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Pathfinder Bancorp Valuation Multiples
Discover revenue and EBITDA valuation multiples for Pathfinder Bancorp and similar public comparables like AGRAM BANKA, Bien Sparebank, Fifth District Bancorp, First Northwest Bancorp and more.
Pathfinder Bancorp Overview
About Pathfinder Bancorp
Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source of income is interest on loans and investment securities.
Founded
2014
HQ
Employees
182
Website
Sectors
Financials (FY)
EV
$189M
Pathfinder Bancorp Financials
Pathfinder Bancorp reported last fiscal year revenue of $46M.
In the same fiscal year, Pathfinder Bancorp generated $3M in net income.
Pathfinder Bancorp P&L
In the most recent fiscal year, Pathfinder Bancorp reported revenue of $46M and net income of $3M.
Pathfinder Bancorp expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | — | XXX | $46M | XXX | XXX | XXX |
| Net Profit | — | XXX | $3M | XXX | XXX | XXX |
| Net Margin | — | XXX | 7% | XXX | XXX | XXX |
| Net Debt | — | — | $87M | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Pathfinder Bancorp Stock Performance
Pathfinder Bancorp has current market cap of $84M, and enterprise value of $189M.
Market Cap Evolution
Pathfinder Bancorp's stock price is $13.51.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $189M | $84M | 0.0% | XXX | XXX | XXX | $0.55 |
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Start Free TrialPathfinder Bancorp Valuation Multiples
Pathfinder Bancorp trades at 4.1x EV/Revenue multiple.
Pathfinder Bancorp Financial Valuation Multiples
As of March 31, 2026, Pathfinder Bancorp has market cap of $84M and EV of $189M.
Equity research analysts estimate Pathfinder Bancorp's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pathfinder Bancorp has a P/E ratio of 24.7x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $84M | XXX | $84M | XXX | XXX | XXX |
| EV (current) | $189M | XXX | $189M | XXX | XXX | XXX |
| EV/Revenue | — | XXX | 4.1x | XXX | XXX | XXX |
| P/E | — | XXX | 24.7x | XXX | XXX | XXX |
| EV/FCF | — | XXX | 65.9x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Pathfinder Bancorp Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Pathfinder Bancorp Margins & Growth Rates
Pathfinder Bancorp's revenue in the last fiscal year grew by 7%.
Pathfinder Bancorp's revenue per employee in the last FY averaged $0.3M.
Pathfinder Bancorp Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | — | XXX | 7% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $0.3M | XXX | XXX | XXX |
| S&M Expenses to Revenue | — | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 41% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Pathfinder Bancorp Public Comps
See public comps and valuation multiples for other Commercial Banking comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| AGRAM BANKA | XXX | XXX | XXX | XXX | XXX | XXX |
| Bien Sparebank | XXX | XXX | XXX | XXX | XXX | XXX |
| Fifth District Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| First Northwest Bancorp | XXX | XXX | XXX | XXX | XXX | XXX |
| First US Bancshares | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Pathfinder Bancorp M&A Activity
Pathfinder Bancorp acquired XXX companies to date.
Last acquisition by Pathfinder Bancorp was on XXXXXXXX, XXXXX. Pathfinder Bancorp acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Pathfinder Bancorp
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialPathfinder Bancorp Investment Activity
Pathfinder Bancorp invested in XXX companies to date.
Pathfinder Bancorp made its latest investment on XXXXXXXX, XXXXX. Pathfinder Bancorp invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Pathfinder Bancorp
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Pathfinder Bancorp
| When was Pathfinder Bancorp founded? | Pathfinder Bancorp was founded in 2014. |
| Where is Pathfinder Bancorp headquartered? | Pathfinder Bancorp is headquartered in United States. |
| How many employees does Pathfinder Bancorp have? | As of today, Pathfinder Bancorp has over 182 employees. |
| Who is the CEO of Pathfinder Bancorp? | Pathfinder Bancorp's CEO is James A. Dowd. |
| Is Pathfinder Bancorp publicly listed? | Yes, Pathfinder Bancorp is a public company listed on Nasdaq. |
| What is the stock symbol of Pathfinder Bancorp? | Pathfinder Bancorp trades under PBHC ticker. |
| When did Pathfinder Bancorp go public? | Pathfinder Bancorp went public in 1996. |
| Who are competitors of Pathfinder Bancorp? | Pathfinder Bancorp main competitors are AGRAM BANKA, Bien Sparebank, Fifth District Bancorp, First Northwest Bancorp. |
| What is the current market cap of Pathfinder Bancorp? | Pathfinder Bancorp's current market cap is $84M. |
| What is the current revenue of Pathfinder Bancorp? | Pathfinder Bancorp's last fiscal year revenue is $46M. |
| What is the current EV/Revenue multiple of Pathfinder Bancorp? | Current revenue multiple of Pathfinder Bancorp is 4.1x. |
| Is Pathfinder Bancorp profitable? | No, Pathfinder Bancorp is not profitable. |
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