Pathfinder Bancorp, Inc. PBHC

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. (the "Company") is a Maryland corporation incorporated in 2014 and headquartered in Oswego, New York. The primary business of the Company is its investment in Pathfinder Bank (the "Bank") which is 100% owned by the Company. The Company is a registered bank holding company subject to supervision and regulation by the Board of Governors of the Federal Reserve System (the "Federal Reserve Board"). The Company is also subject to supervision and regulation by the New York State Department of Financial Services (the "NYSDFS").

The Company owns a non-consolidated Delaware statutory trust subsidiary, Pathfinder Statutory Trust II, of which 100% of the common equity is owned by the Company. Pathfinder Statutory Trust II was formed in connection with the issuance of $5.2 million in trust preferred securities.

Last close 16.72 2026-10-23
Market cap —
52-week range 12.06 - 18.30

Valuation FY2025 figures against the last close

P/S—
P/E—
P/FCF—
EV/EBITDA—
Dividend yield—
Diluted EPS—

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $76.7M$78.4M$67.7M$51.1M$45.8M$42.5M$41.8M$34.8M$29.4M$24.1M
SG&A $475.0K$539.0K$735.0K$688.0K$725.0K$507.0K$427.0K$422.0K$353.0K$329.0K
Interest expense $44.3M$41.0M$38.9M$9.7M$7.5M$10.9M$13.5M$9.0M$6.3M$3.8M
Pre-tax income -$4.1M$5.2M$11.8M$15.7M$16.0M$8.3M$5.5M$4.6M$4.3M$4.4M
Income tax $2.2M$332.0K$2.4M$2.7M$3.5M$2.7M$1.2M$546.0K$922.0K$1.1M
Net income -$1.9M$3.4M$9.3M$12.9M$12.4M$7.0M$4.3M$4.0M$3.5M$3.3M
EPS, basic —————1.170.800.970.860.79
EPS, diluted —————1.170.800.940.830.78
Shares, diluted (wtd. avg.) —————4.6M4.5M4.3M4.2M4.2M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $31.2M$31.6M$48.7M$35.3M$37.1M$43.5M$20.2M$26.3M$22.0M$22.4M
Property, plant and equipment $18.0M$19.0M$18.4M$17.9M$21.7M$22.3M$22.7M$20.6M$16.1M$15.2M
Goodwill $5.1M$5.1M$4.5M$4.5M$4.5M$4.5M$4.5M$4.5M$4.5M$4.5M
Other intangibles $5.4M$6.0M$85.0K$101.0K$117.0K$133.0K$149.0K$165.0K$182.0K$198.0K
Total assets $1.43B$1.47B$1.47B$1.40B$1.29B$1.23B$1.09B$933.1M$881.3M$749.0M
Short-term debt $44.0M$61.0M$125.7M$60.3M$12.5M$4.0M$25.1M$39.0M$30.6M$41.9M
Long-term debt $14.1M$27.1M$49.9M$55.7M$64.6M$78.0M$68.0M$79.5M$43.3M$17.0M
Total liabilities $1.30B$1.35B$1.35B$1.29B$1.17B$1.13B$1.00B$868.7M$819.1M$690.7M
Retained earnings $73.4M$77.8M$76.1M$71.3M$60.9M$50.3M$44.8M$42.1M$39.0M$35.6M
Total equity $122.5M$121.5M$120.3M$111.6M$110.6M$97.7M$90.7M$64.5M$62.1M$58.4M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $11.7M$11.2M$15.4M$21.7M$20.2M$46.6M$8.1M$9.0M$6.8M$6.4M
Depreciation and amortisation $1.4M$1.3M$1.4M$1.1M$1.8M$1.7M$1.5M$1.2M$1.0M$1.0M
Capital expenditure $1.3M$2.1M$2.0M$1.9M$1.2M$1.3M$3.6M$5.7M$2.0M$1.4M
Investing cash flow $40.4M-$22.4M-$54.8M-$131.2M-$70.0M-$149.2M-$162.8M-$52.0M-$133.9M-$121.5M
Financing cash flow -$52.5M-$6.0M$52.8M$107.6M$43.5M$126.0M$148.5M$47.4M$126.7M$122.3M
Dividends paid $1.9M$1.8M$1.7M$1.6M$1.2M$1.1M$1.1M$1.0M$884.0K$866.0K
Buybacks ————————$0$1.8M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-169428.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. -25M 0 25M 50M 75M 100M Revenue, FY2016: 24.1M Net income, FY2016: 3.3M Revenue, FY2017: 29.4M Net income, FY2017: 3.5M Revenue, FY2018: 34.8M Net income, FY2018: 4M Revenue, FY2019: 41.8M Net income, FY2019: 4.3M Revenue, FY2020: 42.5M Net income, FY2020: 7M Revenue, FY2021: 45.8M Net income, FY2021: 12.4M Revenue, FY2022: 51.1M Net income, FY2022: 12.9M Revenue, FY2023: 67.7M Net income, FY2023: 9.3M Revenue, FY2024: 78.4M Net income, FY2024: 3.4M Revenue, FY2025: 76.7M Net income, FY2025: -1.9M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $24.1M $29.4M $34.8M $41.8M $42.5M $45.8M $51.1M $67.7M $78.4M $76.7M
Gross profit — — — — — — — — — —
Net income $3.3M $3.5M $4.0M $4.3M $7.0M $12.4M $12.9M $9.3M $3.4M -$1.9M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Results announced Item 2.02
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Other event Item 8.01
  • Results announced Item 2.02
  • Results announced Item 2.02
  • Other event Item 8.01
  • Results announced Item 2.02

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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