Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Cash And Due From Banks | 11 | 14 | 12 | 19 | 16 | 19 | 14 | 19 | 12 | 14 | 12 | 13 | |||||
Interest Bearing Deposits In Banks | 15 | 25 | 20 | 21 | 15 | 33 | 18 | 16 | 20 | 16 | 36 | 12 | |||||
Cash And Cash Equivalents At Carrying Value | 26 | 39 | 31 | 41 | 31 | 51 | 32 | 35 | 32 | 29 | 49 | 24 | |||||
Held To Maturity Securities | 111 | 122 | 130 | 143 | 158 | 156 | 159 | 161 | 166 | 173 | 179 | 186 | |||||
Marketable Securities | 6 | 6 | 6 | 5 | 5 | 4 | 4 | 4 | 4 | 3 | 3 | 3 | |||||
Federal Home Loan Bank Stock | 7 | 2 | 3 | 3 | 5 | 3 | 5 | 5 | 9 | 7 | 9 | 6 | |||||
Loans And Leases Receivable Net Of Deferred Income | - | - | - | - | - | - | - | - | - | 892 | 897 | 896 | |||||
Loans Receivable Held For Sale Amount | - | - | - | - | - | - | - | - | - | - | 0 | 0 | |||||
Assets | |||||||||||||||||
Assets | 1,493 | 1,422 | 1,427 | 1,472 | 1,505 | 1,495 | 1,475 | 1,483 | 1,446 | 1,454 | 1,466 | 1,401 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | 17 | 16 | 16 | |||||
Mortgages Held For Sale Fair Value Disclosure | 6 | 6 | 6 | - | - | - | 0 | - | - | - | - | - | |||||
Notes Receivable Net | 862 | 866 | 867 | 880 | 894 | 895 | 902 | 904 | 871 | 875 | 881 | 880 | |||||
Assets Held For Sale Not Part Of Disposal Group Cu… | - | - | - | - | - | - | 0 | 0 | 3 | 3 | 3 | 3 | |||||
Property Plant And Equipment Net | 18 | 18 | 18 | 19 | 19 | 19 | 19 | 19 | 19 | 18 | 18 | 18 | |||||
Operating Lease Right Of Use Asset | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | |||||
Finance Lease Right Of Use Asset | - | 16 | 16 | 16 | 16 | 16 | 17 | 17 | 4 | 4 | 4 | 4 | |||||
Interest Receivable Current | 7 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | |||||
Foreclosed Assets | 0 | 0 | 0 | 0 | 0 | - | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Intangible Assets Net Excluding Goodwill | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 0 | 0 | 0 | 0 | |||||
Goodwill | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 5 | 5 | 5 | 5 | |||||
Bank Owned Life Insurance | 32 | 32 | 31 | 31 | 31 | 25 | 25 | 25 | 25 | 25 | 25 | 24 | |||||
Other Assets | 25 | 25 | 23 | 22 | 23 | 22 | 25 | 20 | 25 | 24 | 22 | 31 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Interest Bearing Deposit Liabilities | 961 | 1,005 | 987 | 1,029 | 1,030 | 1,061 | 991 | 986 | 932 | 970 | 950 | 953 | |||||
Deposits | |||||||||||||||||
Deposits | 1,174 | 1,212 | 1,184 | 1,225 | 1,222 | 1,264 | 1,205 | 1,196 | 1,101 | 1,146 | 1,120 | 1,128 | |||||
Noninterest Bearing Deposit Liabilities | 214 | 207 | 196 | 196 | 192 | 203 | 214 | 210 | 169 | 176 | 170 | 175 | |||||
Short Term Borrowings | 125 | 15 | 44 | 38 | 76 | 27 | 61 | 60 | 128 | 92 | 126 | 57 | |||||
Long Term Debt Noncurrent | 8 | 12 | 14 | 19 | 21 | 18 | 27 | 40 | 46 | 46 | 50 | 54 | |||||
Junior Subordinated Debenture Owed To Unconsolidat… | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | 30 | |||||
Interest Payable Current And Noncurrent | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 0 | 2 | 2 | 2 | 2 | |||||
