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Pathfinder Bancorp (PBHC) Financials

Pathfinder Bancorp logo
$16.29 +0.28 (+1.75%)
Closing price 04:00 PM Eastern
Extended Trading
$16.28 0.00 (-0.03%)
As of 04:10 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for Pathfinder Bancorp

Annual Income Statements for Pathfinder Bancorp

This table shows Pathfinder Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2020 2021 2022 2023 2024 2025
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 2.65 2.76 3.26 3.49 18 6.95 12 13 9.29 3.38 -1.93
Consolidated Net Income / (Loss)		 2.80 2.93 3.30 3.42 4.01 7.05 13 13 9.42 4.83 -1.93
Net Income / (Loss) Continuing Operations		 2.80 2.93 3.30 3.42 14 7.05 13 13 9.42 4.83 -1.93
Total Pre-Tax Income 		3.95 4.00 4.41 4.35 4.56 8.34 16 16 12 5.16 -4.09
Total Revenue		 21 23 24 25 27 38 45 47 44 40 31
Net Interest Income / (Expense)		 17 19 20 23 26 32 38 41 39 41 44
Total Interest Income		 20 21 24 29 35 43 46 51 68 78 77
Loans and Leases Interest Income		 17 18 21 24 28 35 37 38 47 42 37
Investment Securities Interest Income		 2.76 2.95 3.33 4.87 6.14 7.01 8.79 13 20 25 23
Federal Funds Sold and Securities Borrowed Interest Income		 0.01 0.02 0.06 0.16 0.25 0.08 0.01 0.15 0.30 0.79 0.45
Total Interest Expense		 2.61 2.66 3.80 6.29 9.04 11 7.53 9.70 29 37 32
Deposits Interest Expense		 1.96 1.96 2.44 3.90 6.81 8.11 4.71 7.07 23 30 28
Short-Term Borrowings Interest Expense		 0.10 0.14 0.30 1.00 0.22 0.15 0.01 0.31 2.69 4.18 1.97
Long-Term Debt Interest Expense		 0.56 0.56 1.06 1.39 2.01 2.60 2.81 2.31 2.79 2.70 2.36
Total Non-Interest Income		 3.76 4.17 4.18 4.09 3.84 6.49 6.23 5.91 5.19 9.56 2.50
Service Charges on Deposit Accounts		 - - - 0.80 0.84 0.96 1.05 1.13 1.30 1.07 0.00
Other Service Charges		 3.11 3.32 3.32 - - 3.44 3.69 - - 4.17 3.45
Net Realized & Unrealized Capital Gains on Investments		 0.34 0.46 0.55 0.53 -0.13 1.63 0.93 0.07 -0.01 3.47 1.68
Other Non-Interest Income		 0.31 0.40 0.31 0.28 0.43 0.46 0.56 4.72 3.90 0.85 -2.63
Provision for Credit Losses		 1.21 1.35 0.95 1.77 1.50 4.71 1.02 2.75 2.99 -0.04 0.02
Total Non-Interest Expense		 16 18 19 21 24 25 27 29 29 34 35
Salaries and Employee Benefits		 8.80 9.69 11 12 13 13 14 16 16 18 19
Net Occupancy & Equipment Expense		 3.16 3.53 3.62 3.98 4.17 5.41 5.68 5.42 5.58 6.59 7.99
Marketing Expense		 0.54 0.52 0.73 0.81 0.92 0.94 1.20 0.91 0.67 0.60 0.46
Property & Liability Insurance Claims		 0.40 0.41 0.35 0.47 0.49 0.70 0.87 0.61 0.89 0.92 0.60
Other Operating Expenses		 2.80 3.44 3.65 1.45 -7.52 4.56 5.36 5.92 6.38 8.21 6.00
Amortization Expense		 - - - - - - - - - 0.29 0.63
Income Tax Expense		 1.15 1.07 1.11 0.92 0.55 1.30 3.50 2.66 2.36 0.33 -2.16
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.06 0.04 0.03 -0.07 -0.02 0.10 0.10 0.10 0.13 1.45 0.00
Weighted Average Basic Shares Outstanding		 4.35M 4.35M 4.25M 4.29M 4.39M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Diluted Earnings per Share		 $0.63 $0.66 $0.78 $0.83 $0.94 $1.17 - $4.26 $3.02 $1.08 ($0.62)
Weighted Average Diluted Shares Outstanding		 4.35M 4.35M 4.25M 4.29M 4.39M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Weighted Average Basic & Diluted Shares Outstanding		 4.35M 4.35M 4.25M 4.29M 4.39M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Cash Dividends to Common per Share		 $0.12 $0.16 $0.20 $0.22 $0.24 $0.24 $1,258.56 $0.36 $0.36 $0.40 $0.40

Quarterly Income Statements for Pathfinder Bancorp

This table shows Pathfinder Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.18 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41
Consolidated Net Income / (Loss)		 2.19 2.58 2.17 2.01 -4.62 5.26 2.97 0.03 0.63 -5.56 2.41
Net Income / (Loss) Continuing Operations		 2.19 2.58 2.17 2.01 -4.62 5.26 2.97 0.03 0.63 -5.56 2.41
Total Pre-Tax Income 		2.77 3.17 2.71 2.49 -5.79 5.75 3.72 0.04 0.67 -8.52 2.94
Total Revenue		 11 12 11 11 13 4.27 13 8.12 13 -3.32 11
Net Interest Income / (Expense)		 10 9.16 9.40 9.48 12 10 11 11 12 11 10
Total Interest Income		 18 18 19 19 21 20 19 19 20 18 18
Loans and Leases Interest Income		 12 14 12 12 14 2.42 14 12 14 -2.25 12
Investment Securities Interest Income		 5.13 5.90 6.23 6.49 6.28 5.96 5.68 6.00 5.81 5.24 4.98
Federal Funds Sold and Securities Borrowed Interest Income		 0.07 0.07 0.10 0.12 0.49 0.08 0.09 0.07 0.13 0.16 0.16
Total Interest Expense		 7.61 9.17 9.21 9.54 9.47 9.15 8.03 8.37 8.14 7.78 7.16
Deposits Interest Expense		 6.22 7.38 7.41 7.63 7.63 7.82 6.95 7.32 6.96 6.77 6.13
Short-Term Borrowings Interest Expense		 0.67 1.06 1.11 1.23 1.14 0.70 0.55 0.50 0.57 0.37 0.27
Long-Term Debt Interest Expense		 0.71 0.73 0.69 0.69 0.70 0.63 0.54 0.56 0.61 0.65 0.76
Total Non-Interest Income		 1.19 1.32 1.74 1.21 1.71 4.91 1.20 -1.52 1.50 1.31 1.13
Service Charges on Deposit Accounts		 0.31 0.30 0.40 0.26 0.37 0.05 0.00 0.00 0.00 - 0.00
Other Service Charges		 - - 1.21 0.87 1.03 1.07 0.76 0.89 0.96 0.84 0.82
Net Realized & Unrealized Capital Gains on Investments		 -0.01 -0.05 -0.02 -0.08 -0.05 3.62 0.28 0.50 0.25 0.65 0.26
Other Non-Interest Income		 0.89 2.70 0.16 0.17 0.36 0.17 0.16 -2.91 0.29 -0.17 0.05
Provision for Credit Losses		 0.80 1.52 0.71 0.30 8.97 -10 0.46 0.02 3.49 -3.95 -0.17
Total Non-Interest Expense		 7.68 7.01 7.71 7.91 10 8.54 8.43 8.06 8.94 9.15 8.69
Salaries and Employee Benefits		 4.15 3.68 4.33 4.40 4.96 4.12 4.45 4.53 5.01 4.92 4.86
Net Occupancy & Equipment Expense		 1.35 1.36 1.34 1.46 1.81 1.98 2.01 1.90 2.04 2.04 2.06
Marketing Expense		 0.14 0.16 0.11 0.12 0.17 0.22 0.14 0.08 0.09 0.16 0.09
Property & Liability Insurance Claims		 0.22 0.22 0.23 0.23 0.23 0.23 0.23 0.00 0.17 0.20 0.20
Other Operating Expenses		 1.81 1.63 1.70 1.76 2.97 1.78 1.44 1.41 1.48 1.68 1.33
Amortization Expense		 - - 0.00 0.01 0.13 0.16 0.16 0.16 0.16 0.16 0.16
Income Tax Expense		 0.57 0.59 0.53 0.48 -1.17 0.49 0.74 0.01 0.05 -2.96 0.53
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.02 0.04 0.05 0.01 0.03 1.35 0.00 0.00 0.00 - 0.00
Basic Earnings per Share		 $0.70 $0.82 $0.68 $0.64 ($1.50) - $0.96 $0.00 $0.20 - $0.76
Weighted Average Basic Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Diluted Earnings per Share		 $0.70 $0.82 $0.68 $1.05 $0.41 ($1.06) $0.94 $0.47 $0.47 ($2.38) $0.76
Weighted Average Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Weighted Average Basic & Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Cash Dividends to Common per Share		 $0.09 $0.09 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10 $0.10

