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Pathfinder Bancorp, Inc.

PBHC Nasdaq State Commercial Banks Financials FY2016–FY2025

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.

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Today
0.5%
Previous close
$16.72
Market cap
β€”
P/E
β€”
52-week range
$12.16 $18.29

Last close Β· Oct 26, 2026

$16.80

+$1.94 (+13.06%) past year

Share price

Pathfinder Bancorp, Inc.

What Pathfinder Bancorp, Inc. does

PBHC Β· State Commercial Banks

From its latest annual report

No business description yet.

Filing details

Legal name
Pathfinder Bancorp, Inc.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 30, 2026
Accession Β· CIK
0001193125-26-132075 Β· 0001609065

Earnings calendar Β· Pathfinder Bancorp, Inc.

Every quarter, companies publish how much they sold and earned. These are the days Pathfinder Bancorp, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

October 29, 2026

Thursday Β· in 2 days

Time
Time not announced
Covers
Period ended Sep 30, 2026
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Jul 30, 2026 Q2 '26 After the market closes 8-K β†—
Apr 29, 2026 Q1 '26 After the market closes 8-K β†—
Jan 29, 2026 Q4 '25 After the market closes 8-K β†—
Oct 30, 2025 Q3 '25 After the market closes 8-K β†—
Jul 30, 2025 Q2 '25 After the market closes 8-K β†—
May 15, 2025 Q1 '25 After the market closes 10-Q β†—
Jan 31, 2025 Q4 '24 After the market closes 8-K β†—
Oct 30, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

KIRA’s summary AI analyst

Hi! I read Pathfinder Bancorp, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 to watch

1.Sales and profit

See section β†’
  • 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.

2.Cash and shareholders

See section β†’
  • Pathfinder Bancorp, Inc. returned $1.9M to shareholders in fiscal 2025, 18% of free cash flow.
  • In the last 12 months, insiders bought $0.1M of shares on the open market and sold none.

Pathfinder Bancorp, Inc. in 30 seconds

Good So-so Weak

Weak

Are sales growing?

βˆ’7.4%

No. Sales fell 7.4% last year.

Weak

Does it make a profit?

βˆ’4.1%

No. It lost money last year.

Weak

How lean are its costs?

73.8%

Costly. Running costs take 73.8% of revenue.

Weak

How much does it earn on its capital?

βˆ’1.6%

Low. It earns βˆ’1.6% a year on shareholders’ money.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
β€”
Oct 26 close
P/E Last close divided by diluted earnings per share over the last four quarters.
β€”

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Efficiency ratio

Noninterest expense as a share of revenue. Lower is better for banks.

KIRA Β· It earned βˆ’1.6% on shareholders’ money. Running costs took 73.8% of revenue (the efficiency ratio; lower is better).

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Pathfinder Bancorp, Inc. lost $1.9M in fiscal 2025.

See the full section β†’

Return on equity

Net income as a share of average shareholders' equity.

KIRA Β· It earned βˆ’1.6% on shareholders’ money. Running costs took 73.8% of revenue (the efficiency ratio; lower is better).

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Revenue and margins

KIRA summarises the numbers

  • 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.

Revenue

Revenue

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

Net interest income share and efficiency ratio

Net interest share Efficiency ratio

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Net income and earnings per share

Loss periods are shown in red.

KIRA summarises the numbers

  • Pathfinder Bancorp, Inc. lost $1.9M in fiscal 2025.

Net income

Net income

Diluted EPS

Diluted EPS

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Cash and shareholders

How much cash comes in, and where does it go?

Dividends, buybacks and share count

KIRA summarises the numbers

  • Pathfinder Bancorp, Inc. returned $1.9M to shareholders in fiscal 2025, 18% of free cash flow.

Dividends and buybacks

Dividends Buybacks

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

KIRA summarises the numbers

  • In the last 12 months, insiders bought $0.1M of shares on the open market and sold none.

Bought, 12 months

$0.1M

4 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

DateInsiderTradeSharesPriceValueFiling
Jun 15, 2026 Joseph PolniakFVP, General Counsel Bought 1,000 $15.88 $0.0M Form 4
Jun 2, 2026 James A. DowdPresident and CEO Bought 1,400 $13.69 $0.0M Form 4
Feb 13, 2026 Adam C. GagasDirector Bought 1,950 $13.75 $0.0M Form 4
Feb 12, 2026 Adam C. GagasDirector Bought 6 $13.50 $0.0M Form 4
Feb 4, 2026 David A. AyoubDirector Bought 425 $12.83 $0.0M Form 4

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Loans, deposits and capital at each fiscal year end.

