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Pathfinder Bancorp, Inc. (PBHC)

Historical prices through 2026-10-08Latest fiscal period 2025-12-31

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Price date	EPS fiscal end	Basic P/E (×)	Diluted P/E (×)	P/S (×)	P/FCF (×)

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Formula: min(60, 15 × ((1 + CAGR / 100) / 1.10)^{years × 0.6})

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Pathfinder Bancorp, Inc. (PBHC) · Nasdaq · USD · Sector unavailable · CIK 0001609065

Annual coverage: 2013-12-31–2025-12-31 (13 periods). Financial snapshot built 2026-10-09.

PBHC annual financial history

All stored annual observations, independent of the chart window. Per-share amounts in USD. Unavailable values are not zero.

See the calculation and limitations.

Annual EPS, cash flow, dividends, and fiscal-year dividend yield for Pathfinder Bancorp, Inc.
Fiscal year / end	Basic EPS	Diluted EPS	FCF / share	Dividends / share	Fiscal-year dividend yield	Filing sources
2025 2025-12-31	Unavailable	Unavailable	Unavailable	0.40	2.92%	Operating cash flow (2026-03-30) · Capex (2026-03-30) Dividend (2026-03-30)
2024 2024-12-31	Unavailable	Unavailable	Unavailable	0.40	2.28%	Operating cash flow (2026-03-30) · Capex (2026-03-30) Dividend (2026-03-30)
2023 2023-12-31	Unavailable	Unavailable	Unavailable	0.36	2.57%	Operating cash flow (2025-03-31) · Capex (2025-03-31) Dividend (2025-03-31)
2022 2022-12-31	Unavailable	Unavailable	Unavailable	0.36	1.88%	Operating cash flow (2024-03-22) · Capex (2024-03-22) Dividend (2024-03-22)
2021 2021-12-31	Unavailable	Unavailable	Unavailable	0.28	1.66%	Operating cash flow (2023-03-31) · Capex (2023-03-31) Dividend (2023-03-31)
2020 2020-12-31	1.17	1.17	9.83	0.24	2.17%	Basic EPS (2021-03-30) Diluted EPS (2021-03-30) Operating cash flow (2022-03-25) · Capex (2022-03-25) Dividend (2022-03-25)
2019 2019-12-31	0.80	0.80	1.01	0.24	1.82%	Basic EPS (2021-03-30) Diluted EPS (2021-03-30) Operating cash flow (2021-03-30) · Capex (2021-03-30) Dividend (2021-03-30)
2018 2018-12-31	0.97	0.94	0.77	0.24	1.79%	Basic EPS (2020-03-23) Diluted EPS (2020-03-23) Operating cash flow (2020-03-23) · Capex (2020-03-23) Dividend (2020-03-23)
2017 2017-12-31	0.86	0.83	1.16	0.22	1.53%	Basic EPS (2019-03-27) Diluted EPS (2019-03-27) Operating cash flow (2019-03-27) · Capex (2019-03-27) Dividend (2019-03-27)
2016 2016-12-31	0.79	0.78	1.20	0.20	1.65%	Basic EPS (2018-03-30) Diluted EPS (2018-03-30) Operating cash flow (2018-03-30) · Capex (2018-03-30) Dividend (2018-03-30)
2015 2015-12-31	0.67	0.66	0.88	0.16	1.40%	Basic EPS (2017-03-31) Diluted EPS (2017-03-31) Operating cash flow (2017-03-31) · Capex (2017-03-31) Dividend (2017-03-31)
2014 2014-12-31	0.64	0.63	0.63	0.12	1.40%	Basic EPS (2016-03-29) Diluted EPS (2016-03-29) Operating cash flow (2016-03-29) · Capex (2016-03-29) Dividend (2016-03-29)
2013 2013-12-31	0.58	0.58	0.68	0.12	1.68%	Basic EPS (2015-03-18) Diluted EPS (2015-03-18) Operating cash flow (2015-03-18) · Capex (2015-03-18) Dividend (2015-03-18)

Annual per-share context (USD/share)

Complete annual history, independent of chart loading and range. Revenue/share is annual revenue per average diluted share. Debt/share is borrowings per year-end common share, excluding leases. Missing inputs remain unavailable. Metric definitions.