Annual Cash Flow Statements for Pathfinder Bancorp

This table details how cash moves in and out of Pathfinder Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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
Net Change in Cash & Equivalents		 3.89 7.17 -0.43 4.33 -6.16 23 -6.32 -1.87 13 -17 -0.40
Net Cash From Operating Activities		 6.31 6.37 6.84 8.98 8.12 47 20 22 15 11 12
Net Cash From Continuing Operating Activities		 6.31 6.37 6.84 8.61 8.12 47 20 22 15 11 12
Net Income / (Loss) Continuing Operations		 2.89 3.27 3.49 4.03 4.28 6.95 12 13 9.29 3.38 -1.93
Consolidated Net Income / (Loss)		 2.89 3.27 3.49 4.03 4.28 6.95 12 13 9.29 3.38 -1.93
Provision For Loan Losses		 1.35 0.95 - 1.50 1.97 4.71 1.02 2.75 2.93 11 16
Depreciation Expense		 1.00 1.02 1.04 1.18 1.52 1.70 1.79 1.07 1.40 1.34 1.38
Amortization Expense		 1.07 1.50 2.08 1.67 1.07 2.63 4.43 2.19 1.64 -0.39 1.14
Non-Cash Adjustments to Reconcile Net Income		 -0.39 -0.21 2.10 0.06 -0.30 33 0.36 0.74 -0.29 -1.91 -4.76
Changes in Operating Assets and Liabilities, net		 0.40 -0.15 -1.86 0.54 -0.41 -2.19 0.15 2.05 0.46 -2.19 -0.49
Net Cash From Investing Activities		 -61 -121 -134 -52 -163 -149 -70 -131 -55 -22 40
Net Cash From Continuing Investing Activities		 -61 -121 -134 -52 -163 -149 -70 -131 -55 -22 40
Purchase of Property, Leasehold Improvements and Equipment		 - - -1.98 -5.69 -3.60 -1.26 -1.21 -5.21 -1.97 -2.06 -1.26
Purchase of Investment Securities		 -122 -227 -256 -140 -337 -325 -222 -199 -136 -170 -74
Divestitures		 - - - - - - - 0.00 0.32 0.17 0.00
Sale and/or Maturity of Investments		 60 106 124 94 177 177 153 72 83 150 116
Net Cash From Financing Activities		 59 122 127 47 149 126 43 108 53 -5.97 -53
Net Cash From Continuing Financing Activities		 59 122 127 47 149 126 43 108 53 -5.97 -53
Net Change in Deposits		 75 121 113 47 155 114 59 70 -5.36 84 -21
Issuance of Debt		 28 21 33 47 20 65 13 9.29 6.27 11 11
Repayment of Debt		 -43 -3.54 -18 -2.00 -45 -52 -27 30 53 -98 -41
Payment of Dividends		 -0.74 -0.92 -0.88 -1.03 -1.25 -1.44 -1.64 -2.08 -2.23 -2.43 -2.51
Other Financing Activities, Net		 0.02 0.15 0.06 -44 0.79 0.25 0.63 0.66 0.80 -0.47 0.66
Cash Interest Paid		 2.52 3.93 6.18 8.93 13 11 7.44 1.75 27 39 32
Cash Income Taxes Paid		 1.24 0.97 0.95 0.66 0.75 2.65 2.46 3.22 3.16 0.00 0.00

Quarterly Cash Flow Statements for Pathfinder Bancorp

This table details how cash moves in and out of Pathfinder Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -12 24 -20 2.60 3.51 -3.75 20 -20 9.10 -9.40 7.99
Net Cash From Operating Activities		 5.10 8.43 0.50 1.52 12 -2.66 5.70 -3.74 7.05 2.67 -0.24
Net Cash From Continuing Operating Activities		 5.10 8.43 0.50 1.52 12 -2.66 5.70 -3.74 7.05 2.67 -0.24
Net Income / (Loss) Continuing Operations		 2.18 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41
Consolidated Net Income / (Loss)		 2.18 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41
Provision For Loan Losses		 0.83 0.27 0.73 0.29 8.97 0.99 0.46 1.20 3.49 11 -0.17
Depreciation Expense		 0.35 0.35 0.34 0.34 0.38 0.30 0.41 0.41 0.41 0.14 0.37
Amortization Expense		 0.35 0.08 -0.02 -0.02 -0.14 -0.22 0.26 0.14 0.48 0.26 0.14
Non-Cash Adjustments to Reconcile Net Income		 0.04 -0.33 -0.04 0.03 0.59 -2.49 -0.20 -3.45 2.98 -4.09 -0.07
Changes in Operating Assets and Liabilities, net		 1.35 5.53 -2.62 -1.12 6.69 -5.14 1.79 -2.06 -0.94 0.72 -2.94
Net Cash From Investing Activities		 -25 -41 -7.40 11 -29 3.80 -1.87 -25 39 28 11
Net Cash From Continuing Investing Activities		 -25 -41 -7.40 11 -29 3.80 -1.87 -25 39 28 11
Purchase of Property, Leasehold Improvements and Equipment		 -1.01 -0.30 -0.23 -0.88 -0.51 -0.44 -0.64 -0.22 -0.13 -0.27 -0.25
Purchase of Investment Securities		 -46 -58 -41 -21 -70 -39 -27 -49 4.85 -2.75 -20
Divestitures		 0.06 0.03 0.07 - 0.10 - 0.00 - - - 0.00
Sale and/or Maturity of Investments		 22 18 34 32 41 43 26 24 34 31 32
Net Cash From Financing Activities		 7.63 57 -13 -9.45 21 -4.89 16 8.89 -37 -40 -3.01
Net Cash From Continuing Financing Activities		 7.63 57 -13 -9.45 21 -4.89 16 8.89 -37 -40 -3.01
Net Change in Deposits		 27 -7.79 26 -45 95 8.31 60 -43 3.19 -41 28
Issuance of Debt		 -12 1.50 -34 34 11 - 0.00 42 2.83 - -1.70
Repayment of Debt		 -6.64 63 -4.05 1.90 -84 -12 -43 9.79 -43 1.37 -29
Payment of Dividends		 -0.56 -0.56 -0.56 -0.62 -0.62 -0.62 -0.63 -0.63 -0.63 -0.63 -0.63
Other Financing Activities, Net		 0.27 0.09 0.06 0.01 0.03 -0.57 0.18 0.26 0.09 0.13 0.45
Cash Interest Paid		 7.44 8.66 9.49 9.41 11 8.40 7.73 8.40 7.82 8.49 7.14

