PBHC
Pathfinder Bancorp, Inc.Company Information
- Company Name
- Pathfinder Bancorp, Inc.
- CIK
- CIK0001609065
- Category
- Non-accelerated filer<br>Smaller reporting company
- Ticker: Exchange
- PBHC: Nasdaq
- Fiscal Year End
- December 31
- Owner Organization
- 02 Finance
- SIC
- 6022
- SIC Description
- State Commercial Banks
- Ticker
- PBHC
SEC filing data through
Insider Sentiment
- Last purchase
- 2026-06-15
- Last sale
- 2025-03-03
- Shares purchased (TTM)
- 4,775
- Shares sold (TTM)
- 0
Institutional Sentiment
- As of
- —
- Institutional shares owned
- —
- Shares outstanding
- —
- Ownership
- —
Earnings Market Reaction
- Filing date
- 2026-08-13
- Price on filing date
- —
- 1-month reaction
- -2.83%
- 3-month reaction
- …
Balance Sheet
Values in millions ($)| Line item | 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 | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 Current | - | - | - | - | - | - | 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 | 15 | 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 | ||||||
| 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 Unconsolidated Subsidiary Trust | 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 | 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 Tax | -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 | 120 | 124 | 122 | 120 | 114 | ||||||
| Common Stock Shares Issued | - | - | 5 | - | - | - | 5 | - | - | - | 5 | - | ||||||
| Shares Outstanding | - | - | 5 | - | - | - | 5 | - | - | - | 5 | - | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
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Start 7-day free trialPathfinder 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. Pathfinder Bancorp, Inc. (PBHC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-13. Based on that filing, Pathfinder Bancorp, Inc. carries a market cap of $66.42M, a P/E ratio of -34.36x, a P/B ratio of 0.54x, a P/S ratio of 43.16x, an enterprise value of $93.32M, and an EV/EBITDA multiple of -40.11x. On profitability, it posts a gross margin of -1885.34%, an operating margin of -107.20%, a net margin of 9.27%, a Return on Equity (ROE) of 0.11%, and a Return on Invested Capital (ROIC) of 0.00%. Per share, it reports EPS of $-0.40, free cash flow per share of $2.17, and a dividend per share of $0.40. Over the trailing year, it posted revenue growth of -0.58% year-over-year, net income growth of -96.08% year-over-year, and EPS growth of -140.04% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -2.57x, free cash flow of $11.01M (TTM), and net debt of $107.32M. Figures sourced from SEC EDGAR.
- Market Cap
- $66.42M
- P/E TTM
- -34.36x
- EPS TTM
- $-0.40
- P/B TTM
- 0.54x
- ROE TTM
- 0.11%
- Free Cash Flow TTM
- $11.01M
- Net Revenue TTM Growth 1Y
- -0.58%
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 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.
When was Pathfinder Bancorp, Inc. (PBHC)'s most recent SEC filing?
Pathfinder Bancorp, Inc. (PBHC)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-13.
What is PBHC's market cap?
Pathfinder Bancorp, Inc. (PBHC) has a market capitalization of $66.42M as of 2025-12-31.
What is PBHC's EPS (earnings per share)?
Pathfinder Bancorp, Inc. (PBHC)'s trailing twelve month EPS is $-0.40 as of 2025-12-31.
What is PBHC's ROE (return on equity)?
Pathfinder Bancorp, Inc. (PBHC)'s trailing twelve month Return on Equity (ROE) is 0.11% as of 2026-06-30.
What is PBHC's ROIC (return on invested capital)?
Pathfinder Bancorp, Inc. (PBHC)'s trailing twelve month Return on Invested Capital (ROIC) is 0.00% as of 2026-06-30.
What is PBHC's EV/EBITDA?
Pathfinder Bancorp, Inc. (PBHC)'s trailing twelve month EV/EBITDA is -40.11x as of 2025-12-31.