profit from every $100 of sales.
$0$100
Pathfinder Bancorp
$17.05+2.08% today
+15.0% in 1 year
1-year low $12.161-year high $18.29
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Pathfinder Bancorp sold, what it kept, and what it did with the cash.
Sales went from $46.7 million in 2022 to $47.0 million in 2025, with -$1.93 million of profit last year.
SalesProfit
Pathfinder Bancorp handed back 24% of the cash it generated last year.
$2M
Free cash flow 2025$10M
Bought back its own shares–
Paid as dividends$2M
Cash vs. debt$31M vs. $106M
Pathfinder Bancorp vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Pathfinder Bancorp | No profit yet | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Pathfinder Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 47 | 43 | 46 | 47 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 13 | 9 | 3 | -2 | |
| 2.13 | 1.51 | 0.60 | -0.54 | |
| – | – | – | – | |
| – | – | – | – | |
| 27.7% | 21.6% | 7.3% | -4.1% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,400 | 1,466 | 1,475 | 1,427 |
| Cash | 35 | 49 | 32 | 31 |
| Total debt | 153 | 212 | 137 | 106 |
| Total liabilities | 1,288 | 1,346 | 1,353 | 1,304 |
| 111 | 119 | 121 | 122 | |
| 5 | 5 | 5 | 5 | |
| – | – | – | – | |
| 11.7% | 7.8% | 2.8% | -1.6% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 22 | 15 | 11 | 12 | |
| 5 | 2 | 8 | 1 | |
| 17 | 13 | 3 | 10 | |
| Dividends paid | 2 | 2 | 2 | 2 |
| – | – | – | – | |
| 1 | 0 | 0 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- –
- –
- –
- 0.7×
- 2.3×
- -1.8%
- 2.9%
Profitability
- -4.1%
- -0.3%
- 2.6%
- -3.2%
- -0.3%
Growth
- +0.2%
- –
- +10.8%
- +8.9%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 10%of 754
Bottom 6%of 605
Bottom 22%of 880
Top 24%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.38 | – | – |
| Jan 29, 2026 | -1.11 | – | – |
| Oct 30, 2025 | 0.10 | – | – |
| Jul 30, 2025 | -0.62 | – | – |
| Apr 30, 2025 | 0.41 | – | – |
| Mar 31, 2025 | 0.83 | – | – |
| Oct 30, 2024 | -0.75 | – | – |
| Jul 29, 2024 | 0.32 | – | – |
2.9%of the share price, paid each year
On $1,000 invested$29a year at today's yield, before tax
+10.8%2020 to 2025
Raised5 yearsin a row, in our data
Paid per share, each year
$0.14 in 2015 → $0.40 in 2025
How safe it looks
-61.8% of its profit
Room to growStretchedMore than it earns: 23.6%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
35No pass
Benjamin Graham
53No pass
Philip Fisher
23No pass
Peter Lynch
24No pass
Joel Greenblatt
0No pass
Charlie Munger
21No pass
Terry Smith
16No pass
Questions about Pathfinder Bancorp
Is Pathfinder Bancorp a good stock to buy?
A business with weak numbers that is not profitable yet. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Pathfinder Bancorp AI analysis
What does Pathfinder Bancorp do?
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. It is in Banks - Regional.
Does Pathfinder Bancorp pay a dividend?
Yes. At today's price the dividend is 2.9% a year. In 2025 it paid out $2.46 million in dividends.
Is Pathfinder Bancorp stock halal?
No. Pathfinder Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Pathfinder Bancorp stock done over the past year?
Up 15.0% over the past twelve months, to $17.05. It traded between $12.16 and $18.29 and is 6.8% below its high.
Who are Pathfinder Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Pathfinder Bancorp's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.