Pathfinder Bancorp Inc (PBHC) Financials

PBHC

Trailing 12 months to June 30, 2026

Revenue $48.2M -4.9% YoY

Net Income $143K -93.7% YoY

Free Cash Flow $11.0M +17.9% YoY

Operating Cash Flow $11.8M +6.1% YoY

Market Cap $104.9M as of Oct 13, 2026

Price / Sales 2.2x on $48.2M revenue, trailing 12 months to June 30, 2026

Price / Earnings 734x on $143K net income, trailing 12 months to June 30, 2026

Price / Book 0.8x on $125.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

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

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 13, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PBHC SEC filings page.

Pathfinder Bancorp Inc (PBHC) reported $48.2M in revenue over the twelve months to Jun 30, 2026, down 4.9% 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 2026-10-04

The bank remains cash-generative despite reported losses, while shrinking debt exposure and weaker returns reveal a changed earnings structure.

FY2025 paired a net loss of $1.9M with operating cash flow of $11.7M. Free cash flow still reached $10.4M, so accounting earnings and cash generation diverged materially; that points to noncash or balance-sheet timing effects, not an equally sized cash shortfall.

The debt-to-equity ratio fell from 0.6x in FY2021 to 0.1x in FY2025 while total liabilities rose from $1.17B to $1.30B. This suggests the liability mix changed, rather than the institution simply reducing all obligations.

Revenue declined 7.4% from FY2024, but the business moved from a net profit of $3.4M to a net loss of $1.9M. Because interest expense also decreased, the sharper earnings deterioration indicates profitability pressure beyond lower revenue, reflected in return on assets moving from 0.2% to -0.1%.

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'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

Pathfinder Bancorp Inc earned a return on assets of -0.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 0.2% the prior year. Earnings ranks banks on that return over three years, and Pathfinder Bancorp Inc scores 20/100 among other banks.

Growth

Pathfinder Bancorp Inc reported revenue of $46.8M in fiscal year 2025, against $50.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Pathfinder Bancorp Inc scores 28/100 among other banks.

Capital

Pathfinder Bancorp Inc funded 8.6% of its assets with shareholders' equity at the end of fiscal year 2025, holding $122.5M of equity against $1.4B of assets. Capital ranks banks on that cushion, and Pathfinder Bancorp Inc scores 13/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Pathfinder Bancorp Inc scores 28/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Pathfinder Bancorp Inc scores 7/100 on it among other banks.

Stability

Pathfinder Bancorp Inc reported a net loss of $1.9M in fiscal year 2025, against $3.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Pathfinder Bancorp Inc scores 24/100 among other banks.

Piotroski F-Score Partial

4/7

Pathfinder Bancorp Inc passes 4 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, neither operating efficiency signal passes.

Earnings Quality Mixed

N/A

Pathfinder Bancorp Inc 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

$11.8M

YoY+26.5%

QoQ+2.6%

5Y CAGR+0.2%

10Y CAGR+6.9%

Pathfinder Bancorp Inc generated $11.8M in revenue in Q2 2026. This represents an increase of 26.5% from the same quarter a year earlier. Against the prior quarter it is up 2.6%.

Net Income

$2.7M

YoY+8506.5%

QoQ+10.6%

5Y CAGR-2.4%

10Y CAGR+12.4%

Pathfinder Bancorp Inc reported $2.7M in net income in Q2 2026. This represents an increase of 8506.5% from the same quarter a year earlier. Against the prior quarter it is up 10.6%.

EBITDA

Not reported for Q2 2026.

EPS (Diluted)

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$2.2M

YoY+155.1%

QoQ+546.0%

5Y CAGR-14.1%

10Y CAGR-1.6%

Pathfinder Bancorp Inc generated $2.2M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 155.1% from the same quarter a year earlier. Against the prior quarter it is up 546.0%.

