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Pathfinder Bancorp, Inc. PBHC NASDAQ

NASDAQ Capital Marke • Financial Services • Banks - Regional • US • USD

SharesGrow Score
51/100
1/6 Pass
SharesGrow Intrinsic Value
$29.44
+116.9%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

Pathfinder Bancorp, Inc. (PBHC) has a negative trailing P/E of -25.3, meaning the company is currently unprofitable on a trailing twelve-month (TTM) basis. Trailing earnings yield is -3.96%.

Criteria proven by this page:

  • VALUE (100/100, Pass) — composite valuation score exceeds the 60/100 pass threshold.
  • Trailing Earnings Yield -3.96% — negative yield confirms the company is currently unprofitable. Investors are paying for a turnaround rather than current earnings.

Overall SharesGrow Score: 49/100 with 1/7 criteria passed.

SharesGrow 7-Criteria Score
51/100
SG Score
View full scorecard →
VALUE
100/100
Price-to-Earnings & upside
Proven by this page
FUTURE
N/A
No coverage
~
PAST
75/100
→ Income
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
MOAT
21/100
→ Income
~
GROWTH
48/100
→ Income
INCOME
10/100
→ Income

Valuation Snapshot — PBHC

Valuation Multiples
P/E (TTM)-25.3
Forward P/EN/A
PEG RatioN/A
Forward PEGN/A
P/B Ratio0.71
P/S Ratio1.07
EV/EBITDA-93.1
Per Share Data
EPS (TTM)$-0.54
Book Value / Share$19.22
Revenue / Share$12.58
FCF / Share$1.62
Yields & Fair Value
Earnings Yield-3.96%
Dividend Yield2.92%
SharesGrow IV$29.44 (+116.9%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 16.9 0.94 0.96 1.96 1.65%
2017 18.0 -2.84 1.02 1.93 1.41%
2018 16.2 0.52 1.02 1.73 1.57%
2019 14.5 -0.83 0.69 1.35 1.98%
2020 7.5 0.15 0.53 1.08 2.72%
2021 6.2 0.08 0.70 1.51 2.08%
2022 6.7 2.33 0.79 1.55 2.33%
2023 7.0 -0.24 0.55 0.91 3.35%
2024 31.5 -0.44 0.88 1.28 2.23%
2025 -26.0 0.11 0.73 1.12 2.77%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $0.78 $28.28M $3.27M 11.6%
2017 $0.72 $32.57M $3.49M 10.7%
2018 $0.94 $37.77M $4.03M 10.7%
2019 $0.80 $45.86M $4.28M 9.3%
2020 $1.19 $48.25M $6.95M 14.4%
2021 $2.07 $51.03M $12.41M 24.3%
2022 $2.13 $56.36M $12.93M 22.9%
2023 $1.51 $71.82M $9.29M 12.9%
2024 $-0.76 $83.48M $3.38M 4.1%
2025 $-0.54 $79.15M $-3.42M -4.3%
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