Annual Balance Sheets for Pathfinder Bancorp

This table presents Pathfinder Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 Assets		 623 749 881 933 1,094 1,227 1,285 1,400 1,466 1,475 1,427
Cash and Due from Banks		 9.62 6.97 9.71 9.61 8.28 15 14 14 12 14 12
Interest Bearing Deposits at Other Banks		 5.62 15 12 17 12 29 23 21 36 18 20
Trading Account Securities		 143 197 237 232 235 301 352 388 441 432 419
Loans and Leases, Net of Allowance		 425 486 574 613 737 811 819 882 881 902 867
Loans and Leases		 430 492 581 620 746 824 832 898 897 919 897
Allowance for Loan and Lease Losses		 5.71 6.25 7.13 7.31 8.67 13 13 15 16 17 29
Premises and Equipment, Net		 15 15 16 21 23 22 22 18 18 19 18
Goodwill		 4.54 4.54 4.54 4.54 4.54 4.54 4.54 4.54 4.54 5.06 5.06
Intangible Assets		 0.21 0.20 0.18 0.17 0.15 0.13 0.12 0.10 0.09 5.99 5.36
Other Assets		 20 24 27 36 39 43 50 72 72 79 81
Total Liabilities & Shareholders' Equity		 623 749 881 933 1,094 1,227 1,285 1,400 1,466 1,475 1,427
Total Liabilities		 552 691 819 869 1,003 1,130 1,175 1,288 1,346 1,353 1,304
Non-Interest Bearing Deposits		 62 75 90 103 108 162 192 184 170 214 196
Interest Bearing Deposits		 429 536 634 624 774 834 863 942 950 991 987
Short-Term Debt		 25 42 31 39 25 4.02 13 60 126 61 44
Accrued Interest Payable		 0.20 0.08 0.19 0.30 0.40 0.19 0.11 0.98 2.25 0.55 0.42
Long-Term Debt		 31 32 58 95 83 117 94 85 80 57 44
Other Long-Term Liabilities		 5.22 5.64 6.38 7.66 13 12 12 16 18 30 32
Total Equity & Noncontrolling Interests		 71 58 62 64 91 98 111 112 120 121 122
Total Preferred & Common Equity		 71 58 62 64 90 97 110 111 119 121 122
Total Common Equity		 58 58 62 64 90 97 110 111 119 121 122
Common Stock		 29 28 28 29 49 50 51 52 53 53 54
Retained Earnings		 33 36 39 42 45 50 61 71 76 78 73
Accumulated Other Comprehensive Income / (Loss)		 -2.57 -3.82 -4.21 -6.04 -2.97 -2.24 -1.27 -12 -9.61 -9.14 -5.37

Quarterly Balance Sheets for Pathfinder Bancorp

This table presents Pathfinder Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,401 1,454 1,446 1,483 1,495 1,505 1,472 1,422
Cash and Due from Banks		 13 14 12 19 19 16 19 14
Interest Bearing Deposits at Other Banks		 12 16 20 16 33 15 21 25
Trading Account Securities		 395 455 445 437 444 464 442 407
Loans and Leases, Net of Allowance		 880 875 871 904 895 894 880 866
Loans and Leases		 896 892 888 922 912 910 899 895
Allowance for Loan and Lease Losses		 16 17 17 17 17 16 19 29
Premises and Equipment, Net		 18 18 19 19 19 19 19 18
Goodwill		 4.54 4.54 4.54 5.75 5.06 5.06 5.06 5.06
Intangible Assets		 0.09 0.08 0.08 6.22 5.83 5.68 5.52 5.21
Other Assets		 77 72 74 75 75 83 80 81
Total Liabilities & Shareholders' Equity		 1,401 1,454 1,446 1,483 1,495 1,505 1,472 1,422
Total Liabilities		 1,286 1,331 1,322 1,362 1,370 1,381 1,346 1,298
Non-Interest Bearing Deposits		 175 176 169 210 203 192 196 207
Interest Bearing Deposits		 953 970 932 986 1,061 1,030 1,029 1,005
Short-Term Debt		 57 92 128 60 27 76 38 15
Accrued Interest Payable		 1.73 1.96 2.09 0.24 0.84 0.81 1.13 0.45
Long-Term Debt		 84 76 76 70 48 51 49 43
Other Long-Term Liabilities		 16 16 15 35 30 31 33 29
Total Equity & Noncontrolling Interests		 114 123 124 121 125 124 126 124
Total Preferred & Common Equity		 114 122 123 120 125 124 126 124
Total Common Equity		 114 122 123 120 125 124 126 124
Common Stock		 53 53 53 53 53 54 54 55
Retained Earnings		 74 78 79 74 80 80 80 75
Accumulated Other Comprehensive Income / (Loss)		 -13 -8.86 -8.79 -6.72 -8.43 -8.86 -7.26 -6.72