Fiscal end	Revenue / share	Total debt / share	Inputs & filing sources
2025-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2024-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2023-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2022-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2021-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2020-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2019-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2018-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2017-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2016-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2015-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2014-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable
2013-12-31	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; averageDilutedShares: Banking or insurance accounting is outside this metric policy; totalDebt: Banking or insurance accounting is outside this metric policy; periodEndShares: Banking or insurance accounting is outside this metric policy Source unavailable

Annual returns and cash generation (%)

Complete annual history, independent of chart loading and range. FCF margin and FCF / net income use matching annual totals. ROCE uses positive exact opening and closing capital-employed bases. Inputs, scopes and unavailable reasons are disclosed below. Missing inputs remain unavailable. Metric definitions.

Fiscal end	FCF margin (%)	FCF / net income (%)	ROCE (%)	Inputs & filing sources
2025-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2024-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2023-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2022-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2021-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2020-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2019-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2018-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2017-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2016-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2015-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2014-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable
2013-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings Calculation inputs: {"original":{},"recovered":{}}; fcfMargin: Banking or insurance accounting is outside this metric policy; cashConversion: Banking or insurance accounting is outside this metric policy; roce: Banking or insurance accounting is outside this metric policy Source unavailable

Annual operating facts

Complete annual history, independent of chart loading and range. Operating margin is operating profit as a percentage of revenue; net margin is consolidated net profit as a percentage of revenue. Negative margins show losses. Missing inputs remain unavailable. Metric definitions.

Fiscal end	Revenue (USD)	Operating margin (%)	Net margin (%)	Inputs & filing sources
2025-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2024-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2023-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2022-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2021-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2020-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2019-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2018-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2017-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2016-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2015-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2014-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable
2013-12-31	Unavailable	Unavailable	Unavailable	Inputs & filings revenue: Banking or insurance accounting is outside this metric policy; operatingIncome: Banking or insurance accounting is outside this metric policy; netIncome: Banking or insurance accounting is outside this metric policy Source unavailable

Pathfinder Bancorp, Inc. (PBHC) P/E ratio history

The interactive P/E chart contains all 1018 stored weekly price points (2005-02-25–2026-10-08); 406 have an eligible basic or diluted ratio. Annual EPS is carried forward from its fiscal end. Use the P/E range bar or any other chart range bar to change all five chart windows.

Fiscal-year-end snapshots

8 eligible fiscal-year-end observations span 2013-12-31–2020-12-31. Latest eligible diluted P/E: 9.47×; basic P/E: 9.47×, for fiscal end 2020-12-31, using the close on 2020-12-31.

Annual P/E = eligible fiscal-year-end close ÷ reported annual EPS. This is retrospective annual P/E, not TTM or forward P/E. Why we use annual data. Missing or non-positive EPS and missing eligible prices produce unavailable ratios.

Explore the P/E chart and optional reference lines · How P/E history is calculated.

Complete annual P/E history (13 fiscal periods)

Full stored fiscal-year-end P/E history, independent of the selected chart window. Ratios in ×; prices in USD.
Fiscal end	Price date	Close	Price basis	Basic P/E	Diluted P/E	EPS filings
2025-12-31	2025-12-26	13.69	Adjusted close	Unavailable	Unavailable	Source unavailable
2024-12-31	2024-12-27	17.55	Adjusted close	Unavailable	Unavailable	Source unavailable
2023-12-31	2023-12-29	14.01	Adjusted close	Unavailable	Unavailable	Source unavailable
2022-12-31	2022-12-30	19.14	Adjusted close	Unavailable	Unavailable	Source unavailable
2021-12-31	2021-12-31	16.87	Adjusted close	Unavailable	Unavailable	Source unavailable
2020-12-31	2020-12-31	11.07	Adjusted close	9.47	9.47	Basic EPS (2021-03-30) Diluted EPS (2021-03-30)
2019-12-31	2019-12-27	13.16	Adjusted close	16.45	16.45	Basic EPS (2021-03-30) Diluted EPS (2021-03-30)
2018-12-31	2018-12-28	13.40	Adjusted close	13.81	14.25	Basic EPS (2020-03-23) Diluted EPS (2020-03-23)
2017-12-31	2017-12-29	14.06	Adjusted close	16.34	16.94	Basic EPS (2019-03-27) Diluted EPS (2019-03-27)
2016-12-31	2016-12-30	12.14	Adjusted close	15.36	15.56	Basic EPS (2018-03-30) Diluted EPS (2018-03-30)
2015-12-31	2015-12-31	11.42	Adjusted close	17.04	17.30	Basic EPS (2017-03-31) Diluted EPS (2017-03-31)
2014-12-31	2014-12-23	8.57	Adjusted close	13.39	13.60	Basic EPS (2016-03-29) Diluted EPS (2016-03-29)
2013-12-31	2013-12-18	7.15	Adjusted close	12.33	12.33	Basic EPS (2015-03-18) Diluted EPS (2015-03-18)

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