PBHC — Pathfinder Bancorp, Inc.

Nasdaq · Financials · Banks · CIK 1609065 ·
Last close
$14.00
Market Cap
$68.27M
52W High
$14.25
52W Low
$12.49
ADV30
2,917
Next earnings
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Mar 2026
Dec 2025 11,975,000 -5,564,000 1,426,636,000 31,170,000 1,304,185,000
Sep 2025 13,103,000 626,000 1,472,268,000 40,572,000 1,345,929,000
Jun 2025 9,296,000 31,000 1,505,119,000 31,475,000 1,380,706,000

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$11,677,000
Investing CF
$40,445,000
Financing CF
$-52,524,000
CapEx
$-1,260,000
Dividends Paid
$-2,460,000
Buybacks
EPS Diluted TTM
$-0.64
As of
2026-05-10

Balance + Analyst (yfinance extras)

Retained Earnings
$73,366,000
Inventory
Receivables
$6,328,000
ST Investments
$276,815,000
EBIT TTM
Pretax Income TTM
$-4,093,000
Interest Exp TTM
$32,318,000
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$29,972,000
EBITDA
Free Cash Flow
Enterprise Value
$122,912,296
Total Cash
$39,159,000
Total Debt
$75,106,000
Shares Out
4,876,213
Trailing EPS
$-0.41
Book Value
$19.80
ROE
-2.0%
ROA
-0.2%
Div Yield
2.88%

Annual Trend (SEC EDGAR, last 4y)

Revenues vs Net Income (last 4y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Dec 2025 46,982,000 -1,933,000 1,426,636,000 1,304,185,000 11,677,000
Dec 2024 46,113,000 3,383,000 1,474,874,000 1,353,391,000 11,209,000
Dec 2023 43,076,000 9,293,000 1,465,798,000 1,345,542,000 15,432,000
Dec 2022 46,661,000 12,932,000 1,399,921,000 1,288,339,000 21,733,000

TTM Snapshot

Revenues TTM
$20,894,000
NetIncome TTM
$2,787,000
OpCashFlow TTM
$0
Assets (Latest)
$749,034,000
Forward EPS

Peers — same industry

TickerNameMarket CapLastDaily %
OPHC OptimumBank Holdings, Inc. $67.35M $5.49
DWNX DELHI BANK CORP $71.26M $21.10
ASRV AMERISERV FINANCIAL INC /PA/ $64.46M $3.80
JUVF JUNIATA VALLEY FINANCIAL CORP $72.37M $14.38
STLE STEELE BANCORP INC $74.88M $40.29

News headlines (Yahoo Finance, 1h cache)

Pathfinder Bancorp, Inc. Announces Financial Results for the First Quarter of 2026
2026-04-29 20:10 · Yahoo
Pathfinder Bancorp, Inc. Declares Dividend
2026-03-30 20:05 · Yahoo
Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2025
2026-01-29 21:18 · Yahoo
Pathfinder Bancorp, Inc. Announces Third Quarter 2025 Results
2025-10-30 20:05 · Yahoo
Pathfinder Bancorp (NASDAQ:PBHC) Will Pay A Dividend Of $0.10
2025-10-03 10:36 · Yahoo
Investors in Pathfinder Bancorp (NASDAQ:PBHC) have seen respectable returns of 72% over the past five years
2025-09-24 13:06 · Yahoo
Pathfinder Bancorp, Inc. Announces Second Quarter 2025 Results
2025-07-30 20:24 · Yahoo
Pathfinder Bancorp's (NASDAQ:PBHC) Dividend Will Be $0.10
2025-07-05 12:14 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.