Loans and deposits

Loans Deposits
Fiscal year endFY21FY22FY23FY24FY25
Loans, net $832M$898M$897Mβ€”β€”
Deposits $1.1B$1.1B$1.1B$1.2B$1.2B
Loans / deposits 78.8%79.8%80.1%β€”β€”
Total assets $1.3B$1.4B$1.5B$1.5B$1.4B
Shareholders' equity $110M$111M$119M$121M$122M
Goodwill $4.5M$4.5M$4.5M$5.1M$5.1M
Intangible assets $0.1M$0.1M$0.1M$6.0M$5.4M
Provision / loans 0.1%0.3%0.3%β€”β€”

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Returns and efficiency

For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.

KIRA summarises the numbers

  • It earned βˆ’1.6% on shareholders’ money.

    Running costs took 73.8% of revenue (the efficiency ratio; lower is better).

Return on equity, return on tangible equity and efficiency ratio

ROE ROTE Efficiency ratio

In plain words: Return on equity is the profit made on shareholders’ money each year. The efficiency ratio is how much of each dollar of revenue goes on running costs, so lower is better.

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $24.5M $27.2M $29.6M $33.1M $38.1M $44.5M $47.3M $44.1M $50.6M $46.8M
Net interest income $20.3M $23.1M $25.8M $28.2M $31.6M $38.3M $41.4M $38.9M $41.0M $44.3M
Noninterest income $4.2M $4.1M $3.8M $4.9M $6.5M $6.2M $5.9M $5.2M $9.6M $2.5M
Noninterest expense $19.1M $21.1M $23.5M $25.7M $25.1M $27.5M $28.9M $29.4M $34.4M $34.6M
Provision for credit losses $1.0M $1.8M $1.5M $2.0M $4.7M $1.0M $2.8M $2.9M $11.0M $16.3M
Interest expense $3.8M $6.3M $9.0M $13.5M $10.9M $7.5M $9.7M $28.7M β€” β€”
Pretax income $4.4M $4.3M $4.6M $5.5M $8.3M $16.0M $15.7M $11.8M $5.2M βˆ’$4.1M
Income tax $1.1M $0.9M $0.5M $1.2M $2.7M $3.5M $2.7M $2.4M $0.3M βˆ’$2.2M
Net income $3.3M $3.5M $4.0M $4.3M $7.0M $12.4M $12.9M $9.3M $3.4M βˆ’$1.9M
Net income to common $3.3M $3.5M $4.0M $3.6M $5.4M β€” β€” β€” β€” β€”
Diluted EPS $0.78 $0.83 $0.94 $0.80 $1.17 β€” β€” β€” β€” β€”
Diluted shares 0.00B 0.00B 0.00B 0.00B 0.00B β€” β€” β€” β€” β€”
Cash flow
Cash from operations $6.4M $6.8M $9.0M $8.1M $46.6M $20.2M $21.7M $15.4M $11.2M $11.7M
Capital expenditure $1.4M $2.0M $5.7M $3.6M $1.3M $1.2M $1.9M $2.0M $2.1M $1.3M
Free cash flow $5.0M $4.9M $3.3M $4.5M $45.3M $18.9M $19.8M $13.5M $9.1M $10.4M
Depreciation and amortization $1.0M $1.0M $1.2M $1.5M $1.7M $1.8M $1.1M $1.4M $1.3M $1.4M
Acquisitions $0.0M β€” β€” β€” β€” β€” β€” β€” β€” β€”
Share buybacks $1.8M $0.0M β€” β€” β€” β€” β€” β€” β€” β€”
Dividends paid $0.9M $0.9M $1.0M $1.1M $1.1M $1.2M $1.6M $1.7M $1.8M $1.9M
Dividends and buybacks $2.6M $0.9M $1.0M $1.1M $1.1M $1.2M $1.6M $1.7M $1.8M $1.9M
Balance sheet
