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Pathfinder Bancorp, Inc.
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Major managers that reported this stock in their latest 13F.
None of the investors we track reported a position in PBHC.
▲ +4.6% over 5Y.
today you would have $1,207.20▲ +20.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 13 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $14.11 | $17.50 | $14.01 | $19.14 | $17.17 | $11.48 | $13.90 | $15.66 | $15.40 | $13.49 | $12.90 | $9.80 | $8.20 | |
| P/E | 17.0x | — | — | — | — | — | 9.8x |
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Cash flow growing 5.0% a year for 10 years, discounted at 10%, then 2.5% forever.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| SPKLSpark I Acquisition Corp | $11.56 | — | — | — | — | $100.1M |
| RVSBRiverview Bancorp Inc | $5.16 | — | 0.7x | 1.55% | -2.52% | $102.96M |
| AMBRAmber International Holding Ltd | $1.05 | 105.0x | 1.0x | — | — | $98.99M |
| AMANAmanat Acquisition Corp. | $10.74 |
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
Company description provided by Yahoo Finance.
| 17.4x |
| 16.7x |
| 18.6x |
| 17.3x |
| 19.5x |
| 15.6x |
| 14.1x |
| P/S | 2.0x | 0.2x | 0.4x | 1.5x | 1.9x | 2.3x | 1.4x | 2.0x | 2.3x | 2.4x | 2.3x | 2.4x | 2.0x | 1.1x |
| P/B | 0.7x | 0.5x | 0.7x | 0.6x | 0.8x | 0.9x | 0.5x | 0.7x | 1.1x | 1.1x | 1.0x | 0.8x | 0.6x | 0.5x |
| EPS | — | — | — | — | — | $1.17 | $0.80 | $0.94 | $0.83 | $0.78 | $0.66 | $0.63 | $0.58 |
| Dividend yield | 1.57% | 2.83% | 2.23% | 2.57% | 1.78% | 1.57% | 2.09% | 1.73% | 1.52% | 1.35% | 1.48% | 1.09% | 0.74% | 0.89% |
| Payout | 23.14% | — | — | — | — | — | 20.51% | 30.00% | 25.32% | 25.06% | 25.64% | 21.21% | 11.57% | 12.56% |
| Profit margin | 13.37% | -0.52% | 1.74% | 21.07% | 27.33% | 27.86% | 18.23% | 12.90% | 13.62% | 12.83% | 13.37% | 12.59% | 13.44% | 12.64% |
| ROE | 5.65% | -1.58% | 2.78% | 7.78% | 11.65% | 11.25% | 7.13% | 4.73% | 6.28% | 5.65% | 5.65% | 4.08% | 4.07% | 5.63% |
Median, not average: a single year of near-zero profit produces a P/E of 400 and would drag an average on its own. P/E years above 200x are left out, the same cut the fair price uses — so this median matches the “its own history” method below. Price and EPS have no median: they are series that grow.
Dividend growing 4.1% a year against a 7.0% required return, taken from the stock’s beta. The only method anchored on what the company pays rather than what it reports.
Not the average of the seven numbers above. Four of the seven start from the same earnings per share — Graham, Lynch, sector multiples and its own history — so averaging all seven would let one input count four times and drown out the others. Instead each family produces one number, and the fair price is the average of the families that answered. A family with two working formulas contributes their average, not two votes.
3 methods answered, across 3 families.
Every formula reads the same reported statements and they can be wrong together. The margin is room for that.
-2.8% from the average.
These are models, not forecasts, and not investment advice. Change one assumption and the number changes with it — that is a property of valuation, not a defect of this page.
| — |
| — |
| — |
| — |
| $103.91M |
| CHPGChampionsGate Acquisition Corp | $10.47 | 29.1x | — | — | — | $104.57M |
| PLCIPelican Acquisition II Corp | $9.90 | — | — | — | — | $104.81M |