Operating Lease Liability | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||
Finance Lease Liability | - | 16 | 16 | 16 | 17 | 17 | 17 | 17 | 4 | 4 | 4 | 4 | |||||
Other Liabilities | 11 | 11 | 14 | 15 | 13 | 12 | 12 | 17 | 9 | 10 | 12 | 10 | |||||
Liabilities | 1,367 | 1,298 | 1,304 | 1,346 | 1,381 | 1,370 | 1,353 | 1,362 | 1,322 | 1,331 | 1,346 | 1,286 | |||||
Additional Paid In Capital | 56 | 55 | 54 | 54 | 54 | 53 | 53 | 53 | 53 | 53 | 53 | 53 | |||||
Retained Earnings Accumulated Deficit | 77 | 75 | 73 | 80 | 80 | 80 | 78 | 74 | 79 | 78 | 76 | 74 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -7 | -7 | -5 | -7 | -9 | -8 | -9 | -7 | -9 | -9 | -10 | -13 | |||||
Unearned E S O P Shares | - | - | - | - | - | - | 0 | 0 | -0 | -0 | -0 | -0 | |||||
Liabilities And Stockholders Equity | 1,493 | 1,422 | 1,427 | 1,472 | 1,505 | 1,495 | 1,475 | 1,483 | 1,446 | 1,454 | 1,466 | 1,401 | |||||
Minority Interest | - | - | - | - | - | - | 0 | 1 | 1 | 1 | 1 | 1 | |||||
Held To Maturity Securities Fair Value | - | - | 125 | - | - | - | 151 | - | - | - | 168 | - | |||||
Stockholders Equity | |||||||||||||||||
Stockholders Equity | 126 | 124 | 122 | 126 | 124 | 125 | 121 | 121 | 123 | 122 | 119 | 114 | |||||
Common Stock Shares Issued | - | - | 5 | - | - | - | 5 | - | - | - | 5 | - | |||||
Shares Outstanding | - | - | 5 | - | - | - | 5 | - | - | - | 5 | - | |||||
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.82% | 19.72% | 21.43% | - | - | - | - | - | - | - | - | - |
| 2025 | 1.33% | 0.33% | -2.15% | 2.04% | 4.08% | 2.85% | -4.98% | -4.92% | -7.23% | 5.88% | 9.83% | 33.30% |
| 2024 | 5.24% | 5.00% | 25.12% | 6.15% | 6.49% | 14.86% | 1.11% | 2.34% | -1.74% | -8.17% | -6.33% | -10.55% |
| 2023 | - | - | - | - | - | - | 5.08% | 5.95% | 6.19% | 0.80% | -0.95% | 3.81% |
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Performance and Valuation Metrics
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Insider Transactions
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Pathfinder Bancorp, Inc. (PBHC) — SEC Financial Statements & Analysis
Pathfinder Bancorp, Inc. (PBHC) is a state commercial banks company, incorporated in MD. Pathfinder Bancorp, Inc. trades on Nasdaq as: PBHC. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Pathfinder Bancorp, Inc. reported a 1139.78% year-over-year revenue growth, a Gross Profit Margin of -59.21% (TTM), a Price-to-Sales (P/S) ratio of 43.16x (TTM), a Price-to-Book (P/B) ratio of 0.54x (TTM), at a market cap of $66.42M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 1139.78%
- Gross Profit Margin TTM
- -59.21%
- P/S TTM
- 43.16x
- P/B TTM
- 0.54x
- Market Cap
- $66.42M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Pathfinder Bancorp, Inc. in?
Pathfinder Bancorp, Inc. (PBHC) operates in the State Commercial Banks industry.
What is PBHC's market cap?
Pathfinder Bancorp, Inc. (PBHC) has a market capitalization of $66.42M as of 2025-12-31.
What exchange does PBHC trade on?
Pathfinder Bancorp, Inc. (PBHC) trades on the Nasdaq.
Where is Pathfinder Bancorp, Inc. incorporated?
Pathfinder Bancorp, Inc. is incorporated in MD.