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Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.71
+0.41 (2.52%)
Sep 9, 2026, 4:00 PM EDT - Market closed

Pathfinder Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
33.7930.4939.5841.1844.5643.5
Revenue Growth
-13.40%-22.96%-3.89%-7.59%2.43%30.17%
Net Income
0.17-1.93.329.19.729.29
Earnings Per Share
0.03-0.310.541.511.641.78
EPS Growth
-92.45%--63.95%-7.83%-7.93%51.97%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
29.9432.6837.6653.324537.01
Total Debt
180.99105.92136.51211.61152.57109.7
Net Cash (Debt)
-151.05-73.25-98.85-158.28-107.57-72.69
Net Cash Growth
------
Net Cash Per Share
-24.11-11.79-16.22-26.24-18.11-13.92

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
11.8211.6811.2115.4321.7320.15
Capital Expenditures
-0.81-1.26-2.06-1.97-5.21-1.21
Free Cash Flow
11.0110.429.1513.4716.5218.94
Free Cash Flow Growth
17.94%13.88%-32.07%-18.51%-12.77%-58.18%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
0.51%-6.22%8.38%22.11%21.82%21.35%
FCF Margin
32.59%34.17%23.11%32.70%37.08%43.54%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.4000.4000.4000.3600.3600.280
Dividend Per Share Growth
0%0%11.11%0%28.57%16.67%
Dividend Yield
2.39%2.89%2.39%2.77%2.07%1.83%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
613.54-32.209.3511.7210.89
P/FCF Ratio
9.538.3611.676.326.905.34
PS Ratio
3.112.862.702.072.562.33