Cash & Debt

$26.1M

YoY-17.2%

QoQ-33.5%

5Y CAGR-8.7%

10Y CAGR+0.4%

Pathfinder Bancorp Inc held $26.1M in cash against $8.4M in long-term debt as of Q2 2026.

Dividends Per Share

$0.10

YoY0.0%

QoQ0.0%

5Y CAGR+7.4%

10Y CAGR+7.2%

Pathfinder Bancorp Inc paid $0.10 per share in dividends in Q2 2026. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

Not reported for Q2 2026.

Margins & Returns

Net Margin

22.7%

YoY+22.4pp

QoQ+1.6pp

5Y change-3.1pp

10Y change+8.9pp

Pathfinder Bancorp Inc's net profit margin was 22.7% in Q2 2026, showing the share of revenue converted to profit. This is up 22.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.6 percentage points.

Return on Equity

2.1%

YoY+2.1pp

QoQ+0.2pp

5Y change-0.8pp

10Y change+0.7pp

Pathfinder Bancorp Inc's ROE was 2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 2.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Capital Expenditures

$165K

YoY-26.3%

QoQ-33.5%

5Y CAGR-18.5%

10Y CAGR-1.5%

Pathfinder Bancorp Inc invested $165K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 26.3% from the same quarter a year earlier. Against the prior quarter it is down 33.5%.

R&D Spending

Not reported for Q2 2026.

Share Buybacks

Not reported for Q2 2026.

PBHC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PBHC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Revenue	$48.2M	$46.8M-7.4%	$50.5M+14.6%	$44.1M-6.8%	$47.3M+6.3%	$44.5M+16.8%	$38.1M+15.0%	$33.1M+12.0%	$29.6M+8.8%	$27.2M+11.2%	$24.5M+6.7%	$22.9M+10.1%	$20.8M+9.5%	$19.0M
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 (Basic)	N/A	N/A	N/A	N/A	N/A	N/A	$1.17+46.2%	$0.80-17.5%	$0.97+12.8%	$0.86+8.9%	$0.79+17.9%	$0.67+4.7%	$0.64+10.3%	$0.58
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
Diluted Shares (Avg)	N/A	N/A	N/A	N/A	N/A	N/A	5M+3.2%	4M+4.6%	4M+1.8%	4M0.0%	4M0.0%	4M-0.2%	4M+0.7%	4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$11.8M+26.5%	$11.5M-9.0%	$11.8M-22.6%	$13.1M-2.5%	$9.3M-13.0%	$12.6M+13.2%	$15.3M+45.9%	$13.4M+19.4%
SG&A Expenses	$139K+131.7%	$140K+22.8%	$169K+37.4%	$132K+7.3%	$60K-51.2%	$114K-32.9%	$123K-52.5%	$123K-22.6%
Interest Expense	$7.5M-10.0%	$7.2M-10.8%	$7.8M-14.9%	$8.1M-14.1%	$8.4M-12.3%	$8.0M-12.8%	$9.1M-0.2%	$9.5M+24.4%
Income Tax	$585K+8257.1%	$530K-28.8%	-$3.0M-701.0%	$46K+103.9%	$7K-98.5%	$744K+39.8%	$492K-16.6%	-$1.2M-304.7%
Net Income	$2.7M+8506.5%	$2.4M-18.9%	-$5.6M-242.4%	$626K+113.5%	$31K-98.5%	$3.0M+40.3%	$3.9M+54.1%	-$4.6M-313.4%
EPS (Diluted)	N/A	N/A	N/A	$0.47+14.6%	$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, EBITDA, EPS (Basic), Diluted Shares (Avg).