Annual Metrics And Ratios for Pathfinder Bancorp

This table displays calculated financial ratios and metrics derived from Pathfinder Bancorp's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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
DEI Shares Outstanding		 4,352,203.00 4,229,744.00 4,279,700.00 4,358,328.00 4,707,875.00 4,528,883.00 5,963,498.00 1,380,283.00 6,099,571.00 6,100,071.00 6,174,508.00
DEI Adjusted Shares Outstanding		 4,352,203.00 4,229,744.00 4,279,700.00 4,358,328.00 4,707,875.00 4,528,883.00 5,963,498.00 1,380,283.00 6,099,571.00 6,100,071.00 6,174,508.00
DEI Earnings Per Adjusted Shares Outstanding		 0.67 0.78 0.80 0.92 0.91 1.56 2.10 9.44 1.54 0.79 -0.31
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.05% 6.68% 1.08% 8.75% 11.98% 0.00% 16.78% 6.27% -6.78% -10.36% -22.84%
EBITDA Growth		 8.73% 14.13% -27.98% -5.58% 8.53% 57.51% 75.51% -14.76% -22.09% -58.59% -125.78%
EBIT Growth		 1.24% 10.14% -57.52% -0.96% 19.67% 53.02% 91.93% -2.00% -25.28% -55.98% -179.32%
NOPAT Growth		 4.68% 12.48% 3.79% 17.12% 6.91% 64.40% 77.55% 4.18% -27.71% -48.76% -159.34%
Net Income Growth		 4.68% 12.48% 3.79% 17.12% 6.91% 64.40% 77.55% 4.18% -27.71% -48.76% -140.04%
EPS Growth		 4.76% 18.18% 6.41% 13.25% -14.89% 46.25% 0.00% 0.00% -29.11% -64.24% -157.41%
Operating Cash Flow Growth		 1,463.07% 0.95% 7.39% 31.28% -9.60% 473.41% -56.71% 7.83% -28.99% -27.37% 4.18%
Free Cash Flow Firm Growth		 132.67% -109.55% -912.21% -180.32% 108.03% -482.61% 208.97% -287.55% -118.77% 254.04% -71.29%
Invested Capital Growth		 -9.21% 3.77% 14.17% 31.10% 0.42% 10.18% -0.86% 18.42% 26.60% -26.43% -12.09%
Revenue Q/Q Growth		 1.08% 1.66% -3.09% 383.74% -38.22% 0.00% 0.00% 4.18% -3.08% -15.70% -19.93%
EBITDA Q/Q Growth		 2.97% 2.06% -65.69% 51.19% -22.18% 149.30% 187.57% -17.07% -3.59% 60.45% -112.74%
EBIT Q/Q Growth		 -4.65% 5.25% -76.34% 726.69% -29.44% 128.82% 153.32% -6.23% -6.68% 105.41% -140.21%
NOPAT Q/Q Growth		 -1.68% 5.40% -6.78% 424.05% -33.33% 1.06% 18.45% -2.48% -9.42% 124.87% -132.23%
Net Income Q/Q Growth		 -1.68% 5.40% -6.78% 463.06% -33.33% 1.06% 18.45% -2.48% -9.42% 124.87% -121.74%
EPS Q/Q Growth		 -1.49% 6.85% -3.49% 5.62% 14.29% -2.50% 0.00% 0.00% -10.12% -63.51% -188.57%
Operating Cash Flow Q/Q Growth		 25.34% 12.98% 2.67% 6.04% -15.01% -0.16% 17.20% 30.93% -6.95% -49.72% 83.80%
Free Cash Flow Firm Q/Q Growth		 0.00% 96.82% 89.38% -129.25% 118.31% -3,352.22% 667.35% -300.13% -42.55% 1,460.38% -44.24%
Invested Capital Q/Q Growth		 20.80% -15.38% -50.38% 25.15% 8.37% 15.28% 6.92% 26.69% 27.79% -4.61% -1.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 26.44% 28.29% 20.16% 17.50% 24.26% 33.21% 49.92% 40.04% 33.46% 15.46% -5.17%
EBIT Margin		 17.45% 18.02% 7.57% 6.90% 16.44% 21.88% 35.95% 33.16% 26.58% 13.05% -13.42%
Profit (Net Income) Margin		 12.78% 13.48% 13.84% 14.90% 12.93% 18.48% 28.10% 27.54% 21.36% 12.21% -6.34%
Tax Burden Percent		 73.25% 74.80% 78.78% 88.01% 78.63% 84.47% 78.14% 83.07% 79.96% 93.57% 47.23%
Interest Burden Percent		 100.00% 100.00% 231.98% 245.55% 100.00% 100.00% 100.00% 100.00% 100.52% 100.00% 100.00%
Effective Tax Rate		 26.75% 25.20% 21.22% 11.99% 21.37% 15.53% 21.86% 16.93% 20.04% 6.43% 0.00%
Return on Invested Capital (ROIC)		 2.19% 2.54% 2.42% 2.30% 2.16% 3.37% 5.73% 5.49% 3.23% 1.71% -1.27%
ROIC Less NNEP Spread (ROIC-NNEP)		 2.19% 2.54% 2.42% 2.30% 2.16% 3.37% 5.73% 5.49% 3.23% 1.71% -0.37%
Return on Net Nonoperating Assets (RNNOA)		 1.99% 2.55% 3.27% 4.04% 3.37% 4.11% 6.28% 6.24% 4.90% 2.29% -0.31%
Return on Equity (ROE)		 4.18% 5.09% 5.68% 6.33% 5.53% 7.48% 12.01% 11.73% 8.13% 3.99% -1.58%
Cash Return on Invested Capital (CROIC)		 11.85% -1.17% -10.82% -24.62% 1.74% -6.32% 6.59% -11.37% -20.25% 32.17% 11.60%
Operating Return on Assets (OROA)		 0.68% 0.64% 0.23% 0.20% 0.54% 0.72% 1.27% 1.17% 0.82% 0.35% -0.28%
Return on Assets (ROA)		 0.50% 0.48% 0.42% 0.44% 0.42% 0.61% 1.00% 0.97% 0.66% 0.33% -0.13%
Return on Common Equity (ROCE)		 3.38% 4.55% 5.65% 6.30% 5.51% 7.46% 11.97% 11.68% 8.08% 3.98% -1.58%
Return on Equity Simple (ROE_SIMPLE)		 4.14% 5.69% 5.54% 6.24% 4.74% 7.23% 11.34% 11.74% 7.88% 3.97% -1.58%
Net Operating Profit after Tax (NOPAT)		 2.93 3.30 3.42 4.01 4.29 7.05 13 13 9.42 4.83 -2.87
NOPAT Margin		 12.78% 13.48% 13.84% 14.90% 12.93% 18.48% 28.10% 27.54% 21.36% 12.21% -9.39%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% -0.90%
SG&A Expenses to Revenue		 59.88% 61.78% 67.52% 66.14% 59.24% 51.98% 47.74% 47.23% 50.27% 63.24% 89.64%
Operating Expenses to Revenue		 76.67% 78.09% 85.28% 87.54% 77.62% 65.78% 61.75% 61.02% 66.64% 87.05% 113.35%
Earnings before Interest and Taxes (EBIT)		 4.00 4.41 1.87 1.86 5.45 8.34 16 16 12 5.16 -4.09
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 6.07 6.92 4.99 4.71 8.04 13 22 19 15 6.11 -1.58
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 0.85 0.93 0.94 0.71 0.49 0.87 0.99 0.69 0.84 0.70
Price to Tangible Book Value (P/TBV)		 0.90 0.92 1.01 1.02 0.75 0.52 0.91 1.03 0.72 0.93 0.77
Price to Revenue (P/Rev)		 2.07 2.01 2.33 2.25 1.93 1.26 2.16 2.32 1.87 2.59 2.81
Price to Earnings (P/E)		 17.22 15.08 16.48 3.34 17.92 6.90 7.75 8.49 8.89 30.31 0.00
Dividend Yield		 1.28% 1.72% 1.54% 1.71% 1.77% 2.27% 1.67% 1.86% 2.66% 2.32% 2.88%
Earnings Yield		 5.81% 6.63% 6.07% 29.90% 5.58% 14.50% 12.90% 11.78% 11.25% 3.30% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.80 0.76 0.83 0.85 0.77 0.58 0.76 0.86 0.74 0.79 0.68
Enterprise Value to Revenue (EV/Rev)		 4.45 4.13 5.05 6.25 4.60 3.31 3.73 4.67 5.44 4.78 4.69
