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Pathfinder Bancorp (PBHC) Financials

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$16.98 +0.28 (+1.65%)
As of 03:23 PM Eastern
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41 2.67
Consolidated Net Income / (Loss)		 2.58 2.17 2.01 -4.62 5.26 2.97 0.03 0.63 -5.56 2.41 2.67
Net Income / (Loss) Continuing Operations		 2.58 2.17 2.01 -4.62 5.26 2.97 0.03 0.63 -5.56 2.41 2.67
Total Pre-Tax Income 		3.17 2.71 2.49 -5.79 5.75 3.72 0.04 0.67 -8.52 2.94 3.25
Total Revenue		 12 11 11 13 4.27 13 9.30 13 -3.32 11 12
Net Interest Income / (Expense)		 9.16 9.40 9.48 12 10 11 11 12 11 10 11
Total Interest Income		 18 19 19 21 20 19 19 20 18 18 18
Loans and Leases Interest Income		 14 12 12 14 2.42 14 13 14 -2.25 12 13
Investment Securities Interest Income		 5.90 6.23 6.49 6.28 5.96 5.68 6.01 5.81 5.24 4.98 5.38
Federal Funds Sold and Securities Borrowed Interest Income		 0.07 0.10 0.12 0.49 0.08 0.09 0.07 0.13 0.16 0.16 0.12
Total Interest Expense		 9.17 9.21 9.54 9.47 9.15 8.03 8.37 8.14 7.78 7.16 7.53
Deposits Interest Expense		 7.38 7.41 7.63 7.63 7.82 6.95 7.32 6.96 6.77 6.13 6.18
Short-Term Borrowings Interest Expense		 1.06 1.11 1.23 1.14 0.70 0.55 0.50 0.57 0.37 0.27 0.60
Long-Term Debt Interest Expense		 0.73 0.69 0.69 0.70 0.63 0.54 0.56 0.61 0.65 0.76 0.75
Total Non-Interest Income		 1.32 1.74 1.21 1.71 4.91 1.20 -1.52 1.50 1.31 1.13 1.22
Service Charges on Deposit Accounts		 0.30 0.40 0.26 0.37 0.05 0.00 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 0.85
Net Realized & Unrealized Capital Gains on Investments		 -0.05 -0.02 -0.08 -0.05 3.62 0.28 0.50 0.25 0.65 0.26 0.04
Other Non-Interest Income		 2.70 0.16 0.17 0.36 0.17 0.16 -2.91 0.29 -0.17 0.05 0.33
Provision for Credit Losses		 1.52 0.71 0.30 8.97 -10 0.46 1.20 3.49 -3.95 -0.17 -0.16
Total Non-Interest Expense		 7.01 7.71 7.91 10 8.54 8.43 8.06 8.94 9.15 8.69 8.66
Salaries and Employee Benefits		 3.68 4.33 4.40 4.96 4.12 4.45 4.53 5.01 4.92 4.86 4.65
Net Occupancy & Equipment Expense		 1.36 1.34 1.46 1.81 1.98 2.01 1.90 2.04 2.04 2.06 2.15
Marketing Expense		 0.16 0.11 0.12 0.17 0.22 0.14 0.08 0.09 0.16 0.09 0.07
Property & Liability Insurance Claims		 0.22 0.23 0.23 0.23 0.23 0.23 0.00 0.17 0.20 0.20 0.23
Other Operating Expenses		 1.63 1.70 1.76 2.97 1.78 1.44 1.41 1.48 1.68 1.33 1.40
Amortization Expense		 - 0.00 0.01 0.13 0.16 0.16 0.16 0.16 0.16 0.16 0.16
Income Tax Expense		 0.59 0.53 0.48 -1.17 0.49 0.74 0.01 0.05 -2.96 0.53 0.59
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.04 0.05 0.01 0.03 1.35 0.00 0.00 0.00 - 0.00 0.00