PBHC Balance Sheet

PBHC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$1.5B-0.8%	$1.4B-4.9%	$1.4B-3.3%	$1.5B-0.7%	$1.5B+4.1%	$1.5B+2.9%	$1.5B+0.6%	$1.5B+5.9%
Cash & Equivalents	$26.1M-17.2%	$39.2M-23.9%	$31.2M-1.3%	$40.6M+14.9%	$31.5M-1.1%	$51.5M+76.1%	$31.6M-35.2%	$35.3M+44.3%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$5.1M0.0%	$5.1M0.0%	$5.1M0.0%	$5.1M-12.1%	$5.1M+11.5%	$5.1M+11.5%	$5.1M+11.5%	$5.8M+26.8%
Total Liabilities	$1.4B-1.0%	$1.3B-5.3%	$1.3B-3.6%	$1.3B-1.2%	$1.4B+4.4%	$1.4B+3.0%	$1.4B+0.6%	$1.4B+5.9%
Long-Term Debt	$8.4M-60.1%	$12.4M-29.8%	$14.1M-48.0%	$18.7M-53.0%	$21.0M-54.3%	$17.6M-61.6%	$27.1M-45.8%	$39.8M-26.2%
Total Equity	$125.7M+1.1%	$123.6M-1.1%	$122.5M+0.8%	$126.3M+5.1%	$124.4M+0.9%	$124.9M+2.5%	$121.5M+1.7%	$120.2M+5.7%
Retained Earnings	$77.2M-3.0%	$75.1M-6.3%	$73.4M-5.7%	$79.6M+8.0%	$79.6M+0.8%	$80.2M+3.4%	$77.8M+2.3%	$73.7M-0.8%

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

PBHC Cash Flow Statement

PBHC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
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
Depreciation & Amortization	N/A	$2.0M+21.8%	$1.6M+13.4%	$1.4M+30.5%	$1.1M-39.9%	$1.8M+5.3%	$1.7M+11.5%	$1.5M+28.3%	$1.2M+13.9%	$1.1M+1.5%	$1.0M+2.1%	$1.0M+24.1%	$817K+14.1%	$716K
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	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$2.3M+162.8%	-$241K-104.2%	$2.7M+200.5%	$7.0M-40.5%	-$3.7M-346.2%	$5.7M+1030.4%	-$2.7M-131.5%	$11.8M+132.2%
Depreciation & Amortization	$521K+26.8%	$517K-7.0%	$286K-34.7%	$699K+45.3%	$411K+21.2%	$556K+61.6%	$438K+25.5%	$481K+37.8%
Capital Expenditures	$165K-26.3%	$248K-61.1%	$273K-38.1%	$126K-75.3%	$224K-74.6%	$637K+177.0%	$441K+49.0%	$510K-49.4%
Free Cash Flow	$2.2M+155.1%	-$489K-109.7%	$2.4M+177.4%	$6.9M-38.9%	-$4.0M-721.8%	$5.1M+1746.7%	-$3.1M-138.1%	$11.3M+176.9%
Investing Cash Flow	-$83.6M-232.6%	$11.2M+700.2%	$28.3M+645.1%	$39.2M+233.6%	-$25.1M-338.8%	-$1.9M+74.7%	$3.8M+109.3%	-$29.3M-16.9%
Financing Cash Flow	$68.2M+667.1%	-$3.0M-118.7%	-$40.4M-724.8%	-$37.1M-276.9%	$8.9M+194.0%	$16.1M+227.5%	-$4.9M-108.6%	$21.0M+175.0%
Dividends Paid	$830K+2.2%	$138K0.0%	$479K+1.3%	$479K+1.9%	$812K+71.7%	$138K-67.5%	$473K+11.0%	$470K+11.1%

Not reported in any period shown, so not listed: Stock-Based Compensation, Share Buybacks.