Cash and short-term investments $22.4M $22.0M $26.3M $20.2M $43.5M $37.1M $35.3M $48.7M $31.6M $31.2M
Total debt $58.9M $73.9M $119M $93.1M $82.1M $77.1M $116M $176M $88.1M $58.1M
Finance lease liabilities β€” β€” β€” $0.6M $0.6M $0.6M $4.4M $4.4M $16.7M $16.4M
Loans, net $492M $581M $620M $746M $824M $832M $898M $897M β€” β€”
Deposits $611M $724M $727M $882M $996M $1.1B $1.1B $1.1B $1.2B $1.2B
Property and equipment, net $15.2M $16.1M $20.6M $22.7M $22.3M $21.7M $17.9M $18.4M $19.0M $18.0M
Goodwill $4.5M $4.5M $4.5M $4.5M $4.5M $4.5M $4.5M $4.5M $5.1M $5.1M
Intangible assets $0.2M $0.2M $0.2M $0.1M $0.1M $0.1M $0.1M $0.1M $6.0M $5.4M
Total assets $749M $881M $933M $1.1B $1.2B $1.3B $1.4B $1.5B $1.5B $1.4B
Total liabilities $691M $819M $869M $1.0B $1.1B $1.2B $1.3B $1.3B $1.4B $1.3B
Preferred stock $0.0M β€” β€” $0.0M $0.0M β€” β€” β€” β€” β€”
Shareholders' equity $57.9M $61.8M $64.2M $90.4M $97.5M $110M $111M $119M $121M $122M
Margins
Net margin 13.4% 12.8% 13.6% 12.9% 18.2% 27.9% 27.3% 21.1% 6.7% βˆ’4.1%
FCF margin 20.5% 17.9% 11.1% 13.6% 118.8% 42.5% 41.9% 30.5% 18.1% 22.2%
Net interest share of revenue 82.9% 85.0% 87.0% 85.2% 83.0% 86.0% 87.5% 88.2% 81.1% 94.7%
Efficiency ratio 78.1% 77.5% 79.6% 77.6% 65.8% 61.8% 61.0% 66.6% 68.1% 73.8%
Returns
Return on equity 5.6% 5.8% 6.4% 5.5% 7.4% 11.9% 11.7% 8.1% 2.8% βˆ’1.6%
Return on assets 0.4% 0.4% 0.4% 0.4% 0.6% 1.0% 1.0% 0.6% 0.2% βˆ’0.1%
Return on tangible equity 6.1% 6.1% 6.8% 4.2% 5.8% 11.7% 12.2% 8.1% 3.1% βˆ’1.7%
Growth
Revenue growth β€” 11.2% 8.8% 12.0% 15.0% 16.8% 6.3% βˆ’6.8% 14.6% βˆ’7.4%
Net income growth β€” 6.7% 15.5% 6.1% 62.5% 78.5% 4.2% βˆ’28.1% βˆ’63.6% βˆ’157.1%
EPS growth β€” 6.4% 13.3% βˆ’14.9% 46.3% β€” β€” β€” β€” β€”
FCF growth β€” βˆ’2.8% βˆ’32.4% 37.5% 901.3% βˆ’58.2% 4.7% βˆ’32.1% βˆ’32.1% 13.9%
Share count change β€” βˆ’0.0% 1.8% 4.6% 3.2% β€” β€” β€” β€” β€”
Financial health
Debt / equity 1.0x 1.2x 1.8x 1.0x 0.8x 0.7x 1.0x 1.5x 0.7x 0.5x
Loans / deposits 80.6% 80.3% 85.3% 84.5% 82.7% 78.8% 79.8% 80.1% β€” β€”
Provision / loans 0.2% 0.3% 0.2% 0.3% 0.6% 0.1% 0.3% 0.3% β€” β€”
Capital allocation
Capex / revenue 5.6% 7.3% 19.2% 10.8% 3.3% 2.7% 4.0% 4.5% 4.1% 2.7%
Payouts / FCF 52.3% 18.2% 31.2% 24.1% 2.5% 6.5% 7.9% 12.6% 20.1% 18.3%
Quality scores
Piotroski F-score β€” 4.0 5.0 4.0 6.0 β€” β€” β€” β€” β€”
Accruals ratio βˆ’0.4% βˆ’0.4% βˆ’0.5% βˆ’0.4% βˆ’3.4% βˆ’0.6% βˆ’0.7% βˆ’0.4% βˆ’0.5% βˆ’0.9%

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Source: SEC EDGAR XBRL filings (CIK 0001609065). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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