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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.
2014
182
Last FY Revenue $46.1M
Last FY EBITDA n/a
$237M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
In the most recent fiscal year, Pathfinder Bancorp achieved revenue of $46.1M and an EBITDA of n/a.
Pathfinder Bancorp expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Pathfinder Bancorp valuation multiples based on analyst estimates| NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|
| Revenue | XXX | $46.1M | XXX | XXX | XXX |
| Gross Profit | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | XXX | n/a | XXX | XXX | XXX |
| EBITDA | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | XXX | n/a | XXX | XXX | XXX |
| EBIT | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | XXX | n/a | XXX | XXX | XXX |
| Net Profit | XXX | $3.4M | XXX | XXX | XXX |
| Net Margin | XXX | 7% | XXX | XXX | XXX |
| Net Debt | XXX | $86.6M | XXX | XXX | XXX |
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As of August 15, 2025, Pathfinder Bancorp's stock price is $15.
Pathfinder Bancorp has current market cap of $92.7M, and EV of $237M.
See Pathfinder Bancorp trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $237M | $92.7M | XXX | XXX | XXX | XXX | n/a |
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Start Free TrialAs of August 15, 2025, Pathfinder Bancorp has market cap of $92.7M and EV of $237M.
Pathfinder Bancorp's trades at 5.1x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Pathfinder Bancorp's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Pathfinder Bancorp's P/E ratio is not available.
See valuation multiples for Pathfinder Bancorp and 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $92.7M | XXX | $92.7M | XXX | XXX | XXX |
| EV (current) | $237M | XXX | $237M | XXX | XXX | XXX |
| EV/Revenue | n/a | XXX | 5.1x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
| P/E | n/a | XXX | 27.4x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 82.5x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialPathfinder Bancorp's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged n/a for the same period.
Pathfinder Bancorp's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Pathfinder Bancorp's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Pathfinder Bancorp and other 15K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.3M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | 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 acquired XXX companies to date.
Last acquisition by Pathfinder Bancorp was XXXXXXXX, XXXXX XXXXX XXXXXX . Pathfinder Bancorp acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Pathfinder Bancorp founded? | Pathfinder Bancorp was founded in 2014. |
| Where is Pathfinder Bancorp headquartered? | Pathfinder Bancorp is headquartered in United States of America. |
| How many employees does Pathfinder Bancorp have? | As of today, Pathfinder Bancorp has 182 employees. |
| Who is the CEO of Pathfinder Bancorp? | Pathfinder Bancorp's CEO is Mr. James A. Dowd, C.P.A.. |
| Is Pathfinder Bancorp publicy listed? | Yes, Pathfinder Bancorp is a public company listed on NAS. |
| 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? | Similar companies to Pathfinder Bancorp include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
| What is the current market cap of Pathfinder Bancorp? | Pathfinder Bancorp's current market cap is $92.7M |
| Is Pathfinder Bancorp profitable? | Yes, Pathfinder Bancorp is EBITDA-positive (as of the last 12 months). |
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