Basic Earnings per Share		 $0.82 $0.68 $0.64 ($1.50) - $0.96 $0.00 $0.20 - $0.76 $0.84
Weighted Average Basic Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
Diluted Earnings per Share		 $0.82 $0.68 $1.05 $0.41 ($1.06) $0.94 $0.00 $0.47 ($2.38) $0.76 $0.84
Weighted Average Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
Weighted Average Basic & Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
Cash Dividends to Common per Share		 $0.09 $0.10 $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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 24 -20 2.60 3.51 -3.75 20 -20 9.10 -9.40 7.99 -13
Net Cash From Operating Activities		 8.43 0.50 1.52 12 -2.66 5.70 -3.74 7.05 2.67 -0.24 2.35
Net Cash From Continuing Operating Activities		 8.43 0.50 1.52 12 -2.66 5.70 -3.74 7.05 2.67 -0.24 2.35
Net Income / (Loss) Continuing Operations		 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41 2.67
Consolidated Net Income / (Loss)		 2.54 2.12 2.00 -4.64 3.91 2.97 0.03 0.63 -5.56 2.41 2.67
Provision For Loan Losses		 0.27 0.73 0.29 8.97 0.99 0.46 1.20 3.49 11 -0.17 -0.16
Depreciation Expense		 0.35 0.34 0.34 0.38 0.30 0.41 0.41 0.41 0.14 0.37 0.38
Amortization Expense		 0.08 -0.02 -0.02 -0.14 -0.22 0.26 0.14 0.48 0.26 0.14 0.07
Non-Cash Adjustments to Reconcile Net Income		 -0.33 -0.04 0.03 0.59 -2.49 -0.20 -3.45 2.98 -4.09 -0.07 0.00
Changes in Operating Assets and Liabilities, net		 5.53 -2.62 -1.12 6.69 -5.14 1.79 -2.06 -0.94 0.72 -2.94 -0.61
Net Cash From Investing Activities		 -41 -7.40 11 -29 3.80 -1.87 -25 39 28 11 -84
Net Cash From Continuing Investing Activities		 -41 -7.40 11 -29 3.80 -1.87 -25 39 28 11 -84
Purchase of Property, Leasehold Improvements and Equipment		 -0.30 -0.23 -0.88 -0.51 -0.44 -0.64 -0.22 -0.13 -0.27 -0.25 -0.17
Purchase of Investment Securities		 -58 -41 -21 -70 -39 -27 -49 4.85 -2.75 -20 -120
Sale and/or Maturity of Investments		 18 34 32 41 43 26 24 34 31 32 37
Net Cash From Financing Activities		 57 -13 -9.45 21 -4.89 16 8.89 -37 -40 -3.01 68
Net Cash From Continuing Financing Activities		 57 -13 -9.45 21 -4.89 16 8.89 -37 -40 -3.01 68
Net Change in Deposits		 -7.79 26 -45 95 8.31 60 -43 3.19 -41 28 -37
Issuance of Debt		 1.50 -34 34 11 - 0.00 42 2.83 - -1.70 1.70
Repayment of Debt		 63 -4.05 1.90 -84 -12 -43 9.79 -43 1.37 -29 104
Payment of Dividends		 -0.56 -0.56 -0.62 -0.62 -0.62 -0.63 -0.63 -0.63 -0.63 -0.63 -0.64
Other Financing Activities, Net		 0.09 0.06 0.01 0.03 -0.57 0.18 0.26 0.09 0.13 0.45 0.25
Cash Interest Paid		 8.66 9.49 9.41 11 8.40 7.73 8.40 7.82 8.49 7.14 7.51

