Pathfinder Bancorp, Inc. Financial Ratios — PBHC Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	5.41	8.56	8.67	8.84	8.57	9.45	9.34	9.93	9.35	13.99	21.96	19.54	12.6	4.39	-2.56
Return on Assets (%)	0.55	0.58	0.49	0.52	0.49	0.48	0.43	0.44	0.42	0.6	0.99	0.96	0.65	0.23	-0.13
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.3	4.4	3.81	3.99	4.48	4.28	4.11	4.21	4.82	3.69	4.18	1.5	3.11	2.9	5.11
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	19.29	19.96	17.08	18.97	17.45	18.02	16.54	15.86	16.86	22.31	36.8	33.62	27.36	11.19	-8.71
Profit Margin (%)	13.31	14.78	12.64	13.17	12.59	13.37	13.29	14.03	13.23	18.59	28.52	27.71	21.57	7.34	-4.11
Net Income to Common Margin (%)	7.56	12.27	12.64	12.71	12.03	13.31	13.29	14.03	12.58	17.81	28.11	27.71	21.57	7.34	-4.11
Effective Tax Rate (%)	31.01	25.97	26.05	29.16	26.75	25.2	21.22	11.99	21.37	15.53	21.86	16.93	20.04	6.43	- -
Dvd Payout Ratio (%)	-18.71	16.33	16.06	10.25	21.41	27.18	26.35	25.71	25	16.39	11.43	15.51	22.9	37.91	-127.26
Sustainable Growth Rate (%)	6.42	7.16	7.27	7.94	6.74	6.88	6.88	7.37	7.01	11.69	19.45	16.51	9.72	2.73	-5.81

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	31	40	46	71	56	74	89	134	111	124	110	153	212	137	106
ST Debt	- -	9	24	55	25	42	31	39	25	4	12	60	126	61	44
LT Debt	31	31	22	16	31	32	58	95	86	120	97	92	86	76	62
Total Debt/EBITDA	41.64	50.91	63.37	85.75	54.76	70.65	82.43	110.53	71.18	89.97	60.37	217.96	157.91	102.1	44.15
Net Debt/EBITDA	25.35	37.38	39.85	72.08	39.93	49.24	62.05	88.76	56.54	56.59	38.26	157.78	117	64.77	23.78
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.56	5.59	5.72	5.55	5.33	4.76	4.43	4.52	4.1	4.1	4.75	5.1	5.19	5.28	5.15
Long-Term Debt/Equity (%)	82.53	76.37	51.1	23.34	44.21	54.87	93.89	146.8	94.59	122.75	87.86	82.66	71.45	62.16	50.57
Long-Term Debt/Capital (%)	45.34	38.98	24.96	13.95	30.59	29.1	45.46	53.76	54.96	68.71	56.82	41.08	29.78	35.22	34.53
Long-Term Debt/Total Assets (%)	7.05	6.51	4.37	2.88	5.05	4.28	6.62	10.14	7.84	9.77	7.56	6.59	5.86	5.12	4.34
Total Debt/Equity (%)	82.53	98.46	106.82	102.96	79.03	126.75	143.13	207.31	122.32	126.86	99.15	136.73	175.96	112.37	86.5
Total Debt/Capital (%)	45.34	50.25	52.17	61.53	54.68	67.21	69.3	75.91	71.08	71.01	64.13	67.95	73.35	63.67	59.06
Total Debt/Total Assets (%)	7.05	8.4	9.13	12.7	9.03	9.88	10.09	14.32	10.14	10.1	8.54	10.9	14.44	9.26	7.42
Net Debt to Equity	50.24	72.29	67.18	86.55	57.63	88.33	107.74	166.48	97.16	79.8	62.83	98.98	130.37	71.29	46.6
Net Debt/Capital (%)	33.55	42.58	40.69	57.35	46.8	58.82	62.96	71.68	64.83	59.48	51.91	58.36	65.39	47.37	38.51
EBITDA	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
