PBHC · Pathfinder Bancorp, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $140.0K | - | $132.0K | $60.0K | $114.0K | - | $123.0K | $123.0K | $170.0K | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $374.0K | - | - | - | $413.0K | - | - | - | $339.0K | - |
| Operating Income | $2.94M | - | $672.0K | $38.0K | $3.72M | - | ($5.79M) | $2.49M | $2.71M | - |
| Interest Expense | - | - | - | - | - | - | - | $9.54M | $9.21M | - |
| Income Tax | $530.0K | - | $46.0K | $7.0K | $744.0K | - | ($1.17M) | $481.0K | $532.0K | - |
| Net Income | $2.41M | - | $626.0K | $31.0K | $2.97M | - | ($4.64M) | $2.00M | $2.12M | - |
| EPS - Basic | - | - | - | - | - | - | - | - | - | - |
| EPS - Diluted | - | - | $0.41 | $0.41 | - | - | - | - | - | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $39.16M | $31.17M | $40.57M | $31.48M | $51.47M | $31.57M | $35.32M | $31.82M | $29.22M | $48.73M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.42B | $1.43B | $1.47B | $1.51B | $1.50B | $1.47B | $1.48B | $1.45B | $1.45B | $1.47B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $12.37M | $14.07M | $18.70M | $20.98M | $17.63M | $27.07M | $39.77M | $45.87M | $45.87M | $49.92M |
| Total Liabilities | $1.30B | $1.30B | $1.35B | $1.38B | $1.37B | $1.35B | $1.36B | $1.32B | $1.33B | $1.35B |
| Stockholders' Equity | $123.58M | $122.45M | $126.34M | $124.41M | $124.90M | $121.48M | $120.25M | $123.35M | $121.82M | $119.50M |
| Retained Earnings | $75.14M | $73.37M | $79.56M | $79.56M | $80.16M | $77.82M | $73.67M | $78.94M | $77.56M | $76.06M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | ($241.0K) | - | - | - | $5.70M | - | - | - | $504.0K | - |
| Investing Cash Flow | $11.24M | - | - | - | ($1.87M) | - | - | - | ($7.40M) | - |
| Financing Cash Flow | ($3.01M) | - | - | - | $16.07M | - | - | - | ($12.61M) | - |
| CapEx | $248.0K | - | - | - | $637.0K | - | - | - | $230.0K | - |
| Free Cash Flow | ($489.0K) | - | - | - | $5.06M | - | - | - | $274.0K | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | -0.20 | - | - | - | 1.70 | - | - | - | 0.13 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 18.0% | - | 6.8% | 18.4% | 20.0% | - | - | 19.4% | 20.1% | - |
| Return on assets | 0.2% | - | 0.0% | 0.0% | 0.2% | - | -0.3% | 0.1% | 0.1% | - |
| Return on equity | 2.0% | - | 0.5% | 0.0% | 2.4% | - | -3.9% | 1.6% | 1.7% | - |
| Return on invested capital | 1.8% | - | 0.4% | 0.0% | 2.1% | - | -2.9% | 1.2% | 1.3% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.10 | 0.11 | 0.15 | 0.17 | 0.14 | 0.22 | 0.33 | 0.37 | 0.38 | 0.42 |
| Debt / Assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
| Debt / EBITDA | 3.73 | - | - | - | 4.27 | - | - | - | 15.07 | - |
| Interest coverage | - | - | - | - | - | - | - | 0.3x | 0.3x | - |
| Equity multiplier | 11.51 | 11.65 | 11.65 | 12.10 | 11.97 | 12.14 | 12.33 | 11.72 | 11.93 | 12.27 |
| Liabilities / Assets | 0.91 | 0.91 | 0.91 | 0.92 | 0.92 | 0.92 | 0.92 | 0.91 | 0.92 | 0.92 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | 38.2x | 37.4x | - | - | - | - | - | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -20.8% | - | - | -98.5% | 37.4% | - | - | -0.5% | -19.1% | - |
| Net income growth (YoY) | -18.9% | - | - | -98.5% | 40.3% | - | - | 0.9% | -18.4% | - |
| EPS growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | 10.4% | 5.8% | - | - | - | - | - | - |
| FCF growth (YoY) | - | - | - | - | 1746.7% | - | - | - | -95.3% | - |
| FCF CAGR (5y) | - | - | - | - | -33.2% | - | - | - | -12.0% | - |
| Book value growth (YoY) | -1.1% | 0.8% | 5.1% | 0.9% | 2.5% | 1.7% | 5.7% | 8.4% | 9.1% | 7.7% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing Pathfinder Bancorp against the 5 most active filers in the same SIC group.
Dividends
$0.40/share trailing 12 months · 0.0% YoY
| Ex-date | Per share |
|---|---|
| Apr 17, 2026 | $0.1000 |
| Jan 16, 2026 | $0.1000 |
| Oct 17, 2025 | $0.1000 |
| Jul 18, 2025 | $0.1000 |
| Apr 17, 2025 | $0.1000 |
| Jan 17, 2025 | $0.1000 |
| Oct 18, 2024 | $0.1000 |
| Jul 19, 2024 | $0.1000 |
| Apr 18, 2024 | $0.1000 |
| Jan 11, 2024 | $0.0900 |
| Oct 19, 2023 | $0.0900 |
| Jul 20, 2023 | $0.0900 |
| Apr 21, 2023 | $0.0900 |
| Jan 13, 2023 | $0.0900 |
| Oct 13, 2022 | $0.0900 |
| Jul 14, 2022 | $0.0900 |
| Apr 21, 2022 | $0.0900 |
| Jan 13, 2022 | $0.0700 |
| Oct 14, 2021 | $0.0700 |
| Jul 15, 2021 | $0.0700 |
| Apr 14, 2021 | $0.0700 |
| Jan 14, 2021 | $0.0600 |
| Oct 15, 2020 | $0.0600 |
| Jul 16, 2020 | $0.0600 |