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 Q2 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 6/30/2026
Total Assets		 1,401 1,454 1,446 1,483 1,495 1,505 1,472 1,422 1,493
Cash and Due from Banks		 13 14 12 19 19 16 19 14 11
Interest Bearing Deposits at Other Banks		 12 16 20 16 33 15 21 25 15
Trading Account Securities		 395 455 445 437 444 464 442 407 489
Loans and Leases, Net of Allowance		 880 875 871 904 895 894 880 866 862
Loans and Leases		 896 892 888 922 912 910 899 895 889
Allowance for Loan and Lease Losses		 16 17 17 17 17 16 19 29 27
Premises and Equipment, Net		 18 18 19 19 19 19 19 18 18
Goodwill		 4.54 4.54 4.54 5.75 5.06 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 5.05
Other Assets		 77 72 74 75 75 83 80 81 87
Total Liabilities & Shareholders' Equity		 1,401 1,454 1,446 1,483 1,495 1,505 1,472 1,422 1,493
Total Liabilities		 1,286 1,331 1,322 1,362 1,370 1,381 1,346 1,298 1,367
Non-Interest Bearing Deposits		 175 176 169 210 203 192 196 207 214
Interest Bearing Deposits		 953 970 932 986 1,061 1,030 1,029 1,005 961
Short-Term Debt		 57 92 128 60 27 76 38 15 125
Accrued Interest Payable		 1.73 1.96 2.09 0.24 0.84 0.81 1.13 0.45 0.47
Long-Term Debt		 84 76 76 70 48 51 49 43 39
Other Long-Term Liabilities		 16 16 15 35 30 31 33 29 28
Total Equity & Noncontrolling Interests		 114 123 124 121 125 124 126 124 126
Total Preferred & Common Equity		 114 122 123 120 125 124 126 124 126
Total Common Equity		 114 122 123 120 125 124 126 124 126
Common Stock		 53 53 53 53 53 54 54 55 56
Retained Earnings		 74 78 79 74 80 80 80 75 77
Accumulated Other Comprehensive Income / (Loss)		 -13 -8.86 -8.79 -6.72 -8.43 -8.86 -7.26 -6.72 -7.12

