Pathfinder Bancorp, Inc. (PBHC) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Pathfinder Bancorp, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | -25.99x | 31.52x | 7.01x | 6.75x | 6.20x | 7.48x |
| P/B Ratio | 0.73x | 0.88x | 0.55x | 0.79x | 0.70x | 0.53x |
| P/S Ratio | 1.12x | 1.28x | 0.91x | 1.55x | 1.51x | 1.08x |
| Profitability | ||||||
| Gross Margin | 38.5% | 42.1% | 55.9% | 77.9% | 83.2% | 67.7% |
| Operating Margin | -5.2% | 6.2% | 16.4% | 27.8% | 31.4% | 17.3% |
| Net Margin | -4.3% | 4.1% | 12.9% | 22.9% | 24.3% | 14.4% |
| EBITDA Margin | -2.5% | 7.8% | 18.3% | 29.1% | 34.9% | 20.1% |
| Liquidity | ||||||
| Current Ratio | 26.41x | 0.24x | 0.25x | 0.20x | 0.22x | 0.18x |
| Quick Ratio | 26.41x | 0.24x | 0.25x | 0.20x | 0.22x | 0.18x |
| Leverage | ||||||
| Debt/Equity | 0.89x | 1.12x | 1.77x | 1.37x | 0.99x | 1.27x |
YoY = year-over-year change. Source: FMP..