EBITDA-CapEx	-1	1	-2	-2	-2	- -	-1	-4	-2	- -	1	-5	-1	-7	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	5.56	5.59	5.72	5.55	5.33	4.76	4.43	4.52	4.1	4.1	4.75	5.1	5.19	5.28	5.15
Long-Term Debt/Equity (%)	82.53	76.37	51.1	23.34	44.21	54.87	93.89	146.8	94.59	122.75	87.86	82.66	71.45	62.16	50.57
Long-Term Debt/Capital (%)	45.34	38.98	24.96	13.95	30.59	29.1	45.46	53.76	54.96	68.71	56.82	41.08	29.78	35.22	34.53
Long-Term Debt/Total Assets (%)	7.05	6.51	4.37	2.88	5.05	4.28	6.62	10.14	7.84	9.77	7.56	6.59	5.86	5.12	4.34
Total Debt/Equity (%)	82.53	98.46	106.82	102.96	79.03	126.75	143.13	207.31	122.32	126.86	99.15	136.73	175.96	112.37	86.5
Total Debt/Capital (%)	45.34	50.25	52.17	61.53	54.68	67.21	69.3	75.91	71.08	71.01	64.13	67.95	73.35	63.67	59.06
Total Debt/Total Assets (%)	7.05	8.4	9.13	12.7	9.03	9.88	10.09	14.32	10.14	10.1	8.54	10.9	14.44	9.26	7.42
CFO/Total Liabilities	0.99	0.63	1.11	1.02	1.14	0.92	0.84	1.03	0.81	4.12	1.72	1.69	1.15	0.83	0.9
CFO/CapEx	2.01	14.41	2.26	2.13	2.4	4.68	3.46	1.58	2.26	36.92	16.63	4.17	7.85	1.35	9.27
Altman's Z-Score	0.15	0.15	0.16	0.17	0.17	0.15	0.14	0.14	0.12	0.12	0.14	0.15	0.13	0.14	0.14

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	10.29	10.53	11.09	11.7	11.76	10.67	9.42	9.4	9.54	9.05	9.59	8.73	6.4	6.51	7.11
Days Sales Outstanding	35.49	34.65	32.9	31.2	31.04	34.19	38.75	38.85	38.27	40.33	38.05	41.8	57	56.07	51.31
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	22	26	34	41	53	55	63	65	62	52	77	87	65	82	67
- Cash & Cash Equivalents	12	11	17	11	15	22	22	26	20	43	37	35	49	32	31
+ Preferred Equity and Hybrid Capital	13	13	13	13	13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	1	- -	- -
+ Total Debt	31	40	46	71	56	74	89	134	111	124	110	153	212	137	106
Enterprise Value	-46	-40	-5	26	9	-35	-41	-5	42	5	-41	13	-30	-82	-135
Total Capital	69	80	88	116	103	110	128	176	156	175	171	225	288	214	179
Total Debt/Capital (%)	45.34	50.25	52.17	61.53	54.68	67.21	69.3	75.91	71.08	71.01	64.13	67.95	73.35	63.67	59.06
Total Debt / EV	-0.68	-1	-9.85	2.74	6.45	-2.14	-2.17	-27.88	2.65	27.25	-2.69	11.38	-7.08	-1.67	-0.79
EV/Sales	- -	- -	- -	1.25	0.38	- -	- -	- -	1.3	0.12	- -	0.29	- -	- -	- -
EV/EBITDA	- -	- -	- -	31.25	8.48	- -	- -	- -	26.9	3.3	- -	19.15	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	5.17	1.38	- -	- -	- -	5.16	0.1	- -	0.62	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	3.52	0.98	- -	- -	- -	3.58	0.1	- -	0.5	- -	- -	- -
Diluted Market Cap	23	26	34	41	54	57	65	67	62	52	77	87	65	82	67
Diluted Enterprise Value	55	68	76	114	109	109	132	174	153	133	150	205	229	187	142
EV per Share	- -	- -	- -	6.25	2.12	- -	- -	- -	9.39	1	- -	2.94	- -	- -	- -
TTM Sales	17	18	19	21	23	24	26	29	32	37	44	47	43	46	47
TTM EBITDA	1	1	1	1	1	1	1	1	2	1	2	1	1	1	2