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 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 6,256,496.00
DEI Adjusted Shares Outstanding		 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 6,256,496.00
DEI Earnings Per Adjusted Shares Outstanding		 0.42 0.36 0.33 -0.76 0.86 0.48 0.01 0.10 -0.90 1.75 0.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -10.74% -3.66% 10.64% 19.43% -63.28% 13.21% -24.07% -2.50% -177.74% -9.05% 26.51%
EBITDA Growth		 -13.49% -31.76% -15.54% -260.12% 65.30% 44.38% -79.10% 128.20% -239.25% -21.22% 533.05%
EBIT Growth		 -21.29% -18.66% -1.04% -308.84% 85.36% 36.69% -98.47% 111.61% -248.19% -20.84% 8,460.53%
NOPAT Growth		 -27.54% -18.77% 1.87% -284.70% 104.00% 36.86% -98.46% 115.45% -213.42% -18.86% 8,506.45%
Net Income Growth		 -27.54% -18.77% 1.87% -310.39% 104.00% 36.86% -98.46% 113.56% -205.80% -18.86% 8,506.45%
EPS Growth		 -29.31% -20.93% 64.06% -41.43% -229.27% 38.24% -55.24% 14.63% -124.53% -19.15% 0.00%
Operating Cash Flow Growth		 -12.02% -91.66% 136.66% 132.20% -131.50% 1,030.36% -346.18% -40.48% 200.53% -104.23% 162.78%
Free Cash Flow Firm Growth		 -80.69% -25.41% 10.85% 99.25% 238.69% 300.62% 247.48% 10,487.29% -74.81% -77.52% -146.38%
Invested Capital Growth		 26.60% 20.18% 19.70% -1.44% -26.43% -31.15% -23.36% -15.10% -12.09% -9.30% 15.20%
Revenue Q/Q Growth		 3.38% -4.26% -4.00% 25.70% -68.21% 195.13% -35.61% 61.41% -125.35% 445.29% 2.56%
EBITDA Q/Q Growth		 1.70% -13.75% -8.15% -298.75% 204.99% -24.67% -86.70% 168.15% -618.39% 142.62% 6.85%
EBIT Q/Q Growth		 11.90% -12.31% -8.86% -333.52% 199.33% -35.34% -98.98% 1,668.42% -1,368.01% 134.54% 10.53%
NOPAT Q/Q Growth		 17.50% -15.71% -7.41% -301.41% 229.78% -43.45% -98.96% 1,919.35% -1,052.83% 140.45% 10.57%
Net Income Q/Q Growth		 17.50% -15.71% -7.41% -329.42% 213.93% -43.45% -98.96% 1,919.35% -988.82% 143.37% 10.57%
EPS Q/Q Growth		 17.14% -17.07% 54.41% -60.95% -358.54% 188.68% -42.68% 0.00% -606.38% 131.93% 10.53%
Operating Cash Flow Q/Q Growth		 65.27% -94.02% 201.19% 680.11% -122.42% 314.58% -165.60% 288.60% -62.13% -109.03% 1,073.44%
Free Cash Flow Firm Q/Q Growth		 -32.76% 29.38% -11.59% 99.28% 24,708.13% 2.15% -17.97% -49.63% -40.33% -8.83% -269.24%
Invested Capital Q/Q Growth		 27.79% -10.97% 12.96% -23.32% -4.61% -16.68% 25.75% -15.05% -1.23% -14.03% 59.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.32% 27.31% 26.13% -41.32% 136.47% 34.84% 7.19% 11.95% 0.00% 30.17% 31.44%
EBIT Margin		 26.67% 24.42% 23.19% -43.08% 134.60% 29.49% 0.47% 5.13% 0.00% 25.67% 27.66%
Profit (Net Income) Margin		 22.16% 19.51% 18.82% -34.35% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04% 22.69%
Tax Burden Percent		 81.38% 80.33% 80.71% 79.74% 91.45% 79.99% 81.58% 93.15% 65.30% 81.99% 82.02%
Interest Burden Percent		 102.13% 99.45% 100.56% 100.00% 100.02% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 18.62% 19.67% 19.29% 0.00% 8.56% 20.01% 18.42% 6.85% 0.00% 18.01% 17.98%
Return on Invested Capital (ROIC)		 3.35% 3.21% 2.80% -5.59% 17.22% 3.95% 0.05% 0.78% 0.00% 3.25% 2.67%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.35% 3.21% 2.80% -6.00% 17.22% 3.95% 0.05% 0.78% 0.00% 3.25% 2.67%
Return on Net Nonoperating Assets (RNNOA)		 5.08% 4.05% 4.25% -6.90% 23.05% 3.87% 0.07% 0.69% 0.00% 1.73% 3.10%
Return on Equity (ROE)		 8.43% 7.25% 7.05% -12.49% 40.27% 7.82% 0.12% 1.47% 0.00% 4.97% 5.77%
Cash Return on Invested Capital (CROIC)		 -20.25% -14.97% -14.96% 2.30% 32.17% 39.20% 27.71% 20.16% 11.60% 7.96% -14.56%
Operating Return on Assets (OROA)		 0.82% 0.75% 0.73% -1.40% 3.62% 0.82% 0.01% 0.13% 0.00% 0.52% 0.59%
