Pathfinder Bancorp Inc Md Financials

PBHC

Trailing 12 months to June 30, 2026

Revenue $73.6M -7.2% YoY

Net Income $143K -93.7% YoY

EPS (Diluted) Not reported for the trailing 12 months

Free Cash Flow $11.0M +17.9% YoY

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 13, 2026 Currency USD FYE December

Pathfinder Bancorp Inc Md (PBHC) reported $73.6M in revenue over the twelve months to Jun 30, 2026, down 7.2% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 13 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI PBHC FY2025 2026-05-15

Balance-sheet deleveraging is outpacing earnings generation, leaving weaker profit extraction from a still-large $1.4B asset base.

From FY2022 to FY2025, ROA slid from 0.9% to -0.1%, meaning the institution's large balance sheet stopped translating into meaningful bottom-line output. At the same time, long-term debt dropped from $55.7M to $14.1M, so the earnings deterioration cannot be explained by rising leverage alone; the core issue is weaker profit extraction from roughly the same operating footprint.

Cash conversion held up better than reported earnings: FY2025 still generated operating cash flow of $11.7M and free cash flow of $10.4M, even after the income statement moved into a loss. Because capital spending was only $1.3M, most operating cash remained available rather than being consumed by upkeep, which makes the loss look more like earnings compression than a cash crunch.

The balance sheet remains liability-funded, with $1.30B of liabilities supported by $122.5M of equity, so small changes in profitability can move reported returns a lot within that structure. Yet debt-to-equity improved from 41.8% in FY2023 to 11.5% in FY2025, showing a deliberate reduction in long-term borrowing even while earnings softened.

Financial Health Signals

Financial Health Score 20/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Pathfinder Bancorp Inc Md's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Stability

Piotroski F-Score Partial

5/7

Pathfinder Bancorp Inc Md passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 2 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

N/A

Pathfinder Bancorp Inc Md reported a net loss of $1.9M while generating $11.7M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$76.7M

YoY-2.2%

5Y CAGR+12.5%

10Y CAGR+13.6%

Pathfinder Bancorp Inc Md generated $76.7M in revenue in fiscal year 2025. This represents a decrease of 2.2% from the prior year.

Net Income

-$1.9M

YoY-157.1%

Pathfinder Bancorp Inc Md reported -$1.9M in net income in fiscal year 2025. This represents a decrease of 157.1% from the prior year.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$10.4M

YoY+13.9%

5Y CAGR-25.5%

10Y CAGR+11.0%

Pathfinder Bancorp Inc Md generated $10.4M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 13.9% from the prior year.

Cash & Debt

$31.2M

YoY-1.3%

5Y CAGR-6.4%

10Y CAGR+7.4%

Pathfinder Bancorp Inc Md held $31.2M in cash against $14.1M in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.40

YoY0.0%

5Y CAGR+10.8%

10Y CAGR+9.6%

Pathfinder Bancorp Inc Md paid $0.40 per share in dividends in fiscal year 2025. That is unchanged from the prior year.

Shares Outstanding

YoY0.0%

5Y CAGR+0.9%

10Y CAGR+0.9%

Pathfinder Bancorp Inc Md had 5M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

Net Margin

-2.5%

YoY-6.8pp

5Y CAGR-18.9pp

10Y CAGR-16.0pp

Pathfinder Bancorp Inc Md's net profit margin was -2.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 6.8 percentage points from the prior year.

Return on Equity

-1.6%

YoY-4.4pp

5Y CAGR-8.7pp

10Y CAGR-5.7pp

Pathfinder Bancorp Inc Md's ROE was -1.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.4 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Capital Allocation

Capital Expenditures

$1.3M

YoY-38.9%

5Y CAGR0.0%

10Y CAGR-7.1%

Pathfinder Bancorp Inc Md invested $1.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 38.9% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

Share Buybacks

Not reported for fiscal year 2025.