Enterprise Value to EBITDA (EV/EBITDA)		 16.81 14.60 25.03 35.69 18.96 9.97 7.47 11.66 16.27 30.94 0.00
Enterprise Value to EBIT (EV/EBIT)		 25.48 22.92 66.63 90.59 27.97 15.13 10.37 14.08 20.48 36.66 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 34.78 30.65 36.46 41.92 35.57 17.91 13.27 16.94 25.48 39.18 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 16.16 15.86 18.24 18.71 18.78 2.71 8.24 10.16 15.56 16.88 12.24
Enterprise Value to Free Cash Flow (EV/FCFF)		 6.43 0.00 0.00 0.00 44.18 0.00 11.54 0.00 0.00 2.08 5.47
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.79 1.27 1.43 2.07 1.19 1.24 0.96 1.31 1.71 0.97 0.72
Long-Term Debt to Equity		 0.44 0.55 0.94 1.47 0.92 1.20 0.85 0.77 0.66 0.47 0.36
Financial Leverage		 0.91 1.01 1.35 1.76 1.56 1.22 1.09 1.14 1.52 1.34 0.85
Leverage Ratio		 8.43 10.59 13.53 14.33 13.07 12.32 12.06 12.08 12.36 12.16 11.89
Compound Leverage Factor		 8.43 10.59 31.38 35.19 13.07 12.32 12.06 12.08 12.43 12.16 11.89
Debt to Total Capital		 44.14% 55.90% 58.87% 67.46% 54.42% 55.41% 49.09% 56.64% 63.09% 49.31% 41.88%
Short-Term Debt to Total Capital		 19.45% 31.70% 20.25% 19.69% 12.64% 1.83% 5.75% 23.45% 38.58% 25.45% 20.88%
Long-Term Debt to Total Capital		 24.69% 24.20% 38.62% 47.77% 41.78% 53.58% 43.33% 33.19% 24.51% 23.86% 20.99%
Preferred Equity to Total Capital		 10.19% 0.00% 0.00% 0.00% 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.33% 0.33% 0.22% 0.12% 0.12% 0.12% 0.16% 0.23% 0.23% 0.00% 0.00%
Common Equity to Total Capital		 45.33% 43.78% 40.91% 32.42% 45.46% 44.46% 50.75% 43.14% 36.68% 50.69% 58.12%
Debt to EBITDA		 9.28 10.69 17.84 28.38 13.46 9.59 4.80 7.69 13.92 19.33 -55.98
Net Debt to EBITDA		 6.77 7.45 13.43 22.79 10.96 6.16 3.13 5.83 10.62 14.17 -36.20
Long-Term Debt to EBITDA		 5.19 4.63 11.70 20.10 10.34 9.27 4.24 4.51 5.41 9.35 -28.06
Debt to NOPAT		 19.20 22.43 25.99 33.33 25.26 17.24 8.53 11.18 21.81 24.48 -30.79
Net Debt to NOPAT		 14.00 15.63 19.56 26.77 20.55 11.07 5.56 8.47 16.64 17.94 -19.92
Long-Term Debt to NOPAT		 10.74 9.71 17.05 23.60 19.39 16.67 7.53 6.55 8.47 11.84 -15.44
Noncontrolling Interest Sharing Ratio		 19.11% 10.69% 0.63% 0.45% 0.31% 0.28% 0.30% 0.42% 0.58% 0.31% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 16 -1.52 -15 -43 3.45 -13 14 -27 -59 91 26
Operating Cash Flow to CapEx		 0.00% 0.00% 346.43% 158.19% 225.81% 3,692.39% 2,054.43% 515.24% 784.94% 543.60% 926.75%
Free Cash Flow to Firm to Interest Expense		 5.97 -0.40 -2.44 -4.75 0.26 -1.22 1.91 -2.78 -2.05 2.43 0.81
Operating Cash Flow to Interest Expense		 2.38 1.67 1.09 0.99 0.60 4.29 2.68 2.24 0.54 0.30 0.36
Operating Cash Flow Less CapEx to Interest Expense		 2.38 1.67 0.77 0.37 0.33 4.17 2.55 1.81 0.47 0.24 0.32
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.03 0.04 0.04 0.03 0.03 0.02
Fixed Asset Turnover		 1.64 1.63 1.58 1.46 1.53 1.70 2.03 2.39 2.43 2.11 1.65
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 128 132 151 198 199 219 217 257 326 240 211
Invested Capital Turnover		 0.17 0.19 0.17 0.15 0.17 0.18 0.20 0.20 0.15 0.14 0.14
Increase / (Decrease) in Invested Capital		 -13 4.81 19 47 0.84 20 -1.88 40 68 -86 -29
Enterprise Value (EV)		 102 101 125 168 152 126 166 221 240 189 143
Market Capitalization		 48 49 58 60 64 48 96 110 83 103 86
Book Value per Share		 $13.28 $13.70 $14.44 $14.74 $19.07 $21.52 $18.49 $18.50 $19.59 $19.92 $19.83
Tangible Book Value per Share		 $12.19 $12.58 $13.34 $13.66 $18.09 $20.48 $17.71 $17.72 $18.83 $18.10 $18.14
Total Capital		 128 132 151 198 199 219 217 257 326 240 211
Total Debt		 56 74 89 134 108 121 107 146 206 118 88
Total Long-Term Debt		 31 32 58 95 83 117 94 85 80 57 44
Net Debt		 41 52 67 107 88 78 70 110 157 87 57
Capital Expenditures (CapEx)		 0.00 0.00 1.98 5.68 3.60 1.26 0.98 4.22 1.97 2.06 1.26
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.93
Net Nonoperating Obligations (NNO)		 56 74 89 134 108 121 107 146 206 118 88
Total Depreciation and Amortization (D&A)		 2.06 2.51 3.11 2.85 2.59 4.32 6.22 3.26 3.04 0.95 2.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.67 $0.79 $0.86 $0.97 $0.80 $1.17 $4.14 $4.26 $3.02 $1.08 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 4.35M 4.25M 4.29M 4.39M 4.74M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Adjusted Diluted Earnings per Share		 $0.66 $0.78 $0.83 $0.94 $0.80 $1.17 $4.14 $0.00 $3.02 $1.08 ($0.62)
Adjusted Weighted Average Diluted Shares Outstanding		 4.35M 4.25M 4.29M 4.39M 4.74M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Adjusted Basic & Diluted Earnings per Share		 $0.67 $0.79 $0.86 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.35M 4.25M 4.29M 4.39M 4.74M 4.54M 5.98M 6.03M 6.10M 6.14M 1.38M
Normalized Net Operating Profit after Tax (NOPAT)		 2.93 3.30 3.42 4.06 4.29 7.05 13 13 9.42 4.83 -2.87
Normalized NOPAT Margin		 12.78% 13.48% 13.84% 15.11% 12.93% 18.48% 28.10% 27.54% 21.36% 12.21% -9.39%
Pre Tax Income Margin		 17.45% 18.02% 17.57% 16.93% 16.44% 21.88% 35.95% 33.16% 26.72% 13.05% -13.42%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.51 1.16 0.30 0.21 0.40 0.77 2.13 1.62 0.41 0.14 -0.13
NOPAT to Interest Expense		 1.10 0.87 0.54 0.44 0.32 0.65 1.66 1.34 0.33 0.13 -0.09
EBIT Less CapEx to Interest Expense		 1.51 1.16 -0.02 -0.42 0.14 0.65 2.00 1.18 0.34 0.08 -0.17
NOPAT Less CapEx to Interest Expense		 1.10 0.87 0.23 -0.18 0.05 0.53 1.53 0.91 0.26 0.07 -0.13
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 25.20% 27.74% 25.83% 25.57% 29.05% 20.49% 13.08% 15.96% 23.69% 50.27% -129.85%
Augmented Payout Ratio		 25.20% 80.96% 25.83% 25.57% 29.05% 20.49% 13.08% 15.96% 23.69% 50.27% -129.85%

