY 2018: 10.7%FY 2019: 9.3%FY 2020: 14.4%FY 2021: 24.3%FY 2022: 22.9%FY 2023: 12.9%FY 2024: 4.1%FY 2025: -4.3%
FY 2016 5y median 12.9% FY 2025
ROE -2.8%
FY 2016: 5.6%FY 2017: 5.7%FY 2018: 6.3%FY 2019: 4.7%FY 2020: 7.1%FY 2021: 11.2%FY 2022: 11.7%FY 2023: 7.8%FY 2024: 2.8%FY 2025: -2.8%
FY 2016 5y median 7.8% FY 2025
ROIC -0.3%
FY 2016: 2.4%FY 2017: 2.2%FY 2018: 1.9%FY 2019: 2.0%FY 2020: 3.0%FY 2021: 5.4%FY 2022: 4.8%FY 2023: 2.7%FY 2024: 1.8%FY 2025: -0.3%
FY 2016 5y median 2.7% FY 2025
ROA -0.2%
FY 2016: 0.4%FY 2017: 0.4%FY 2018: 0.4%FY 2019: 0.4%FY 2020: 0.6%FY 2021: 1.0%FY 2022: 0.9%FY 2023: 0.6%FY 2024: 0.2%FY 2025: -0.2%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -5.2%
FY 2016: 10.5%FY 2017: 15.2%FY 2018: 16.0%FY 2019: 21.4%FY 2020: 5.2%FY 2021: 5.8%FY 2022: 10.4%FY 2023: 27.4%FY 2024: 16.2%FY 2025: -5.2%
FY 2016 FY 2025
Operating Income -179.3%
FY 2016: 10.1%FY 2017: -1.5%FY 2018: 4.8%FY 2019: 19.7%FY 2020: 53.0%FY 2021: 91.9%FY 2022: -2.0%FY 2023: -24.9%FY 2024: -56.2%FY 2025: -179.3%
FY 2016 FY 2025
EPS (diluted) -228.6%
FY 2016: 18.2%FY 2017: -7.7%FY 2018: 30.6%FY 2019: -14.9%FY 2020: 48.7%FY 2021: 73.9%FY 2022: 2.9%FY 2023: -29.1%FY 2024: -72.2%FY 2025: -228.6%
FY 2016 FY 2025
Free Cash Flow 248.2%
FY 2016: 36.2%FY 2017: -2.8%FY 2018: -32.4%FY 2019: 37.5%FY 2020: 901.3%FY 2021: -58.2%FY 2022: -12.8%FY 2023: -18.5%FY 2024: -78.6%FY 2025: 248.2%
FY 2016 FY 2025

Financial Health

Current Ratio 26.4×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 26.4×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 26.4×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 26.4×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.9×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 2.1×FY 2019: 1.2×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 1.4×FY 2023: 1.8×FY 2024: 1.1×FY 2025: 0.9×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA -56.5×
FY 2016: 9.4×FY 2017: 12.3×FY 2018: 18.6×FY 2019: 12.9×FY 2020: 8.3×FY 2021: 4.1×FY 2022: 7.2×FY 2023: 12.4×FY 2024: 16.2×FY 2025: -56.5×
FY 2016 5y median 7.2× FY 2025
Interest Coverage -0.1×
FY 2016: 1.2×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.4×FY 2020: 0.8×FY 2021: 2.1×FY 2022: 1.6×FY 2023: 0.4×FY 2024: 0.1×FY 2025: -0.1×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 2.8%
FY 2016: 1.7%FY 2017: 1.4%FY 2018: 1.6%FY 2019: 2.0%FY 2020: 2.7%FY 2021: 2.1%FY 2022: 2.3%FY 2023: 3.4%FY 2024: 2.2%FY 2025: 2.8%
FY 2016 5y median 2.3% FY 2025
Payout Ratio -72.0%
FY 2016: 28.0%FY 2017: 25.3%FY 2018: 25.4%FY 2019: 28.8%FY 2020: 20.3%FY 2021: 12.9%FY 2022: 15.8%FY 2023: 23.5%FY 2024: 70.3%FY 2025: -72.0%
FY 2016 5y median 15.8% FY 2025

Annual · latest fiscal year ends 2025-12-31