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Financials · PBHC

Pathfinder Bancorp Inc. (PBHC) financials

For fiscal 2025 (ended Dec 31, 2025), Pathfinder Bancorp Inc. reported -$1.93M of net income.

Net income, FY2025
-$1.93M
Free cash flow, FY2025
$10.42M
Cash
$26.05M
Total debt
$133.37M
Market cap
$82.0M
Annual revenue$372.00M
FY2016FY2025
Annual net income-$1.93M
FY2016FY2025
Annual free cash flow$10.42M
FY2016FY2025

PBHC revenue and earnings growth

PBHC revenueQ2 2026$11.76M

Quarter YoY
+26.5%
QoQ
+2.6%
FY YoY
+91.8%
5Y CAGR
+57.7%
10Y CAGR
+32.1%

PBHC revenue was $11.76M in fiscal Q2 2026 (ended Jun 30, 2026), up 26.5% from a year earlier and up 2.6% from the prior quarter. For the full fiscal 2025 it was $372.00M, up 91.8% from fiscal 2024. Compound annual growth was +57.7% over 5 years and +32.1% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 13 fiscal years on file.

PBHC net incomeQ2 2026$2.67M

Quarter YoY
86x
QoQ
+10.6%

PBHC net income was $2.67M in fiscal Q2 2026 (ended Jun 30, 2026), up about 86-fold from a year earlier and up 10.6% from the prior quarter. For the full fiscal 2025 it was -$1.93M, compared with $3.38M in fiscal 2024.

PBHC EPSQ3 2025$0.47

FY YoY
+46.2%
5Y CAGR
+12.1%

PBHC diluted EPS was $0.47 in fiscal Q3 2025 (ended Sep 30, 2025). For the full fiscal 2020 it was $1.17, up 46.2% from fiscal 2019. Compound annual growth was +12.1% over 5 years.

PBHC free cash flowQ2 2026$2.18M

FY YoY
+13.9%
5Y CAGR
-25.5%
10Y CAGR
+11.0%

PBHC free cash flow was $2.18M in fiscal Q2 2026 (ended Jun 30, 2026), compared with -$3.96M a year earlier. For the full fiscal 2025 it was $10.42M, up 13.9% from fiscal 2024. Compound annual growth was -25.5% over 5 years and +11.0% over 10 years. It rose in 5 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$372.00M$194.00M$44.11M$47.32M$44.53M$38.13M$33.15M$29.60M$27.21M$24.47M
Selling, general and admin$475.0K$539.0K$735.0K$688.0K$725.0K$507.0K$427.0K$422.0K$353.0K$329.0K
Interest expense--$28.74M$9.70M$7.53M$10.86M$13.53M$9.04M$6.29M$3.80M
Pre-tax income-$4.09M$5.16M$11.78M$15.69M$16.01M$8.34M$5.45M$4.55M$4.34M$4.41M
Income tax-$2.16M$332.0K$2.36M$2.66M$3.50M$2.66M$1.17M$546.0K$922.0K$1.11M
Net income-$1.93M$3.38M$9.29M$12.93M$12.41M$6.95M$4.28M$4.03M$3.49M$3.27M
EPS, basic-----$1.17$0.80$0.97$0.86$0.79
EPS, diluted-----$1.17$0.80$0.94$0.83$0.78
Diluted shares-----4.6M4.5M4.3M4.2M4.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$31.17M$31.57M$48.73M$35.28M$37.15M$43.46M$20.16M$26.32M$21.99M$22.42M
Goodwill$5.06M$5.06M$4.54M$4.54M$4.54M$4.54M$4.54M$4.54M$4.54M$4.54M
Total assets$1.43B$1.47B$1.47B$1.40B$1.29B$1.23B$1.09B$933.12M$881.26M$749.03M
Short-term debt$44.00M$61.00M$125.68M$60.33M$12.50M$4.02M$25.14M$39.00M$30.60M$41.95M
Long-term debt$14.07M$27.07M$49.92M$55.66M$64.60M$78.03M$67.99M$79.53M$43.29M$17.00M
Total debt$58.07M$88.07M$175.60M$116.00M$77.10M$82.05M$93.13M$118.53M$73.89M$58.95M
Total liabilities$1.30B$1.35B$1.35B$1.29B$1.17B$1.13B$1.00B$868.66M$819.11M$690.67M
Shareholders' equity$122.45M$121.48M$120.26M$111.58M$110.63M$97.72M$90.67M$64.46M$62.14M$58.36M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$11.68M$11.21M$15.43M$21.73M$20.15M$46.56M$8.12M$8.98M$6.84M$6.37M
Capital expenditures$1.26M$2.06M$1.97M$1.90M$1.21M$1.26M$3.60M$5.69M$1.98M$1.36M
Free cash flow$10.42M$9.15M$13.47M$19.84M$18.94M$45.30M$4.52M$3.29M$4.87M$5.01M
Investing cash flow$40.45M-$22.40M-$54.79M-$131.16M-$69.95M-$149.22M-$162.81M-$52.02M-$133.94M-$121.46M
Financing cash flow-$52.52M-$5.97M$52.81M$107.56M$43.48M$125.97M$148.53M$47.37M$126.67M$122.26M
Dividends paid$1.91M$1.84M$1.69M$1.57M$1.23M$1.14M$1.09M$1.02M$884.0K$866.0K
Share repurchases--------$0$1.75M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY91.8%339.8%-6.8%6.3%16.8%15.0%12.0%8.8%11.2%6.7%
Net income growth, YoY--63.6%-28.1%4.2%78.5%62.5%6.1%15.5%6.7%13.3%
EPS growth, YoY-----46.2%-14.9%13.3%6.4%18.2%
Net margin-0.5%1.7%21.1%27.3%27.9%18.2%12.9%13.6%12.8%13.4%
Free cash flow margin2.8%4.7%30.5%41.9%42.5%118.8%13.6%11.1%17.9%20.5%
Return on equity-1.6%2.8%7.7%11.6%11.2%7.1%4.7%6.3%5.6%5.6%
Return on assets-0.1%0.2%0.6%0.9%1.0%0.6%0.4%0.4%0.4%0.4%
Debt to equity0.470.721.461.040.700.841.031.841.191.01

Source: XBRL data Pathfinder Bancorp Inc. files with the SEC, latest filing dated Aug 13, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PBHC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PBHC---$1.93M-$82.0M
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

PBHC FAQ

6 questions
  • Is PBHC profitable?
    No. Pathfinder Bancorp Inc. reported a net loss of $1.93M for fiscal 2025 (ended Dec 31, 2025).
  • How much cash and debt does PBHC have?
    Pathfinder Bancorp Inc. reported $26.05M in cash and cash equivalents and $133.37M of debt on its most recent balance sheet in SEC filings.
  • How fast is PBHC revenue growing?
    Pathfinder Bancorp Inc.'s revenue changed +91.8% in fiscal 2025, to $372.00M. Its compound annual growth rate was +57.7% over 5 years and +32.1% over 10 years.
  • What is PBHC free cash flow?
    Pathfinder Bancorp Inc. generated $10.42M of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of $11.68M less capital expenditures.
  • When did PBHC last report financial results?
    The latest statements here come from Pathfinder Bancorp Inc.'s 10-Q filed on Aug 13, 2026, covering the period ended Jun 30, 2026.
  • Where does this PBHC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Pathfinder Bancorp Inc. files with the SEC. It is provided for information only and is not investment advice.