Pathfinder Bancorp, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Pathfinder Bancorp, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Steadiness Ratio: Sales grew in 2 of the last 3 years; profit grew in 0 of 3. Less steady than 88% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 0/3Sales grew in 2 of the last 3 years; profit grew in 0 of 3.
Less steady than 88% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +1% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+1% / +2%In 3 years sales changed by +1% while total assets changed by +2%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every $100 the company owns, $99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 76% of Financial Services companies in United States.
Tangible Net Worth Ratio
91%Of every $100 of net worth, $91 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 68% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Pathfinder Bancorp, Inc. owes $0.92 for every $1 it owns. Pathfinder Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
1721.2Investors pay $1721.2 for every $1 of Pathfinder Bancorp, Inc.'s yearly profit, higher than almost all Financial Services companies in United States.
P/B ratio
0.86The share price is 0.86 times Pathfinder Bancorp, Inc.'s book value per share, lower than 82% of Financial Services companies in United States.
Market cap
$108 MThe total market value of all of Pathfinder Bancorp, Inc.'s shares at today's price (share price × number of shares), smaller than 90% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$126 MWhat Pathfinder Bancorp, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$20.03Net worth divided by the number of shares. The share price of $17.21 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
0.1%Pathfinder Bancorp, Inc. earned 0.1% on its shareholders' money over the last year, lower than 86% of Financial Services companies in United States.
Owes vs Owns
0.92×Pathfinder Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 89% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.32%Pathfinder Bancorp, Inc. pays 2.32% of its share price as dividends a year, lower than 62% of dividend-paying Financial Services companies in United States.
Revenue growth
+2%Revenue rose 2% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Profit growth
LossPathfinder Bancorp, Inc. made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-4.1%Pathfinder Bancorp, Inc. lost $4 for every $100 of revenue.
Questions
What is Pathfinder Bancorp, Inc.'s P/E ratio?
Investors pay $1721.2 for every $1 of Pathfinder Bancorp, Inc.'s yearly profit, higher than almost all Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Pathfinder Bancorp, Inc.: $108 M ÷ $126 M (30 Jun 2026) = 0.9.
What is Pathfinder Bancorp, Inc.'s return on equity?
Pathfinder Bancorp, Inc. earned 0.1% on its shareholders' money over the last year, lower than 86% of Financial Services companies in United States.
How much does Pathfinder Bancorp, Inc. owe compared with what it owns?
Pathfinder Bancorp, Inc. owes $0.92 for every $1 it owns (high), higher than 89% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Pathfinder Bancorp, Inc. pay a dividend?
Yes. Pathfinder Bancorp, Inc. pays 2.32% of its share price as dividends a year, lower than 62% of dividend-paying Financial Services companies in United States.
Is Pathfinder Bancorp, Inc.'s revenue growing?
Revenue rose 2% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.