Quarterly Metrics And Ratios for Pathfinder Bancorp

This table displays calculated financial ratios and metrics derived from Pathfinder Bancorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 6,070,348.00 6,099,571.00 6,100,071.00 6,100,071.00 6,100,071.00 6,100,071.00 6,143,990.00 6,141,465.00 6,168,392.00 6,174,508.00 1,380,283.00
DEI Adjusted Shares Outstanding		 6,070,348.00 6,099,571.00 6,100,071.00 6,100,071.00 6,100,071.00 6,100,071.00 6,143,990.00 6,141,465.00 6,168,392.00 6,174,508.00 1,380,283.00
DEI Earnings Per Adjusted Shares Outstanding		 0.36 0.42 0.36 0.33 -0.76 0.86 0.48 0.01 0.10 -0.90 1.75
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -5.76% -10.74% -3.66% 10.64% 19.43% -63.28% 13.21% -24.07% -2.50% -177.74% -9.05%
EBITDA Growth		 -29.48% -13.49% -31.76% -15.54% -260.12% 65.30% 44.38% -79.10% 128.20% -239.25% -21.22%
EBIT Growth		 -30.07% -21.29% -18.66% -1.04% -308.84% 85.36% 36.69% -98.47% 111.61% -248.19% -20.84%
NOPAT Growth		 -31.27% -27.54% -18.77% 1.87% -284.70% 104.00% 36.86% -98.46% 115.45% -213.42% -18.86%
Net Income Growth		 -31.27% -27.54% -18.77% 1.87% -310.39% 104.00% 36.86% -98.46% 113.56% -205.80% -18.86%
EPS Growth		 -32.69% -29.31% -20.93% 64.06% -41.43% -229.27% 38.24% -55.24% 14.63% -124.53% -19.15%
Operating Cash Flow Growth		 -0.82% -12.02% -91.66% 136.66% 132.20% -131.50% 1,030.36% -346.18% -40.48% 200.53% -104.23%
Free Cash Flow Firm Growth		 -1,598.28% -80.69% -25.41% 10.85% 99.25% 238.69% 300.62% 247.48% 10,487.29% -74.81% -77.52%
Invested Capital Growth		 25.51% 26.60% 20.18% 19.70% -1.44% -26.43% -31.15% -23.36% -15.10% -12.09% -9.30%
Revenue Q/Q Growth		 16.45% 3.38% -4.26% -4.00% 25.70% -68.21% 195.13% -35.61% 61.41% -125.35% 445.29%
EBITDA Q/Q Growth		 4.84% 1.70% -13.75% -8.15% -298.75% 204.99% -24.67% -86.70% 168.15% -618.39% 142.62%
EBIT Q/Q Growth		 10.66% 11.90% -12.31% -8.86% -333.52% 199.33% -35.34% -98.98% 1,668.42% -1,368.01% 134.54%
NOPAT Q/Q Growth		 11.09% 17.50% -15.71% -7.41% -301.41% 229.78% -43.45% -98.96% 1,919.35% -1,052.83% 140.45%
Net Income Q/Q Growth		 11.09% 17.50% -15.71% -7.41% -329.42% 213.93% -43.45% -98.96% 1,919.35% -988.82% 143.37%
EPS Q/Q Growth		 9.38% 17.14% -17.07% 54.41% -60.95% -358.54% 188.68% -42.68% 0.00% -606.38% 131.93%
Operating Cash Flow Q/Q Growth		 223.16% 65.27% -94.02% 201.19% 680.11% -122.42% 314.58% -165.60% 288.60% -62.13% -109.03%
Free Cash Flow Firm Q/Q Growth		 14.78% -32.76% 29.38% -11.59% 99.28% 24,708.13% 2.15% -17.97% -49.63% -40.33% -8.83%
Invested Capital Q/Q Growth		 -6.86% 27.79% -10.97% 12.96% -23.32% -4.61% -16.68% 25.75% -15.05% -1.23% -14.03%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.82% 30.32% 27.31% 26.13% -41.32% 136.47% 34.84% 7.19% 11.95% 0.00% 30.17%
EBIT Margin		 24.63% 26.67% 24.42% 23.19% -43.08% 134.60% 29.49% 0.47% 5.13% 0.00% 25.67%
Profit (Net Income) Margin		 19.50% 22.16% 19.51% 18.82% -34.35% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04%
Tax Burden Percent		 79.29% 81.38% 80.33% 80.71% 79.74% 91.45% 79.99% 81.58% 93.15% 65.30% 81.99%
Interest Burden Percent		 99.82% 102.13% 99.45% 100.56% 100.00% 100.02% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 20.71% 18.62% 19.67% 19.29% 0.00% 8.56% 20.01% 18.42% 6.85% 0.00% 18.01%
Return on Invested Capital (ROIC)		 3.87% 3.35% 3.21% 2.80% -5.59% 17.22% 3.95% 0.05% 0.78% 0.00% 3.25%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.87% 3.35% 3.21% 2.80% -6.00% 17.22% 3.95% 0.05% 0.78% 0.00% 3.25%
Return on Net Nonoperating Assets (RNNOA)		 4.11% 5.08% 4.05% 4.25% -6.90% 23.05% 3.87% 0.07% 0.69% 0.00% 1.73%
Return on Equity (ROE)		 7.99% 8.43% 7.25% 7.05% -12.49% 40.27% 7.82% 0.12% 1.47% 0.00% 4.97%
Cash Return on Invested Capital (CROIC)		 -18.08% -20.25% -14.97% -14.96% 2.30% 32.17% 39.20% 27.71% 20.16% 11.60% 7.96%
Operating Return on Assets (OROA)		 0.80% 0.82% 0.75% 0.73% -1.40% 3.62% 0.82% 0.01% 0.13% 0.00% 0.52%
Return on Assets (ROA)		 0.63% 0.68% 0.60% 0.59% -1.12% 3.31% 0.66% 0.01% 0.12% 0.00% 0.42%
Return on Common Equity (ROCE)		 7.94% 8.38% 7.21% 7.01% -12.41% 40.14% 7.79% 0.12% 1.47% 0.00% 4.97%
Return on Equity Simple (ROE_SIMPLE)		 9.14% 0.00% 7.32% 7.26% 1.79% 0.00% 4.51% 2.93% 7.04% 0.00% -2.02%
Net Operating Profit after Tax (NOPAT)		 2.19 2.58 2.17 2.01 -4.05 5.26 2.97 0.03 0.63 -5.96 2.41
NOPAT Margin		 19.50% 22.16% 19.51% 18.82% -30.15% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.42% 0.00% 0.00% 0.00% 0.00% -0.39% 0.00%
SG&A Expenses to Revenue		 50.20% 44.66% 51.88% 55.93% 51.57% 147.85% 52.38% 80.06% 54.42% 0.00% 61.10%
Operating Expenses to Revenue		 68.28% 60.29% 69.19% 73.97% 76.34% 200.00% 66.89% 99.30% 68.21% 0.00% 75.80%
Earnings before Interest and Taxes (EBIT)		 2.77 3.10 2.72 2.48 -5.79 5.75 3.72 0.04 0.67 -8.52 2.94
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.47 3.53 3.04 2.79 -5.55 5.83 4.39 0.58 1.57 -8.12 3.46
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.71 0.69 0.60 0.63 0.78 0.84 0.78 0.75 0.76 0.70 0.64
Price to Tangible Book Value (P/TBV)		 0.74 0.72 0.62 0.66 0.86 0.93 0.86 0.82 0.83 0.77 0.70
Price to Revenue (P/Rev)		 1.78 1.87 1.67 1.74 1.99 2.59 2.38 2.43 2.52 2.81 2.70
Price to Earnings (P/E)		 7.87 8.89 8.28 8.82 46.49 30.31 23.04 41.27 12.74 0.00 0.00
Dividend Yield		 2.70% 2.66% 3.01% 2.90% 2.48% 2.32% 2.52% 2.62% 2.57% 2.88% 3.16%
Earnings Yield		 12.71% 11.25% 12.07% 11.34% 2.15% 3.30% 4.34% 2.42% 7.85% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.74 0.73 0.76 0.75 0.79 0.61 0.75 0.67 0.68 0.54
