PBHC

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Pathfinder Bancorp, Inc.

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Key Metrics

Previous Close: $16.88
52-Week Range: $12.06 – $18.30
Market Cap: $109.44M
P/E (TTM): 1743.00
EPS (TTM): 0.01
Dividend Yield: 2.29%

Advanced Metrics

Price/Book: 0.87
PEG Ratio: —
Return on Equity: 0.11%
Return on Assets: 0.01%
Gross Margin: 0.00%
Operating Margin: 29.40%
Profit Margin: 0.42%
Current Ratio: —
Debt/Equity: —
Total Debt: $180.99M
Free Cash Flow: —
Revenue Growth: 47.10%
Earnings Growth: 8256.30%
Enterprise Value: $260.48M

PBHC Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$46.66M	$43.08M	$46.11M	$46.98M
Selling, General & Admin	$17.53M	$17.48M	$19.33M	$19.97M
Pretax Income	$15.69M	$11.78M	$5.16M	-$4.09M
Income Tax	$2.66M	$2.36M	$332.00K	-$2.16M
Net Income	$12.93M	$9.29M	$3.38M	-$1.93M
Diluted EPS	2.13	1.51	0.60	-0.54
Diluted Shares	4.56M	4.65M	4.71M	4.78M

PBHC Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$35.28M	$48.73M	$31.57M	$31.17M
Receivables	$6.17M	$7.29M	$6.88M	$6.33M
Total Assets	$1.40B	$1.47B	$1.47B	$1.43B
Long-Term Debt	$85.40M	$79.83M	$57.17M	$44.23M
Total Debt	$152.57M	$211.60M	$136.51M	$105.92M
Total Liabilities	$1.29B	$1.35B	$1.35B	$1.30B
Retained Earnings	$71.32M	$76.06M	$77.82M	$73.37M
Shareholders' Equity	$111.00M	$119.50M	$121.48M	$122.45M
Net Debt	$110.45M	$156.78M	$86.60M	$57.06M

PBHC Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$21.73M	$15.43M	$11.21M	$11.68M
Capital Expenditure	-$5.21M	-$1.97M	-$8.33M	-$1.26M
Free Cash Flow	$16.52M	$13.47M	$2.88M	$10.42M
Depreciation & Amortisation	$700.00K	$1.34M	$1.34M	$2.40M
Stock-Based Compensation	$626.00K	$462.00K	$247.00K	$985.00K
Investing Cash Flow	-$131.16M	-$54.79M	-$22.40M	$40.45M
Financing Cash Flow	$107.56M	$52.81M	-$5.97M	-$52.52M
Dividends Paid	-$2.04M	-$2.19M	-$2.38M	-$2.46M
Net Change in Cash	-$1.87M	$13.45M	-$17.16M	-$402.00K

PBHC Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$9.29M	$13.10M	$11.97M	$11.47M	$11.78M
Selling, General & Admin	$4.60M	$5.26M	$5.28M	$5.15M	$4.95M
Pretax Income	$38.00K	$672.00K	-$8.52M	$2.94M	$3.25M
Income Tax	$7.00K	$46.00K	-$2.96M	$530.00K	$585.00K
Net Income	$31.00K	$626.00K	-$5.56M	$2.41M	$2.67M
Diluted EPS	0.00	0.10	-1.12	0.38	0.42
Diluted Shares	4.77M	4.79M	4.80M	4.88M	4.96M

PBHC Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$31.48M	$40.57M	$31.17M	$39.16M	$26.05M
Receivables	$6.89M	$6.50M	$6.33M	$5.83M	$6.51M
Total Assets	$1.51B	$1.47B	$1.43B	$1.42B	$1.49B
Long-Term Debt	$51.18M	$48.96M	$44.23M	$42.53M	$38.53M
Total Debt	$144.56M	$104.77M	$105.92M	$75.11M	$180.99M
Total Liabilities	$1.38B	$1.35B	$1.30B	$1.30B	$1.37B
Retained Earnings	$79.56M	$79.56M	$73.37M	$75.14M	$77.18M
Shareholders' Equity	$124.41M	$126.34M	$122.45M	$123.58M	$125.74M
Net Debt	$95.21M	$46.39M	$57.06M	$18.37M	$137.48M

PBHC Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	-$3.74M	$7.05M	$2.67M	-$241.00K	$2.35M
Capital Expenditure	-$224.00K	-$126.00K	-$273.00K	-$248.00K	-$165.00K
Free Cash Flow	-$3.96M	$6.92M	$2.40M	-$489.00K	$2.18M
Depreciation & Amortisation	$513.00K	$818.00K	$403.00K	$639.00K	$625.00K
Stock-Based Compensation	$286.00K	$235.00K	$290.00K	$260.00K	$278.00K
Investing Cash Flow	-$25.14M	$39.16M	$28.29M	$11.24M	-$83.61M
Financing Cash Flow	$8.88M	-$37.12M	-$40.36M	-$3.01M	$68.16M
Dividends Paid	-$615.00K	-$202.00K	-$1.03M	-$618.00K	-$626.00K
Net Change in Cash	-$19.99M	$9.10M	-$9.40M	$7.99M	-$13.11M

Market Snapshot

About

Pathfinder Bancorp, Inc. is the holding company for Pathfinder Bank, a community-oriented financial institution serving central and northern New York. The bank offers commercial and consumer banking services including business loans, residential mortgages, deposit products, and online banking solutions.