Return on Assets (ROA)		 0.68% 0.60% 0.59% -1.12% 3.31% 0.66% 0.01% 0.12% 0.00% 0.42% 0.48%
Return on Common Equity (ROCE)		 8.38% 7.21% 7.01% -12.41% 40.14% 7.79% 0.12% 1.47% 0.00% 4.97% 5.77%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.32% 7.26% 1.79% 0.00% 4.51% 2.93% 7.04% 0.00% -2.02% 0.11%
Net Operating Profit after Tax (NOPAT)		 2.58 2.17 2.01 -4.05 5.26 2.97 0.03 0.63 -5.96 2.41 2.67
NOPAT Margin		 22.16% 19.51% 18.82% -30.15% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04% 22.69%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.42% 0.00% 0.00% 0.00% 0.00% -0.39% 0.00% 0.00%
SG&A Expenses to Revenue		 44.66% 51.88% 55.93% 51.57% 147.85% 52.38% 80.06% 54.42% 0.00% 61.10% 58.44%
Operating Expenses to Revenue		 60.29% 69.19% 73.97% 76.34% 200.00% 66.89% 99.30% 68.21% 0.00% 75.80% 73.66%
Earnings before Interest and Taxes (EBIT)		 3.10 2.72 2.48 -5.79 5.75 3.72 0.04 0.67 -8.52 2.94 3.25
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.53 3.04 2.79 -5.55 5.83 4.39 0.58 1.57 -8.12 3.46 3.70
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.69 0.60 0.63 0.78 0.84 0.78 0.75 0.76 0.70 0.64 0.79
Price to Tangible Book Value (P/TBV)		 0.72 0.62 0.66 0.86 0.93 0.86 0.82 0.83 0.77 0.70 0.85
Price to Revenue (P/Rev)		 1.87 1.67 1.74 1.99 2.59 2.38 2.43 2.52 2.81 2.70 3.10
Price to Earnings (P/E)		 8.89 8.28 8.82 46.49 30.31 23.04 41.27 12.74 0.00 0.00 690.48
Dividend Yield		 2.66% 3.01% 2.90% 2.48% 2.32% 2.52% 2.62% 2.57% 2.88% 3.16% 0.00%
Earnings Yield		 11.25% 12.07% 11.34% 2.15% 3.30% 4.34% 2.42% 7.85% 0.00% 0.00% 0.14%
Enterprise Value to Invested Capital (EV/IC)		 0.74 0.73 0.76 0.75 0.79 0.61 0.75 0.67 0.68 0.54 0.82
Enterprise Value to Revenue (EV/Rev)		 5.44 4.85 5.60 4.03 4.78 2.95 4.91 3.74 4.69 3.32 7.42
Enterprise Value to EBITDA (EV/EBITDA)		 16.27 15.89 19.51 49.66 30.94 16.21 35.94 11.51 0.00 0.00 390.44
Enterprise Value to EBIT (EV/EBIT)		 20.48 19.10 22.61 75.32 36.66 19.64 50.79 14.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 25.48 23.77 27.95 88.13 39.18 21.49 51.75 16.02 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.56 21.43 16.10 8.49 16.88 7.37 16.94 22.42 12.24 17.01 19.98
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 32.47 2.08 1.26 2.35 3.04 5.47 6.44 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.71 1.37 1.64 1.07 0.97 0.60 1.02 0.69 0.72 0.47 1.30
Long-Term Debt to Equity		 0.66 0.62 0.61 0.58 0.47 0.38 0.41 0.39 0.36 0.34 0.31
Financial Leverage		 1.52 1.26 1.52 1.15 1.34 0.98 1.33 0.88 0.85 0.53 1.16
Leverage Ratio		 12.36 12.16 11.90 12.24 12.16 11.91 11.87 11.94 11.89 11.74 11.98
Compound Leverage Factor		 12.62 12.09 11.96 12.24 12.17 11.91 11.87 11.94 11.89 11.74 11.98
Debt to Total Capital		 63.09% 57.72% 62.10% 51.80% 49.31% 37.45% 50.45% 40.77% 41.88% 31.76% 56.53%
Short-Term Debt to Total Capital		 38.58% 31.57% 38.94% 24.01% 25.45% 13.52% 30.07% 17.82% 20.88% 8.28% 43.21%
Long-Term Debt to Total Capital		 24.51% 26.14% 23.16% 27.79% 23.86% 23.93% 20.38% 22.95% 20.99% 23.48% 13.32%
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		 0.23% 0.28% 0.25% 0.34% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 36.68% 42.00% 37.65% 47.86% 50.69% 62.55% 49.55% 59.23% 58.12% 68.24% 43.47%
Debt to EBITDA		 13.92 12.54 15.86 34.16 19.33 10.02 24.12 7.03 -55.98 -22.94 270.30
Net Debt to EBITDA		 10.62 10.35 13.38 24.89 14.17 3.12 18.12 3.75 -36.20 -7.32 227.24
Long-Term Debt to EBITDA		 5.41 5.68 5.91 18.33 9.35 6.40 9.74 3.96 -28.06 -16.96 63.68
Debt to NOPAT		 21.81 18.77 22.71 60.62 24.48 13.29 34.73 9.78 -30.79 -16.88 -141.33