Enterprise Value to Revenue (EV/Rev)		 4.34 5.44 4.85 5.60 4.03 4.78 2.95 4.91 3.74 4.69 3.32
Enterprise Value to EBITDA (EV/EBITDA)		 12.90 16.27 15.89 19.51 49.66 30.94 16.21 35.94 11.51 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 15.73 20.48 19.10 22.61 75.32 36.66 19.64 50.79 14.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 19.00 25.48 23.77 27.95 88.13 39.18 21.49 51.75 16.02 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.91 15.56 21.43 16.10 8.49 16.88 7.37 16.94 22.42 12.24 17.01
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 32.47 2.08 1.26 2.35 3.04 5.47 6.44
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.23 1.71 1.37 1.64 1.07 0.97 0.60 1.02 0.69 0.72 0.47
Long-Term Debt to Equity		 0.73 0.66 0.62 0.61 0.58 0.47 0.38 0.41 0.39 0.36 0.34
Financial Leverage		 1.06 1.52 1.26 1.52 1.15 1.34 0.98 1.33 0.88 0.85 0.53
Leverage Ratio		 12.59 12.36 12.16 11.90 12.24 12.16 11.91 11.87 11.94 11.89 11.74
Compound Leverage Factor		 12.57 12.62 12.09 11.96 12.24 12.17 11.91 11.87 11.94 11.89 11.74
Debt to Total Capital		 55.11% 63.09% 57.72% 62.10% 51.80% 49.31% 37.45% 50.45% 40.77% 41.88% 31.76%
Short-Term Debt to Total Capital		 22.24% 38.58% 31.57% 38.94% 24.01% 25.45% 13.52% 30.07% 17.82% 20.88% 8.28%
Long-Term Debt to Total Capital		 32.87% 24.51% 26.14% 23.16% 27.79% 23.86% 23.93% 20.38% 22.95% 20.99% 23.48%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.26% 0.23% 0.28% 0.25% 0.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 44.63% 36.68% 42.00% 37.65% 47.86% 50.69% 62.55% 49.55% 59.23% 58.12% 68.24%
Debt to EBITDA		 9.18 13.92 12.54 15.86 34.16 19.33 10.02 24.12 7.03 -55.98 -22.94
Net Debt to EBITDA		 7.58 10.62 10.35 13.38 24.89 14.17 3.12 18.12 3.75 -36.20 -7.32
Long-Term Debt to EBITDA		 5.47 5.41 5.68 5.91 18.33 9.35 6.40 9.74 3.96 -28.06 -16.96
Debt to NOPAT		 13.51 21.81 18.77 22.71 60.62 24.48 13.29 34.73 9.78 -30.79 -16.88
Net Debt to NOPAT		 11.15 16.64 15.49 19.16 44.16 17.94 4.14 26.10 5.22 -19.92 -5.39
Long-Term Debt to NOPAT		 8.05 8.47 8.50 8.47 32.52 11.84 8.49 14.03 5.51 -15.44 -12.48
Noncontrolling Interest Sharing Ratio		 0.52% 0.58% 0.63% 0.62% 0.65% 0.31% 0.33% 0.33% 0.35% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -50 -66 -47 -52 -0.37 91 93 77 39 23 21
Operating Cash Flow to CapEx		 505.95% 2,847.64% 219.13% 172.30% 2,321.96% -602.04% 894.35% -1,668.30% 5,593.65% 977.66% -97.18%
Free Cash Flow to Firm to Interest Expense		 -6.52 -7.19 -5.05 -5.44 -0.04 9.99 11.62 9.15 4.74 2.96 2.93
Operating Cash Flow to Interest Expense		 0.67 0.92 0.05 0.16 1.25 -0.29 0.71 -0.45 0.87 0.34 -0.03
Operating Cash Flow Less CapEx to Interest Expense		 0.54 0.89 0.03 0.07 1.20 -0.34 0.63 -0.47 0.85 0.31 -0.07
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02
Fixed Asset Turnover		 2.25 2.43 2.43 2.44 2.50 2.11 2.18 2.03 2.02 1.65 1.58
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 255 326 290 328 251 240 200 251 213 211 181
Invested Capital Turnover		 0.20 0.15 0.16 0.15 0.19 0.14 0.17 0.13 0.16 0.14 0.15
Increase / (Decrease) in Invested Capital		 52 68 49 54 -3.68 -86 -90 -77 -38 -29 -19
Enterprise Value (EV)		 198 240 212 250 189 189 121 189 142 143 98
Market Capitalization		 81 83 73 78 94 103 98 94 96 86 79
Book Value per Share		 $18.74 $19.59 $19.97 $20.22 $19.71 $19.92 $20.47 $20.26 $20.48 $19.83 $19.75
Tangible Book Value per Share		 $17.98 $18.83 $19.21 $19.46 $17.75 $18.10 $18.69 $18.51 $18.77 $18.14 $18.11
Total Capital		 255 326 290 328 251 240 200 251 213 211 181
Total Debt		 140 206 167 203 130 118 75 127 87 88 58
Total Long-Term Debt		 84 80 76 76 70 57 48 51 49 44 43
Net Debt		 116 157 138 172 95 87 23 95 46 57 18
Capital Expenditures (CapEx)		 1.01 0.30 0.23 0.88 0.51 0.44 0.64 0.22 0.13 0.27 0.25
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.56 0.00 0.00 0.00 0.00 -0.40 0.00
Net Nonoperating Obligations (NNO)		 140 206 167 203 130 118 75 127 87 88 58
Total Depreciation and Amortization (D&A)		 0.70 0.43 0.32 0.32 0.24 0.08 0.67 0.55 0.89 0.40 0.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.70 $0.82 $0.68 $0.64 ($1.50) $0.00 $0.96 $0.00 $0.20 $0.00 $0.76
Adjusted Weighted Average Basic Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Adjusted Diluted Earnings per Share		 $0.70 $0.82 $0.68 $0.64 ($1.50) ($1.06) $0.82 $0.47 $0.47 ($2.38) $0.76
Adjusted Weighted Average Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M
Normalized Net Operating Profit after Tax (NOPAT)		 2.19 2.58 2.17 2.01 -4.05 5.26 2.97 0.03 0.63 -5.96 2.41
Normalized NOPAT Margin		 19.50% 22.16% 19.51% 18.82% -30.15% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04%
Pre Tax Income Margin		 24.59% 27.23% 24.29% 23.32% -43.08% 134.62% 29.49% 0.47% 5.13% 0.00% 25.67%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.36 0.34 0.30 0.26 -0.61 0.63 0.46 0.00 0.08 -1.09 0.41
NOPAT to Interest Expense		 0.29 0.28 0.24 0.21 -0.43 0.57 0.37 0.00 0.08 -0.77 0.34
EBIT Less CapEx to Interest Expense		 0.23 0.31 0.27 0.17 -0.67 0.58 0.38 -0.02 0.07 -1.13 0.38
NOPAT Less CapEx to Interest Expense		 0.16 0.25 0.21 0.12 -0.48 0.53 0.29 -0.02 0.06 -0.80 0.30
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 21.37% 23.69% 25.09% 25.72% 110.25% 50.27% 44.27% 68.39% 28.14% -129.85% -100.88%
Augmented Payout Ratio		 21.37% 23.69% 25.09% 25.72% 110.25% 50.27% 44.27% 68.39% 28.14% -129.85% -100.88%