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	3	5	5	6	6	7	9	8	47	20	22	15	11	12
TTM Free Cash Flow to Firm	6	3	7	7	9	8	9	15	12	48	21	27	17	20	13

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	3.76	8.76	4.64	5.57	6.05	7.31	7.32	4.55	5.3	1.09	3.6	3.24	3.75	4.22	5.21
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-46	-40	-5	26	9	-35	-41	-5	42	5	-41	13	-30	-82	-135
Low Price	4.86	5.34	6.25	8.2	9.67	10.76	12.73	13.45	12.55	9.08	11.36	17	11.91	11.41	13.35
EV/Sales	- -	- -	- -	1.25	0.38	- -	- -	- -	1.3	0.12	- -	0.29	- -	- -	- -
EV/EBITDA	- -	- -	- -	31.25	8.48	- -	- -	- -	26.9	3.3	- -	19.15	- -	- -	- -
Price/Earnings	16.81	11.72	14.13	15.37	19.28	17.01	18	16.2	15.25	7.81	6.29	6.75	7.01	24.39	- -
Price/Earnings Average	17.31	11.06	13.7	14.23	16.48	15.1	17.56	15.89	15.24	7.49	5.63	6.78	7.55	20.16	-38.05
Price/Earnings High	19.33	12.53	17.27	16	19.91	17.52	18.71	17.22	17.83	9.87	6.37	7.75	9.86	27.67	-43.49
Price/Earnings Low	15.1	10.02	10.77	12.86	14.45	13.57	14.88	13.92	13.77	6.18	4.16	5.99	5.96	15.9	-32.99
Price/Book Value	0.9	0.97	1.18	1.31	1.6	1.55	1.61	1.55	1.38	1.03	1.26	1.22	0.86	1.06	0.92
Price/Book Value Average	0.93	0.91	1.14	1.21	1.37	1.38	1.57	1.52	1.38	0.99	1.13	1.23	0.92	0.88	1
Price/Book Value High	1.04	1.03	1.44	1.36	1.65	1.6	1.67	1.65	1.62	1.31	1.28	1.4	1.2	1.2	1.15
Price/Book Value Low	0.81	0.82	0.9	1.09	1.2	1.24	1.33	1.33	1.25	0.82	0.83	1.09	0.73	0.69	0.87
Price/Tangible Book Value	1.06	1.08	1.33	0.79	0.99	1.03	1.09	1.09	0.72	0.56	0.73	0.82	0.56	0.75	0.6
Price/Tangible Book Value Average	1.09	1.02	1.29	0.73	0.85	0.92	1.07	1.07	0.72	0.54	0.65	0.82	0.61	0.62	0.66
Price/Tangible Book Value High	1.21	1.15	1.63	0.82	1.03	1.06	1.14	1.16	0.84	0.71	0.73	0.94	0.79	0.85	0.75
Price/Tangible Book Value Low	0.95	0.92	1.02	0.66	0.75	0.82	0.9	0.94	0.65	0.44	0.48	0.72	0.48	0.49	0.57
Price/Sales	1.27	1.44	1.79	1.95	2.32	2.26	2.39	2.27	1.92	1.39	1.77	1.87	1.51	1.79	1.43
Price/Sales Average	1.31	1.36	1.73	1.81	1.98	2.01	2.33	2.23	1.92	1.33	1.58	1.88	1.63	1.48	1.57
Price/Sales High	1.46	1.54	2.18	2.03	2.39	2.33	2.49	2.42	2.24	1.76	1.79	2.15	2.13	2.03	1.79
Price/Sales Low	1.14	1.23	1.36	1.64	1.74	1.8	1.98	1.95	1.73	1.1	1.17	1.66	1.29	1.17	1.36
Price/Cash Flow	5.53	9.32	6.65	8.1	8.43	8.69	9.19	7.27	7.64	1.12	3.81	4.02	4.22	7.36	5.77
Price/Cash Flow Average	5.7	8.79	6.45	7.5	7.2	7.72	8.96	7.13	7.63	1.07	3.42	4.03	4.55	6.08	6.3
Price/Cash Flow High	6.36	9.96	8.13	8.43	8.7	8.96	9.54	7.73	8.93	1.41	3.86	4.61	5.94	8.35	7.2
Price/Cash Flow Low	4.97	7.96	5.07	6.78	6.32	6.93	7.59	6.25	6.9	0.88	2.52	3.57	3.59	4.8	5.46
Price/Free Cash Flow Average	3.88	8.26	4.49	5.16	5.17	6.49	7.13	4.46	5.29	1.04	3.22	3.25	4.03	3.49	5.69
Price/Free Cash Flow High	4.33	9.36	5.66	5.8	6.24	7.53	7.6	4.84	6.19	1.37	3.64	3.72	5.27	4.79	6.5