Net Debt to NOPAT		 16.64 15.49 19.16 44.16 17.94 4.14 26.10 5.22 -19.92 -5.39 -118.81
Long-Term Debt to NOPAT		 8.47 8.50 8.47 32.52 11.84 8.49 14.03 5.51 -15.44 -12.48 -33.30
Noncontrolling Interest Sharing Ratio		 0.58% 0.63% 0.62% 0.65% 0.31% 0.33% 0.33% 0.35% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -66 -47 -52 -0.37 91 93 77 39 23 21 -36
Operating Cash Flow to CapEx		 2,847.64% 219.13% 172.30% 2,321.96% -602.04% 894.35% -1,668.30% 5,593.65% 977.66% -97.18% 1,421.82%
Free Cash Flow to Firm to Interest Expense		 -7.19 -5.05 -5.44 -0.04 9.99 11.62 9.15 4.74 2.96 2.93 -4.71
Operating Cash Flow to Interest Expense		 0.92 0.05 0.16 1.25 -0.29 0.71 -0.45 0.87 0.34 -0.03 0.31
Operating Cash Flow Less CapEx to Interest Expense		 0.89 0.03 0.07 1.20 -0.34 0.63 -0.47 0.85 0.31 -0.07 0.29
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.02 0.02 0.02
Fixed Asset Turnover		 2.43 2.43 2.44 2.50 2.11 2.18 2.03 2.02 1.65 1.58 1.73
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 326 290 328 251 240 200 251 213 211 181 289
Invested Capital Turnover		 0.15 0.16 0.15 0.19 0.14 0.17 0.13 0.16 0.14 0.15 0.12
Increase / (Decrease) in Invested Capital		 68 49 54 -3.68 -86 -90 -77 -38 -29 -19 38
Enterprise Value (EV)		 240 212 250 189 189 121 189 142 143 98 236
Market Capitalization		 83 73 78 94 103 98 94 96 86 79 99
Book Value per Share		 $19.59 $19.97 $20.22 $19.71 $19.92 $20.47 $20.26 $20.48 $19.83 $19.75 $20.10
Tangible Book Value per Share		 $18.83 $19.21 $19.46 $17.75 $18.10 $18.69 $18.51 $18.77 $18.14 $18.11 $18.48
Total Capital		 326 290 328 251 240 200 251 213 211 181 289
Total Debt		 206 167 203 130 118 75 127 87 88 58 164
Total Long-Term Debt		 80 76 76 70 57 48 51 49 44 43 39
Net Debt		 157 138 172 95 87 23 95 46 57 18 137
Capital Expenditures (CapEx)		 0.30 0.23 0.88 0.51 0.44 0.64 0.22 0.13 0.27 0.25 0.17
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.56 0.00 0.00 0.00 0.00 -0.40 0.00 0.00
Net Nonoperating Obligations (NNO)		 206 167 203 130 118 75 127 87 88 58 164
Total Depreciation and Amortization (D&A)		 0.43 0.32 0.32 0.24 0.08 0.67 0.55 0.89 0.40 0.52 0.44
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.82 $0.68 $0.64 ($1.50) $0.00 $0.96 $0.00 $0.20 $0.00 $0.76 $0.84
Adjusted Weighted Average Basic Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
Adjusted Diluted Earnings per Share		 $0.82 $0.68 $0.64 ($1.50) ($1.06) $0.82 $0.47 $0.47 ($2.38) $0.76 $0.84
Adjusted Weighted Average Diluted Shares Outstanding		 6.10M 6.10M 6.10M 6.10M 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
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 6.14M 6.14M 6.17M 6.17M 1.38M 6.26M 6.28M
Normalized Net Operating Profit after Tax (NOPAT)		 2.58 2.17 2.01 -4.05 5.26 2.97 0.03 0.63 -5.96 2.41 2.67
Normalized NOPAT Margin		 22.16% 19.51% 18.82% -30.15% 123.10% 23.59% 0.38% 4.78% 0.00% 21.04% 22.69%
Pre Tax Income Margin		 27.23% 24.29% 23.32% -43.08% 134.62% 29.49% 0.47% 5.13% 0.00% 25.67% 27.66%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.34 0.30 0.26 -0.61 0.63 0.46 0.00 0.08 -1.09 0.41 0.43
NOPAT to Interest Expense		 0.28 0.24 0.21 -0.43 0.57 0.37 0.00 0.08 -0.77 0.34 0.35
EBIT Less CapEx to Interest Expense		 0.31 0.27 0.17 -0.67 0.58 0.38 -0.02 0.07 -1.13 0.38 0.41
NOPAT Less CapEx to Interest Expense		 0.25 0.21 0.12 -0.48 0.53 0.29 -0.02 0.06 -0.80 0.30 0.33
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 23.69% 25.09% 25.72% 110.25% 50.27% 44.27% 68.39% 28.14% -129.85% -100.88% 1,767.13%
Augmented Payout Ratio		 23.69% 25.09% 25.72% 110.25% 50.27% 44.27% 68.39% 28.14% -129.85% -100.88% 1,767.13%

