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Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.57
-0.18 (-1.07%)
Nov 11, 2026, 4:00 PM EST - Market closed

Pathfinder Bancorp Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
36.0630.4939.5841.1844.5643.5
Revenue Growth
-18.34%-22.96%-3.89%-7.59%2.43%30.17%
Net Income
1.62-1.93.329.19.729.29
Earnings Per Share
0.26-0.310.541.511.641.78
EPS Growth
-78.46%--63.95%-7.83%-7.93%51.97%

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
41.732.6837.6653.324537.01
Total Debt
203.05105.92136.51211.61152.57109.7
Net Cash (Debt)
-161.35-73.25-98.85-158.28-107.57-72.69
Net Cash Growth
------
Net Cash Per Share
-25.59-11.79-16.22-26.24-18.11-13.92

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-11.6811.2115.4321.7320.15
Capital Expenditures
--1.26-2.06-1.97-5.21-1.21
Free Cash Flow
-10.429.1513.4716.5218.94
Free Cash Flow Growth
-13.88%-32.07%-18.51%-12.77%-58.18%

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
4.50%-6.22%8.38%22.11%21.82%21.35%
FCF Margin
-34.17%23.11%32.70%37.08%43.54%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '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
2.41%2.84%2.30%2.57%1.89%1.64%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
64.33-32.209.3511.7210.89
P/FCF Ratio
9.458.3611.676.326.905.34
PS Ratio
2.892.862.702.072.562.33