Financials Breakdown Chart

Key Financial Trends

Pathfinder Bancorp (NASDAQ: PBHC) had a much stronger start to fiscal 2026 than it did in late 2025, but the company’s operating performance still looks uneven. Q1 2026 produced solid net income and a healthier cash balance, yet operating cash flow was negative and the bank continues to show pressure from deposit costs, debt service, and volatile non-interest income.

  • Q1 2026 returned to profitability. Net income was $2.4 million, up sharply from a loss of $5.6 million in Q4 2025.
  • Interest income and fee income stabilized versus the prior quarter. Total revenue rose to $11.5 million in Q1 2026 from a distorted/weak Q4 2025 result, indicating an earnings rebound.
  • Non-interest income improved quarter over quarter. The company generated $1.1 million of non-interest income in Q1 2026, helped by other service charges and realized gains on investments.
  • Liquidity improved meaningfully. Cash and equivalents increased, and the company posted a $8.0 million increase in cash during Q1 2026.
  • Investment activity supported funding. Sales and maturities of investments generated $31.9 million in Q1 2026, helping offset borrowing and funding needs.
  • Loan balances were broadly steady. Net loans and leases rose only modestly from $879.9 million at the end of Q3 2025 to $866.2 million at the end of Q1 2026, suggesting a relatively stable core loan book.
  • Shares outstanding remained stable. Weighted average diluted shares were unchanged at 6.26 million in Q1 2026, limiting dilution concerns.
  • Operating cash flow was negative in Q1 2026. Net cash from operating activities came in at negative $241,000, despite reported net income.
  • Funding costs remain high. Cash interest paid was $7.1 million in Q1 2026, still a heavy burden on profitability.
  • Debt reduction pressured financing cash flow. The company recorded $29.0 million of debt repayment in Q1 2026, contributing to negative $3.0 million in net financing cash flow.

Looking at the broader trend, PBHC’s earnings have been volatile over the last year. The bank was profitable in most quarters of 2024 and early 2025, but earnings weakened sharply in Q3 and Q4 2025 before recovering in Q1 2026. That pattern suggests the business is sensitive to changes in interest expense, provision levels, and non-interest income.

One of the key positives is that the balance sheet remains sizeable relative to equity, with $1.42 billion in assets and $123.6 million in common equity at the end of Q1 2026. However, leverage is still substantial, and the bank carries a large deposit base and meaningful debt balances, which can pressure margins when funding costs rise.

For retail investors, the takeaway is that Pathfinder Bancorp is showing signs of stabilization, but it is not yet a clean, consistent compounder. Improved profitability in Q1 2026 is encouraging, but the negative operating cash flow and ongoing reliance on investment activity and debt management suggest the recovery is still fragile.

08/05/26 07:19 PM ETAI Generated. May Contain Errors.

Pathfinder Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Pathfinder Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Pathfinder Bancorp's net income appears to be on an upward trend, with a most recent value of -$1.93 million in 2025, falling from $2.80 million in 2014. The previous period was $4.83 million in 2024. View Pathfinder Bancorp's forecast to see where analysts expect Pathfinder Bancorp to go next.

Over the last 10 years, Pathfinder Bancorp's total revenue changed from $20.84 million in 2014 to $30.51 million in 2025, a change of 46.4%.

Pathfinder Bancorp's total liabilities were at $1.30 billion at the end of 2025, a 3.6% decrease from 2024, and a 136.3% increase since 2015.

In the past 10 years, Pathfinder Bancorp's cash and equivalents has ranged from $6.97 million in 2016 to $14.91 million in 2020, and is currently $11.52 million as of their latest financial filing in 2025.

Over the last 10 years, Pathfinder Bancorp's book value per share changed from 13.28 in 2015 to 19.83 in 2025, a change of 49.3%.


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Financial statements for NASDAQ:PBHC last updated on 7/16/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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