Financials Breakdown Chart

Key Financial Trends

Pathfinder Bancorp’s latest results show a meaningful earnings recovery, but the balance sheet remains sensitive to funding costs, deposit movements and investment activity. In Q2 2026, net income attributable to common shareholders rose to $2.7 million, or $0.84 per diluted share, from $2.4 million, or $0.76 per share, in Q1 2026. Compared with the restated Q2 2025 result of $31,000, the improvement is substantial, although the prior-year quarter was unusually weak.

  • Profitability has rebounded. Net income increased from a $5.6 million loss in Q4 2025 to $2.4 million in Q1 2026 and $2.7 million in Q2 2026. The company has now returned to consecutive quarterly profits after the significant Q4 2025 loss.
  • Net interest income is improving. Q2 2026 net interest income reached $10.5 million, up from $10.3 million in Q1 2026 and $9.5 million in Q2 2024. Total interest income also increased to $18.1 million, although deposit interest expense remains elevated.
  • Credit-loss provisions are currently providing an earnings benefit. The company reported a negative provision for credit losses of $155,000 in Q2 2026, compared with provisions of $3.5 million in Q3 2025 and $11.9 million in Q4 2025. This helped support the recent return to profitability, though investors should determine whether the benefit is recurring.
  • Operating cash flow improved year over year. Net cash from operating activities was $2.3 million in Q2 2026, compared with negative operating cash flow of $3.7 million in Q2 2025. This indicates better conversion of reported earnings into cash during the latest quarter.
  • Capital has remained relatively stable. Total common equity increased to $125.7 million in Q2 2026 from $123.6 million in Q1 2026 and $124.4 million in Q2 2025. Retained earnings also rose to $77.2 million from $75.1 million in Q1.
  • The quarterly dividend has been maintained. Pathfinder continued to report a $0.10-per-share cash dividend in Q2 2026, consistent with recent quarters and above the $0.09 dividend reported in Q4 2023.
  • Assets have grown modestly over the longer period. Total assets were $1.49 billion in Q2 2026, compared with $1.45 billion in Q2 2024 and $1.40 billion in Q3 2023. However, the growth has been driven partly by securities and other assets rather than sustained loan growth.
  • The securities portfolio is a significant part of the balance sheet. Trading account securities totaled $489.4 million, or roughly one-third of total assets, in Q2 2026. The company purchased $120.4 million of investment securities during the quarter while selling or receiving maturities on $36.9 million, making investment portfolio management an important driver of cash flow and earnings.
  • Deposits declined sharply during Q2. Net change in deposits was negative $37.5 million in Q2 2026, following a $27.9 million increase in Q1. Total deposits stood at approximately $1.17 billion at quarter-end, down from roughly $1.21 billion in Q1, which could increase reliance on wholesale funding.
  • Reported debt balances increased substantially. Short-term debt rose to $125.0 million in Q2 2026 from $15.0 million in Q1, while total short- and long-term debt increased to approximately $163.5 million from $57.5 million. This increase, combined with falling deposits, raises funding and interest-cost concerns even though the cash-flow statement reported significant debt repayments.
  • Liquidity declined in the latest quarter. Cash and due from banks fell to $11.4 million from $13.9 million in Q1, while interest-bearing deposits at other banks declined to $14.6 million from $25.2 million. Overall cash and equivalents decreased by $13.1 million in Q2, largely because investment purchases exceeded investment sales and maturities.
  • Loan balances remain below the prior year. Gross loans and leases were $889.0 million in Q2 2026, down from $909.7 million in Q2 2025, while net loans declined to $862.1 million from $893.7 million. Shrinking loans can limit future interest-income growth, even though the allowance for loan losses remains sizable at $26.9 million.
  • Non-interest expenses remain high. Q2 2026 non-interest expense was $8.7 million, only modestly below Q1 and above the $8.1 million reported in the restated Q2 2025 period. Salaries, occupancy and equipment costs accounted for most of the expense base, limiting the benefit from higher revenue.
  • Recent earnings remain volatile and include restated historical results. Pathfinder reported sizable losses in Q3 2024 and Q4 2025, while several earlier quarterly figures were restated. Investors should focus on normalized earnings and credit performance rather than assuming that the latest provision reversal will continue.

Overall, PBHC’s earnings trend has improved considerably in 2026, supported by stronger net interest income, lower credit-loss provisions and positive operating cash flow. The main issues to monitor are the decline in deposits, the sharp increase in reported short-term debt, continued loan contraction and the company’s heavy investment-securities exposure. The recovery is encouraging, but the balance sheet suggests that funding and credit quality remain important risks for shareholders.

10/15/26 02:04 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 fiscal year ends in December. Their fiscal 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, compared with $2.80 million in 2014. The previous period was $4.83 million in 2024. Find out what analysts predict for Pathfinder Bancorp in the coming months.

Over the last 11 years, Pathfinder Bancorp's total revenue changed from $20.84 million in 2014 to $30.51 million in 2025, a change of 46.4%.

In the past 11 quarters, Pathfinder Bancorp's cash and equivalents has ranged from $11.40 million in Q2 2026 to $19.32 million in Q3 2025, and is currently $11.40 million as of their latest financial filing in Q2 2026.

Pathfinder Bancorp had total debt of $88.23 million at the end of 2025, a 25.3% decrease from 2024, and a 56.7% increase since 2015.

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 8/13/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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