Pathfinder Bancorp, Inc. (PBHC)

NASDAQ: PBHC · Real-Time Price · USD

16.76

-0.48 (-2.78%)

At close: Oct 21, 2026, 4:00 PM EDT

16.80

+0.04 (0.24%)

After-hours: Oct 21, 2026, 7:30 PM EDT

Pathfinder Bancorp Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	33.79	30.49	39.58	41.18	44.56	43.5
Revenue Growth	-13.40%	-22.96%	-3.89%	-7.59%	2.43%	30.17%
Net Income	0.17	-1.9	3.32	9.1	9.72	9.29
Earnings Per Share	0.03	-0.31	0.54	1.51	1.64	1.78
EPS Growth	-92.45%	-	-63.95%	-7.83%	-7.93%	51.97%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	29.94	32.68	37.66	53.32	45	37.01
Total Debt	180.99	105.92	136.51	211.61	152.57	109.7
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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	11.82	11.68	11.21	15.43	21.73	20.15
Capital Expenditures	-0.81	-1.26	-2.06	-1.97	-5.21	-1.21
Free Cash Flow	11.01	10.42	9.15	13.47	16.52	18.94
Free Cash Flow Growth	17.94%	13.88%	-32.07%	-18.51%	-12.77%	-58.18%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
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%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 22, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	0.400	0.400	0.400	0.360	0.360	0.280
Dividend Per Share Growth	0%	0%	11.11%	0%	28.57%	16.67%
Dividend Yield	2.39%	2.84%	2.30%	2.57%	1.89%	1.64%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Oct '26 Oct 22, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	613.96	-	32.20	9.35	11.72	10.89
P/FCF Ratio	9.56	8.36	11.67	6.32	6.90	5.34
PS Ratio	3.11	2.86	2.70	2.07	2.56	2.33