PBHC
Pathfinder Bancorp, Inc.NASDAQFinancial Services$13.21+2.24%ClosedMarket Cap: $81.7M
As of 2026-04-06
Valuation
P/E (TTM)
—
PEG
—
P/B
0.67
P/S
1.01
EV/EBITDA
-90.51
DCF Value
$108.84
FCF Yield
12.7%
Div Yield
3.1%
Margins & Returns
Gross Margin
38.5%
Operating Margin
-5.2%
Net Margin
-4.3%
ROE
-2.8%
ROA
-0.2%
ROIC
-0.3%
Income Statement
| Period | Revenue | Gross Margin | Operating Income | Net Income | EPS | Dividend |
|---|---|---|---|---|---|---|
| Q4 2025 | $19.6M | 3.2% | $-8.5M | $-7.0M | $-1.11 | $0.10 |
| FY 2025 | $79.1M | 38.5% | $-4.1M | $-3.4M | $-0.54 | $0.40 |
| Q3 2025 | $21.2M | 45.2% | $672.0K | $626.0K | $0.10 | $0.10 |
| Q2 2025 | $17.7M | 45.9% | $38.0K | $31.0K | $0.01 | $0.10 |
| Q1 2025 | $20.6M | 58.9% | $3.7M | $3.0M | $0.41 | $0.10 |
| Q4 2024 | $20.8M | 51.2% | $5.8M | $3.9M | $0.69 | $0.10 |
| FY 2024 | $83.5M | 42.1% | $5.2M | $3.4M | $0.42 | $0.39 |
| Q3 2024 | $22.6M | 18.5% | $-5.8M | $-4.6M | $-0.75 | $0.10 |
| Q2 2024 | $20.0M | 50.8% | $2.5M | $2.0M | $0.32 | $0.10 |
| Q1 2024 | $20.0M | 50.5% | $2.7M | $2.1M | $0.34 | $0.09 |
| Q4 2023 | $19.4M | 51.4% | $3.2M | $2.5M | $0.41 | $0.09 |
| FY 2023 | $71.8M | 55.9% | $11.8M | $9.3M | $1.51 | $0.36 |