Price/Free Cash Flow Low	3.38	7.48	3.53	4.66	4.53	5.83	6.05	3.91	4.78	0.86	2.38	2.88	3.19	2.75	4.93
EV/Sales Average	3.14	3.73	3.95	5.33	4.36	4.13	4.89	5.97	4.73	3.49	3.26	4.41	5.43	3.75	3.16
EV/Sales High	3.3	3.91	4.4	5.55	4.77	4.46	5.05	6.16	5.06	3.92	3.47	4.67	5.93	4.31	3.38
EV/Sales Low	2.98	3.6	3.58	5.15	4.11	3.93	4.54	5.7	4.55	3.26	2.85	4.19	5.09	3.44	2.95
EV/EBITDA Average	73.14	84.73	103.65	133.59	97.21	96.62	119.16	141.92	98.19	94.8	78.01	293.65	174.49	129.49	61.82
EV/EBITDA High	76.7	88.84	115.47	139.24	106.42	104.15	122.88	146.37	104.97	106.31	82.98	311.61	190.52	148.51	66.21
EV/EBITDA Low	69.26	81.83	93.94	129.23	91.78	91.84	110.51	135.36	94.36	88.49	68.11	279.11	163.47	118.72	57.74
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	5.41	6.25	8.2	9.8	12.9	13.49	15.4	15.66	13.9	11.48	17.17	19.14	14.01	17.5	14.11
High Price	6.22	6.68	10.02	10.2	13.32	13.9	16	16.64	16.25	14.5	17.39	21.99	19.7	19.86	17.6
Enterprise Value Average	55	67	75	111	100	101	129	172	153	131	142	206	234	173	148
Enterprise Value High	58	70	84	116	109	109	133	177	164	146	151	218	255	199	159
Enterprise Value Low	52	64	68	107	94	96	119	164	147	122	124	195	219	159	139

Shares Outstanding	4	4	4	4	4	4	4	4	5	5	6	6	6	6	6
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4	4	5	4	5	5	5	5
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4	4	5	4	5	5	5	5
Revenue per Share	4.26	4.34	4.59	5.02	5.56	5.96	6.44	6.89	7.24	8.25	9.71	10.23	9.26	9.78	9.84
EBITDA per Share	0.18	0.19	0.18	0.2	0.25	0.26	0.26	0.29	0.35	0.3	0.41	0.15	0.29	0.28	0.5
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.32	0.53	0.58	0.64	0.67	0.79	0.86	0.97	0.91	1.47	2.73	2.84	2	0.72	-0.4
Basic EPS from Cont Ops	0.57	0.64	0.58	0.67	0.71	0.8	0.84	0.96	0.96	1.55	2.79	2.86	2.02	1.02	-0.4
Diluted EPS, GAAP	0.32	0.53	0.58	0.63	0.66	0.78	0.83	0.94	0.91	1.47	2.73	2.84	2	0.72	-0.4
Diluted EPS from Cont Ops	0.56	0.64	0.58	0.67	0.7	0.79	0.82	0.94	0.96	1.55	2.79	2.86	2.02	1.02	-0.4
Dividend per Share	0.18	0.2	0.09	0.09	0.18	0.22	0.22	0.25	0.28	0.31	0.36	0.45	0.47	0.5	0.51
Cash Flow per Share	0.98	0.67	1.23	1.21	1.53	1.55	1.68	2.15	1.82	10.28	4.5	4.77	3.32	2.38	2.44
Free Cash Flow per Basic Share	0.49	0.62	0.69	0.64	0.89	1.22	1.19	0.79	1.01	10	4.23	3.62	2.89	0.61	2.18
Cash & Equivalents per Share	27.46	28.85	23.65	23.92	27.69	40.04	47.32	48.9	29.41	37.9	50.86	49.79	66.08	63.83	64.47
Book Value per Share	6.01	6.48	6.95	7.49	8.06	8.69	9.57	10.11	10.05	11.11	13.62	15.66	16.36	16.52	15.37
Tangible Book Value per Share	5.12	5.8	6.15	12.43	12.97	13.06	14.07	14.33	19.26	20.53	23.67	23.46	24.85	23.43	23.45

Pathfinder Bancorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)