Pathfinder Bancorp, Inc. (PBHC) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Pathfinder Bancorp reported revenue of $46.8M, down 7.4% from $50.5M the year before. Net income was -$1.9M (a -4.1% net margin), or -$0.31 per diluted share. Net interest income was $44.3M, and the efficiency ratio (noninterest expense / revenue) was 73.8%. Operating activities generated $11.7M of cash, leaving $10.4M of free cash flow. At fiscal year end, Pathfinder Bancorp held $1.43B in total assets against $1.30B in total liabilities.
Open the full interactive Pathfinder Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Pathfinder Bancorp Key Stats
| Share Price | $16.71 |
|---|---|
| Market Cap | $82.8M |
| Revenue YoY Growth | -7.4% |
| 52-Week Range | $12.00 – $18.29 |
| Shares Outstanding | 4.9 million (basic, 2026 Q2) |
Pathfinder Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $31.6M | $38.3M | $41.4M | $38.9M | $41.0M | $44.3M |
| Provision for Credit Losses | $4.7M | $1.0M | $2.8M | $2.9M | $11.0M | $16.3M |
| Noninterest Income | $6.5M | $6.2M | $5.9M | $5.2M | $9.6M | $2.5M |
| Noninterest Expense | $25.1M | $27.5M | $28.9M | $29.4M | $34.4M | $34.6M |
| Revenue | $38.1M | $44.5M | $47.3M | $44.1M | $50.5M | $46.8M |
| Pre-Tax Income | $8.3M | $16.0M | $15.7M | $11.8M | $5.2M | -$4.1M |
| Income Tax | $1.3M | $3.5M | $2.7M | $2.4M | $332,000 | -$2.2M |
| Net Income | $7.0M | $12.4M | $12.9M | $9.3M | $3.4M | -$1.9M |
| Diluted EPS | $1.17 | $2.07 | $2.13 | $1.51 | $0.54 | -$0.31 |
Pathfinder Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $13.1M | $11.8M | $11.5M | $11.8M |
| Net Income | $626,000 | -$5.6M | $2.4M | $2.7M |
| Diluted EPS | $0.47 | -$1.16 | $0.38 | $0.42 |
Pathfinder Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Total Assets | $1.23B | $1.29B | $1.40B | $1.47B | $1.47B | $1.43B |
| Deposits | $995.9M | $1.06B | $1.13B | $1.12B | $1.20B | $1.18B |
| Total Long-Term Debt | $78.0M | $64.6M | $55.7M | $49.9M | $27.1M | $14.1M |
| Total Liabilities | $1.13B | $1.17B | $1.29B | $1.35B | $1.35B | $1.30B |
| Shareholders' Equity | $97.5M | $110.3M | $111.0M | $119.5M | $121.5M | $122.5M |
Pathfinder Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $46.6M | $20.2M | $21.7M | $15.4M | $11.2M | $11.7M |
| Cash From Investing | -$149.2M | -$70.0M | -$131.2M | -$54.8M | -$22.4M | $40.4M |
| Cash From Financing | $126.0M | $43.5M | $107.6M | $52.8M | -$6.0M | -$52.5M |
| Free Cash Flow | $45.3M | $18.9M | $19.8M | $13.5M | $9.1M | $10.4M |
Figures from Pathfinder Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Pathfinder Bancorp financials page for every line item.
Pathfinder Bancorp Company Profile
| Ticker | PBHC |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Oswego, New York |
| Incorporated in | Maryland |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001609065 |
Frequently Asked Questions
What was Pathfinder Bancorp's revenue in fiscal 2025?
Pathfinder Bancorp (PBHC) reported revenue of $46.8M for fiscal 2025.
What is Pathfinder Bancorp's annual revenue history?
Pathfinder Bancorp's annual revenue by fiscal year: 2020: $38.1M; 2021: $44.5M; 2022: $47.3M; 2023: $44.1M; 2024: $50.5M; 2025: $46.8M.
What was Pathfinder Bancorp's net income in fiscal 2025?
Pathfinder Bancorp reported net income of -$1.9M for fiscal 2025.
What was Pathfinder Bancorp's earnings per share (EPS) in fiscal 2025?
Pathfinder Bancorp's diluted EPS was -$0.31 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Pathfinder Bancorp generate in fiscal 2025?
Pathfinder Bancorp generated $10.4M of free cash flow in fiscal 2025.
What was Pathfinder Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Pathfinder Bancorp reported revenue of $11.8M.
How much debt does Pathfinder Bancorp have?
Pathfinder Bancorp reported $14.1M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Pathfinder Bancorp are outstanding?
Pathfinder Bancorp reported a weighted average of 4.9 million basic shares outstanding in 2026 Q2.
What is Pathfinder Bancorp's market cap?
Based on its latest closing price, Pathfinder Bancorp (PBHC) has a market capitalization of about $82.8M.
When does Pathfinder Bancorp's fiscal year end?
Pathfinder Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Pathfinder Bancorp headquartered?
Pathfinder Bancorp lists its business address in Oswego, New York in its SEC filings.