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Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 19,364 | 1670.0 | 0.83 | 0.86 | 1,585.63 |
| Oct 2026 | 19,364 | 1670.0 | 0.83 | 0.86 | 1,585.86 |
| Oct 2026 | 19,364 | 1670.0 | 0.83 | 0.86 | 1,581.75 |
| Oct 2026 | 19,149 | 1724.0 | 0.86 | 0.86 | 1,634.63 |
| Oct 2026 | 19,149 | 1724.0 | 0.86 | 0.86 | 1,634.63 |
| Oct 2026 | 19,340 | 1676.0 | 0.84 | 0.86 | 1,585.20 |
| Oct 2026 | 19,160 | 1721.2 | 0.86 | 0.86 | 1,624.65 |
Pathfinder Bancorp, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 11,782,000.0 | 11,467,000.0 | 11,975,000.0 | 13,103,000.0 |
| Net Profit | 2,668,000.0 | 2,413,000.0 | -5,564,000.0 | 626,000.0 |
| EPS | 0.4 | 0.4 | -1.1 | 0.1 |
Pathfinder Bancorp, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 46,982,000.0 | 46,113,000.0 | 43,076,000.0 | 46,661,000.0 | — |
| Net Profit | -1,933,000.0 | 3,383,000.0 | 9,293,000.0 | 12,932,000.0 | — |
| EPS | -0.5 | 0.6 | 1.5 | 2.1 | — |
Pathfinder Bancorp, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 1,426,636,000.0 | 1,474,874,000.0 | 1,465,798,000.0 | 1,399,921,000.0 | — |
| Total Liabilities | 1,304,185,000.0 | 1,353,391,000.0 | 1,345,542,000.0 | 1,288,339,000.0 | — |
| Total Equity | 122,451,000.0 | 121,483,000.0 | 119,495,000.0 | 110,997,000.0 | — |
Owes vs Owns
Pathfinder Bancorp, Inc. owed $0.92 for every $1 it owned in Jun 2026, about the same as $0.92 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.92× | 0.91× | 0.92× | 0.92× | 0.92× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Pathfinder Bancorp, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 21.6%Fixed assets (tangible) 2.5%Intangible assets 0.7%Long-term investments 29.0%Other assets 45.8%
How it's funded — Dec 2025
Short-term debt 3.1%Long-term debt 3.1%Other liabilities 85.2%Shareholders' equity 8.6%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 308.0 | 300.9 | 307.4 | 227.0 |
| Receivables | 6.3 | 6.9 | 7.3 | 6.2 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 35.0 | 37.1 | 24.0 | 24.2 |
| Intangible assets | 10.4 | 11.0 | 4.6 | 4.6 |
| Long-term investments | 413.2 | 432.1 | 441.2 | 388.0 |
| Other assets | 653.7 | 686.9 | 681.2 | 749.9 |
| Liabilities & equity | ||||
| Short-term debt | 44.0 | 61.0 | 125.7 | 60.3 |
| Long-term debt | 44.2 | 57.2 | 79.8 | 85.4 |
| Payables | 0.4 | 0.5 | 2.2 | 1.0 |
| Other liabilities | 1,215.5 | 1,234.7 | 1,137.8 | 1,141.6 |
| Shareholders' equity | 122.5 | 121.5 | 120.3 | 111.6 |
| Net tangible assets | 112.0 | 110.4 | 114.9 | 106.4 |
Pathfinder Bancorp, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 11,677,000.0 | 11,209,000.0 | 15,432,000.0 | 21,733,000.0 | — |
| Investing Activities | 40,445,000.0 | -22,398,000.0 | -54,788,000.0 | -131,160,000.0 | — |
| Financing Activities | -52,524,000.0 | -5,971,000.0 | 52,806,000.0 | 107,560,000.0 | — |