PBHC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBHC quarterly income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Revenue	$73.6M	$76.7M-2.2%	$78.4M+15.8%	$67.7M+32.4%	$51.1M+11.5%	$45.8M+7.8%	$42.5M+1.8%	$41.8M+20.0%	$34.8M+18.3%	$29.4M+22.1%	$24.1M+12.5%	$21.4M+8.8%	$19.7M+4.3%	$18.9M
SG&A Expenses	$580K	$475K-11.9%	$539K-26.7%	$735K+6.8%	$688K-5.1%	$725K+43.0%	$507K+18.7%	$427K+1.2%	$422K+19.5%	$353K+7.3%	$329K+22.8%	$268K+7.6%	$249K+13.7%	$219K
Interest Expense	$30.6M	$32.3M-13.5%	$37.4M+30.0%	$28.7M+196.5%	$9.7M+28.7%	$7.5M-30.7%	$10.9M-19.7%	$13.5M+49.6%	$9.0M+43.8%	$6.3M+65.4%	$3.8M+43.2%	$2.7M+1.6%	$2.6M-19.9%	$3.3M
Income Tax	-$1.8M	-$2.2M-750.6%	$332K-85.9%	$2.4M-11.1%	$2.7M-24.1%	$3.5M+31.7%	$2.7M+128.0%	$1.2M+113.4%	$546K-40.8%	$922K-17.0%	$1.1M+3.7%	$1.1M-7.1%	$1.2M+36.1%	$847K
Net Income	$143K	-$1.9M-157.1%	$3.4M-63.6%	$9.3M-28.1%	$12.9M+4.2%	$12.4M+78.5%	$7.0M+62.5%	$4.3M+6.1%	$4.0M+15.5%	$3.5M+6.7%	$3.3M+13.3%	$2.9M+3.1%	$2.8M+16.4%	$2.4M
EPS (Diluted)	—	N/A	N/A	N/A	N/A	N/A	$1.17+46.2%	$0.80-14.9%	$0.94+13.3%	$0.83+6.4%	$0.78+18.2%	$0.66+4.8%	$0.63+8.6%	$0.58

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$18.1M+3.2%	$17.5M-4.3%	$18.3M-7.3%	$19.7M+2.9%	$19.2M-1.3%	$19.4M-0.4%	$19.5M-7.9%	$21.2M
SG&A Expenses	$139K-0.7%	$140K-17.2%	$169K+28.0%	$132K+120.0%	$60K-47.4%	$114K-7.3%	$123K0.0%	$123K
Interest Expense	$7.5M+5.2%	$7.2M-8.0%	$7.8M-4.3%	$8.1M-2.8%	$8.4M+4.2%	$8.0M-12.2%	$9.1M-3.4%	$9.5M
Income Tax	$585K+10.4%	$530K+117.9%	-$3.0M-6528.3%	$46K+557.1%	$7K-99.1%	$744K+51.2%	$492K+141.9%	-$1.2M
Net Income	$2.7M+10.6%	$2.4M+143.4%	-$5.6M-988.8%	$626K+1919.4%	$31K-99.0%	$3.0M-23.9%	$3.9M+184.1%	-$4.6M
EPS (Diluted)	N/A	N/A	N/A	$0.47	$0.47	N/A	N/A	$0.41

