Pathfinder Bancorp, Inc.
PBHC Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$16.72
KIRA · Stoqly’s AI analyst, in plain words
- Pathfinder Bancorp, Inc. had $46.8M of revenue in fiscal 2025, down 7.4% on the year before. Over five years, revenue changed +4.2% a year on average.
- Pathfinder Bancorp, Inc. lost $1.9M in fiscal 2025.
- Pathfinder Bancorp, Inc. returned $1.9M to shareholders in fiscal 2025, 18% of free cash flow.
- It earned −1.6% on shareholders’ money. Running costs took 73.8% of revenue (the efficiency ratio; lower is better).
Market cap
—
P/E
—
Revenue
$46.8M
Net income
−$1.9M
Return on equity
−1.6%
Efficiency ratio
73.8%
Pathfinder Bancorp, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−7.4%
No. Sales fell 7.4% last year.
Does it make a profit?
−4.1%
No. It lost money last year.
How lean are its costs?
73.8%
Costly. Running costs take 73.8% of revenue.
How much does it earn on its capital?
−1.6%
Low. It earns −1.6% a year on shareholders’ money.
What Pathfinder Bancorp, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 30, 2026
- Legal name
- Pathfinder Bancorp, Inc.
- CIK
- 0001609065
Pathfinder Bancorp, Inc. · PBHC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $44.5M | $47.3M | $44.1M | $50.6M | $46.8M |
| Revenue growth | 16.8% | 6.3% | −6.8% | 14.6% | −7.4% |
| Net interest income | $38.3M | $41.4M | $38.9M | $41.0M | $44.3M |
| Net income | $12.4M | $12.9M | $9.3M | $3.4M | −$1.9M |
| Net margin | 27.9% | 27.3% | 21.1% | 6.7% | −4.1% |
| Cash | |||||
| Cash from operations | $20.2M | $21.7M | $15.4M | $11.2M | $11.7M |
| Capital expenditure | $1.2M | $1.9M | $2.0M | $2.1M | $1.3M |
| Free cash flow | $18.9M | $19.8M | $13.5M | $9.1M | $10.4M |
| FCF margin | 42.5% | 41.9% | 30.5% | 18.1% | 22.2% |
| Dividends paid | $1.2M | $1.6M | $1.7M | $1.8M | $1.9M |
| Debt and strength | |||||
| Cash and short-term investments | $37.1M | $35.3M | $48.7M | $31.6M | $31.2M |
| Debt incl. finance leases | $77.7M | $120M | $180M | $105M | $74.5M |
| Loans, net | $832M | $898M | $897M | — | — |
| Deposits | $1.1B | $1.1B | $1.1B | $1.2B | $1.2B |
| Shareholders' equity | $110M | $111M | $119M | $121M | $122M |
| Returns and quality | |||||
| Return on equity | 11.9% | 11.7% | 8.1% | 2.8% | −1.6% |
| Return on tangible equity | 11.7% | 12.2% | 8.1% | 3.1% | −1.7% |
| Efficiency ratio | 61.8% | 61.0% | 66.6% | 68.1% | 73.8% |
Insiders bought, 12 months
$0.1M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Pathfinder Bancorp, Inc. · PBHC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $16.72 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0001609065). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.