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Zacks Company Profile for Pathfinder Bancorp, Inc. (PBHC : NSDQ)

• Company Description    Pathfinder Bancorp Inc. is a New York-chartered savings bank. The bank is primarily engaged in the business of attracting deposits from the general public in the Bank's market area, and investing such deposits, together with other sources of funds, in loans secured by one- to four-familyresidential real estate. The bank's principal sources of funds are deposits, principal and interest payments on loans and borrowings from correspondent financial institutions. Number of Employees: 186

• Price / Volume Information    Yesterday's Closing Price: $14.11 Daily Weekly Monthly 20 Day Moving Average: 2,525 shares Shares Outstanding: 4.79 (millions) Market Capitalization: $67.65 (millions) Beta: 0.11 52 Week High: $17.60 52 Week Low: $13.35 Short Interest Ratio:   % Price Change % Price Change Relative to S&P 500 4 Week -0.63% -0.47% 12 Week -7.54% -9.03% Year To Date 0.00% 0.00%

• Address & Contact Information Street Address Phone / Fax Email Address Web URL 214 WEST FIRST STREET - OSWEGO,NY 13126 USA ph: 315-343-0057 fax: 315-342-9403 twschneider@pathfinderbank.com http://www.pathfinderbank.com

• General Corporate Information    Officers James A. Dowd - Chief Executive Officer and President Justin K. Bigham - Senior Vice President and Chief Financial Officer Lloyd Stemple - Director William A. Barclay - Director John P. Funiciello - Director Peer Information Pathfinder Bancorp, Inc. (ABBK) Pathfinder Bancorp, Inc. (ABCWQ) Pathfinder Bancorp, Inc. (BDJI) Pathfinder Bancorp, Inc. (COOPQ) Pathfinder Bancorp, Inc. (CITZ) Pathfinder Bancorp, Inc. (BKC.) Industry / Sector / Ticker Info Analyst Coverage: No Industry Group: FIN-SVGS & LOAN Sector: Finance CUSIP: 70319R109 SIC: 6022 Fiscal Year Fiscal Year End: December Last Reported Quarter: 09/01/25 Next Expected EPS Date: 01/30/26 Share - Related Items Shares Outstanding: 4.79 Most Recent Split Date: 10.00 (1.65:1) Beta: 0.11 Market Capitalization: $67.65 (millions)

• EPS Information     • Dividend Information Analyst Coverage: No Dividend Yield: 2.83% Current Fiscal Quarter EPS Consensus Estimate: $ Indicated Annual Dividend: $0.40 Current Fiscal Year EPS Consensus Estimate: $ Payout Ratio: 0.33 Number of Estimates in the Fiscal Year Consensus: Change In Payout Ratio: -0.01 Estmated Long-Term EPS Growth Rate: % Last Dividend Paid: 10/17/2025 - $0.10 Next EPS Report Date: 01/30/26

• Fundamental Ratios P/E Current FY Estimate: - Trailing 12 Months: 11.76 PEG Ratio: - Price Ratios Price/Book: 0.53 Price/Cash Flow: 13.49 Price / Sales: 0.78 EPS Growth vs. Year Ago Period: 113.33% vs. Previous Quarter: -% Sales Growth vs. Year Ago Period: -7.28% vs. Previous Quarter: 2.42% ROE 12/31/25 - - 09/30/25 - 6.37 06/30/25 - 2.15 ROA 12/31/25 - - 09/30/25 - 0.53 06/30/25 - 0.18 Current Ratio 12/31/25 - - 09/30/25 - 0.72 06/30/25 - 0.71 Quick Ratio 12/31/25 - - 09/30/25 - 0.72 06/30/25 - 0.71 Operating Margin 12/31/25 - - 09/30/25 - 9.09 06/30/25 - 2.98 Net Margin 12/31/25 - - 09/30/25 - 9.09 06/30/25 - 2.98 Pre-Tax Margin 12/31/25 - - 09/30/25 - 11.69 06/30/25 - 4.19 Book Value 12/31/25 - - 09/30/25 - 26.39 06/30/25 - 26.13 Inventory Turnover 12/31/25 - - 09/30/25 - 36.75 06/30/25 - 37.61 Debt-to-Equity 12/31/25 - - 09/30/25 - 0.15 06/30/25 - 0.17 Debt-to-Capital 12/31/25 - - 09/30/25 - 12.89 06/30/25 - 14.43

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