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

PBHC Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBHC quarterly balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Total Assets	$1.4B-3.3%	$1.5B+0.6%	$1.5B+4.7%	$1.4B+8.9%	$1.3B+4.7%	$1.2B+12.2%	$1.1B+17.2%	$933.1M+5.9%	$881.3M+17.7%	$749.0M+20.2%	$623.3M+11.1%	$561.0M+11.4%	$503.8M
Cash & Equivalents	$31.2M-1.3%	$31.6M-35.2%	$48.7M+38.1%	$35.3M-5.0%	$37.1M-14.5%	$43.5M+115.6%	$20.2M-23.4%	$26.3M+19.7%	$22.0M-1.9%	$22.4M+47.1%	$15.2M+34.2%	$11.4M-31.5%	$16.6M
Goodwill	$5.1M0.0%	$5.1M+11.5%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M0.0%	$4.5M+3.9%	$4.4M0.0%	$4.4M
Total Liabilities	$1.3B-3.6%	$1.4B+0.6%	$1.3B+4.4%	$1.3B+9.7%	$1.2B+4.0%	$1.1B+12.6%	$1.0B+15.5%	$868.7M+6.0%	$819.1M+18.6%	$690.7M+25.1%	$552.0M+12.2%	$491.8M+6.7%	$460.7M
Long-Term Debt	$14.1M-48.0%	$27.1M-45.8%	$49.9M-10.3%	$55.7M-13.8%	$64.6M-17.2%	$78.0M+14.8%	$68.0M-14.5%	$79.5M+83.7%	$43.3M+154.6%	$17.0M+3.0%	$16.5M+50.0%	$11.0M	N/A
Total Equity	$122.5M+0.8%	$121.5M+1.7%	$119.5M+7.7%	$111.0M+0.6%	$110.3M+13.2%	$97.5M+7.8%	$90.4M+40.8%	$64.2M+3.9%	$61.8M+6.7%	$57.9M-18.2%	$70.8M+2.9%	$68.8M+61.1%	$42.7M
Retained Earnings	$73.4M-5.7%	$77.8M+2.3%	$76.1M+6.6%	$71.3M+17.0%	$60.9M+21.2%	$50.3M+12.1%	$44.8M+6.5%	$42.1M+7.9%	$39.0M+9.5%	$35.6M+7.3%	$33.2M+6.7%	$31.1M+8.0%	$28.8M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$1.5B+5.0%	$1.4B-0.3%	$1.4B-3.1%	$1.5B-2.2%	$1.5B+0.7%	$1.5B+1.4%	$1.5B-0.6%	$1.5B
Cash & Equivalents	$26.1M-33.5%	$39.2M+25.6%	$31.2M-23.2%	$40.6M+28.9%	$31.5M-38.8%	$51.5M+63.0%	$31.6M-10.6%	$35.3M
Goodwill	$5.1M0.0%	$5.1M0.0%	$5.1M0.0%	$5.1M0.0%	$5.1M0.0%	$5.1M0.0%	$5.1M-12.1%	$5.8M
Total Liabilities	$1.4B+5.3%	$1.3B-0.4%	$1.3B-3.1%	$1.3B-2.5%	$1.4B+0.7%	$1.4B+1.3%	$1.4B-0.6%	$1.4B
Long-Term Debt	$8.4M-32.3%	$12.4M-12.1%	$14.1M-24.7%	$18.7M-10.8%	$21.0M+19.0%	$17.6M-34.9%	$27.1M-31.9%	$39.8M
Total Equity	$125.7M+1.7%	$123.6M+0.9%	$122.5M-3.1%	$126.3M+1.5%	$124.4M-0.4%	$124.9M+2.8%	$121.5M+1.0%	$120.2M
Retained Earnings	$77.2M+2.7%	$75.1M+2.4%	$73.4M-7.8%	$79.6M0.0%	$79.6M-0.7%	$80.2M+3.0%	$77.8M+5.6%	$73.7M

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

PBHC Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

PBHC quarterly cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Operating Cash Flow	$11.8M	$11.7M+4.2%	$11.2M-27.4%	$15.4M-29.0%	$21.7M+7.8%	$20.2M-56.7%	$46.6M+473.4%	$8.1M-9.6%	$9.0M+31.3%	$6.8M+7.4%	$6.4M+1.0%	$6.3M+25.5%	$5.0M-1.6%	$5.1M
Capital Expenditures	$812K	$1.3M-38.9%	$2.1M+4.9%	$2.0M+3.6%	$1.9M+56.6%	$1.2M-3.9%	$1.3M-64.9%	$3.6M-36.8%	$5.7M+188.2%	$2.0M+45.0%	$1.4M-48.3%	$2.6M+11.5%	$2.4M+4.3%	$2.3M
Free Cash Flow	$11.0M	$10.4M+13.9%	$9.1M-32.1%	$13.5M-32.1%	$19.8M+4.7%	$18.9M-58.2%	$45.3M+901.3%	$4.5M+37.5%	$3.3M-32.4%	$4.9M-2.8%	$5.0M+36.2%	$3.7M+38.0%	$2.7M-6.4%	$2.8M
Investing Cash Flow	-$4.9M	$40.4M+280.6%	-$22.4M+59.1%	-$54.8M+58.2%	-$131.2M-87.5%	-$70.0M+53.1%	-$149.2M+8.3%	-$162.8M-212.9%	-$52.0M+61.2%	-$133.9M	N/A	N/A	N/A	N/A
Financing Cash Flow	-$12.3M	-$52.5M-779.7%	-$6.0M-111.3%	$52.8M-50.9%	$107.6M+147.4%	$43.5M-65.5%	$126.0M-15.2%	$148.5M+213.6%	$47.4M-62.6%	$126.7M	N/A	N/A	N/A	N/A
Dividends Paid	$1.9M	$1.9M+3.7%	$1.8M+8.9%	$1.7M+7.8%	$1.6M+27.8%	$1.2M+7.9%	$1.1M+4.2%	$1.1M+6.4%	$1.0M+16.0%	$884K+2.1%	$866K+42.2%	$609K+92.7%	$316K+4.3%	$303K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0-100.0%	$1.8M	$0-100.0%	$1.1M	$0