PBHC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PBHC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K
Net Margin	-4.1%-10.8pp	6.7%-14.4pp	21.1%-6.3pp	27.3%-0.5pp	27.9%+9.6pp	18.2%+5.3pp	12.9%-0.7pp	13.6%+0.8pp	12.8%-0.5pp	13.4%+0.8pp	12.6%-0.8pp	13.4%+0.8pp	12.6%
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
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	22.2%+4.1pp	18.1%-12.4pp	30.5%-11.4pp	41.9%-0.6pp	42.5%	118.8%	13.7%+2.5pp	11.1%-6.8pp	17.9%-2.6pp	20.5%+4.4pp	16.0%+3.2pp	12.8%-2.2pp	15.0%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	22.7%+22.4pp	21.0%-2.5pp	-47.1%-72.6pp	4.8%+39.3pp	0.3%-18.4pp	23.6%+4.5pp	25.6%+1.3pp	-34.6%-53.9pp
Return on Equity	2.1%+2.1pp	1.9%-0.4pp	-4.5%-7.8pp	0.5%+4.4pp	0.0%-1.6pp	2.4%+0.6pp	3.2%+1.1pp	-3.9%-5.8pp
Return on Assets	0.2%+0.2pp	0.2%0.0pp	-0.4%-0.7pp	0.0%+0.4pp	0.0%-0.1pp	0.2%+0.1pp	0.3%+0.1pp	-0.3%-0.5pp
Debt-to-Equity	0.07-0.1x	0.100.0x	0.11-0.1x	0.15-0.2x	0.17-0.2x	0.14-0.2x	0.22-0.2x	0.33-0.1x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	18.6%+61.2pp	-4.3%-44.4pp	20.3%+40.5pp	52.8%-31.5pp	-42.6%-48.6pp	40.1%+37.7pp	-20.3%-97.9pp	84.3%+48.0pp

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

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Pathfinder Bancorp Inc PBHC	FY2025	$46.8M	-$1.9M	-4.1%	$104.9M	20/100
CFSB Bancorp, Inc. CFSB	FY2025	$7.7M	-$265K	-3.5%	$93.3M	22/100
Lake Shore Bancorp, Inc. LSBK	FY2025	$27.8M	$7.3M	26.1%	$141.1M	63/100
Auburn National Bancorporation AUBN	FY2025	$32.8M	$7.3M	22.1%	$92.8M	42/100
United Bancorp Inc/OH UBCP	FY2025	$41.5M	$7.8M	18.7%	$82.1M	46/100

Where Pathfinder Bancorp Inc Ranks

Frequently Asked Questions

What is Pathfinder Bancorp Inc's annual revenue?

Pathfinder Bancorp Inc (PBHC) reported $46.8M in total revenue for fiscal year 2025. This represents a -7.4% 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's revenue growing?

Pathfinder Bancorp Inc (PBHC) revenue declined by 7.4% year-over-year, from $50.5M to $46.8M in fiscal year 2025.

Is Pathfinder Bancorp Inc profitable?

No, Pathfinder Bancorp Inc (PBHC) reported a net income of -$1.9M in fiscal year 2025, with a net profit margin of -4.1%.

How much debt does Pathfinder Bancorp Inc have?

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

What is Pathfinder Bancorp Inc's net profit margin?

Pathfinder Bancorp Inc (PBHC) had a net profit margin of -4.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Pathfinder Bancorp Inc pay dividends?

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

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

Pathfinder Bancorp Inc (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's free cash flow?

Pathfinder Bancorp Inc (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's operating cash flow?

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

What are Pathfinder Bancorp Inc's total assets?

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

What are Pathfinder Bancorp Inc's capital expenditures?

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

How many shares does Pathfinder Bancorp Inc have outstanding?

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

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

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

Pathfinder Bancorp Inc (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's P/E ratio?

Pathfinder Bancorp Inc (PBHC) trades at 734x earnings, its market capitalization divided by net income of $143K net income, trailing 12 months to June 30, 2026. The market capitalization is $104.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Pathfinder Bancorp Inc's price-to-sales ratio?

Pathfinder Bancorp Inc (PBHC) trades at 2.2x sales, its market capitalization divided by revenue of $48.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $104.9M as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

Pathfinder Bancorp Inc (PBHC) has a Piotroski F-Score of 4 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's earnings high quality?

Pathfinder Bancorp Inc (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?

Pathfinder Bancorp Inc (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.