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$2.3M+1073.4%	-$241K-109.0%	$2.7M-62.1%	$7.0M+288.6%	-$3.7M-165.6%	$5.7M+314.6%	-$2.7M-122.4%	$11.8M
Capital Expenditures	$165K-33.5%	$248K-9.2%	$273K+116.7%	$126K-43.8%	$224K-64.8%	$637K+44.4%	$441K-13.5%	$510K
Free Cash Flow	$2.2M+546.0%	-$489K-120.4%	$2.4M-65.4%	$6.9M+274.8%	-$4.0M-178.3%	$5.1M+263.4%	-$3.1M-127.3%	$11.3M
Investing Cash Flow	-$83.6M-844.1%	$11.2M-60.3%	$28.3M-27.8%	$39.2M+255.8%	-$25.1M-1243.0%	-$1.9M-149.3%	$3.8M+113.0%	-$29.3M
Financing Cash Flow	$68.2M+2367.3%	-$3.0M+92.6%	-$40.4M-8.8%	-$37.1M-517.7%	$8.9M-44.7%	$16.1M+428.4%	-$4.9M-123.3%	$21.0M
Dividends Paid	$830K+501.4%	$138K-71.2%	$479K0.0%	$479K-41.0%	$812K+488.4%	$138K-70.8%	$473K+0.6%	$470K

Not reported in any period shown, so not listed: Share Buybacks.

PBHC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

PBHC quarterly financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13
Net Margin	-2.5%-6.8pp	4.3%-9.4pp	13.7%-11.6pp	25.3%-1.8pp	27.1%+10.7pp	16.4%+6.1pp	10.2%-1.3pp	11.6%-0.3pp	11.9%-1.7pp	13.6%+0.1pp	13.5%-0.7pp	14.2%+1.5pp	12.7%
Return on Equity	-1.6%-4.4pp	2.8%-5.0pp	7.8%-3.9pp	11.7%+0.4pp	11.3%+4.1pp	7.1%+2.4pp	4.7%-1.5pp	6.3%+0.6pp	5.7%0.0pp	5.7%+1.6pp	4.1%0.0pp	4.1%-1.6pp	5.6%
Return on Assets	-0.1%-0.4pp	0.2%-0.4pp	0.6%-0.3pp	0.9%-0.1pp	1.0%+0.4pp	0.6%+0.2pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.5%0.0pp	0.5%0.0pp	0.5%
Debt-to-Equity	0.11-0.1x	0.22-0.2x	0.42-0.1x	0.50-0.1x	0.59-0.2x	0.800.0x	0.75-0.5x	1.24+0.5x	0.70+0.4x	0.29+0.1x	0.23+0.1x	0.16-10.6x	10.79
FCF Margin	13.6%+1.9pp	11.7%-8.2pp	19.9%-18.9pp	38.8%-2.5pp	41.3%	106.6%	10.8%+1.4pp	9.4%-7.1pp	16.6%-4.2pp	20.8%+3.6pp	17.2%+3.6pp	13.5%-1.5pp	15.1%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	14.8%+1.0pp	13.8%+44.2pp	-30.4%-33.6pp	3.2%+3.0pp	0.2%-15.1pp	15.3%-4.7pp	20.0%+41.9pp	-21.9%
Return on Equity	2.1%+0.2pp	1.9%+6.5pp	-4.5%-5.0pp	0.5%+0.5pp	0.0%-2.4pp	2.4%-0.8pp	3.2%+7.1pp	-3.9%
Return on Assets	0.2%0.0pp	0.2%+0.6pp	-0.4%-0.4pp	0.0%0.0pp	0.0%-0.2pp	0.2%-0.1pp	0.3%+0.6pp	-0.3%
Debt-to-Equity	0.070.0x	0.100.0x	0.110.0x	0.150.0x	0.170.0x	0.14-0.1x	0.22-0.1x	0.33
FCF Margin	12.1%+14.9pp	-2.8%-15.9pp	13.1%-22.0pp	35.1%+55.7pp	-20.6%-46.7pp	26.0%+41.9pp	-15.9%-69.3pp	53.5%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

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Where Pathfinder Bancorp Inc Md Ranks

Frequently Asked Questions

What is Pathfinder Bancorp Inc Md's annual revenue?

Pathfinder Bancorp Inc Md (PBHC) reported $76.7M in total revenue for fiscal year 2025. This represents a -2.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Pathfinder Bancorp Inc Md's revenue growing?

Pathfinder Bancorp Inc Md (PBHC) revenue declined by 2.2% year-over-year, from $78.4M to $76.7M in fiscal year 2025.

Is Pathfinder Bancorp Inc Md profitable?

No, Pathfinder Bancorp Inc Md (PBHC) reported a net income of -$1.9M in fiscal year 2025, with a net profit margin of -2.5%.

How much debt does Pathfinder Bancorp Inc Md have?

As of fiscal year 2025, Pathfinder Bancorp Inc Md (PBHC) had $31.2M in cash and equivalents against $14.1M in long-term debt.

What is Pathfinder Bancorp Inc Md's net profit margin?

Pathfinder Bancorp Inc Md (PBHC) had a net profit margin of -2.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Pathfinder Bancorp Inc Md pay dividends?

Yes, Pathfinder Bancorp Inc Md (PBHC) paid $0.40 per share in dividends during fiscal year 2025.

What is Pathfinder Bancorp Inc Md's return on equity (ROE)?

Pathfinder Bancorp Inc Md (PBHC) has a return on equity of -1.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Pathfinder Bancorp Inc Md's free cash flow?

Pathfinder Bancorp Inc Md (PBHC) generated $10.4M in free cash flow during fiscal year 2025. This represents a 13.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Pathfinder Bancorp Inc Md's operating cash flow?

Pathfinder Bancorp Inc Md (PBHC) generated $11.7M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Pathfinder Bancorp Inc Md's total assets?

Pathfinder Bancorp Inc Md (PBHC) had $1.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Pathfinder Bancorp Inc Md's capital expenditures?

Pathfinder Bancorp Inc Md (PBHC) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Pathfinder Bancorp Inc Md have outstanding?

Pathfinder Bancorp Inc Md (PBHC) had 5M shares outstanding as of fiscal year 2025.

What is Pathfinder Bancorp Inc Md's debt-to-equity ratio?

Pathfinder Bancorp Inc Md (PBHC) had a debt-to-equity ratio of 0.11 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Pathfinder Bancorp Inc Md's return on assets (ROA)?

Pathfinder Bancorp Inc Md (PBHC) had a return on assets of -0.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Pathfinder Bancorp Inc Md's Piotroski F-Score?

Pathfinder Bancorp Inc Md (PBHC) has a Piotroski F-Score of 5 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Pathfinder Bancorp Inc Md's earnings high quality?

Pathfinder Bancorp Inc Md (PBHC) reported a net loss of $1.9M while generating $11.7M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Pathfinder Bancorp Inc Md?

Pathfinder Bancorp Inc Md (PBHC) scores 20 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.