Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHCยทNASDAQ

$13.65

+0.59%
Financial ServicesBanks - Regional

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

At a Glance

Live Snapshot
Market Cap$84.35M
EPS-0.5400
P/E Ratio-25.28
Earnings Date04/29/2026
3Y+2.0%
5Y+16.0%
10Y+90.0%
3Y+1.0%
5Y+15.0%
10Y+89.0%
3Y+8.0%
5Y+24.0%
10Y+107.0%
pbhc

Pathfinder Bancorp, Inc. Funding & Solvency Profile

PBHC ยท NASDAQ
Cash & Cash Equivalents11.52M
Net Receivables873.56M
Inventory0.00
Other Current Assets0.00
Total Current Assets1 B
Property, Plant & Equipment34.99M
Goodwill & Intangible Assets10.42M
Long-Term Investments1.01B
Other Non-Current Assets-1.01B
Total Non-Current Assets36 M
Total Assets
1.43B

Financial Health Analysis

Current Ratio

26.41x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

10.78x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

1 B

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

82% Current

Asset-light business model with high liquidity. Majority of assets are easily convertible to cash.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Pathfinder Bancorp, Inc. Balance Sheet

PBHC โ€ข NASDAQ

Pathfinder Bancorp, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
11.5M
31.6M
48.7M
35.3M
37.1M
43.5M
20.2M
26.3M
22M
22.4M
15.2M
11.4M
17.1M
10.7M
12.2M
13.8M
14.6M
7.7M
10.2M
13.7M
276.8M
269.3M
258.7M
191.7M
190.6M
128.3M
111.1M
177.7M
171.1M
142M
98.9M
88.1M
81M
108.3M
100.4M
0.0
0.0
0.0
0.0
0.0
288.3M
300.9M
307.4M
227M
227.7M
171.7M
131.3M
204M
193.1M
164.4M
114.2M
99.4M
98M
119M
112.6M
13.8M
14.6M
7.7M
10.2M
13.7M
873.6M
6.9M
7.3M
6.2M
4.5M
4.5M
3.7M
3.1M
3M
2.5M
2.1M
1.8M
1.7M
1.7M
1.7M
1.7M
1.5M
1.7M
1.7M
1.7M
873.6M
6.9M
7.3M
6.2M
4.5M
4.5M
3.7M
3.1M
3M
2.5M
2.1M
1.8M
1.7M
1.7M
1.7M
1.7M
1.5M
1.7M
1.7M
1.7M
1.2B
307.8M
314.7M
233.2M
232.3M
176.3M
135M
207M
196.2M
166.9M
116.2M
101.3M
99.7M
120.7M
114.3M
15.5M
16.1M
9.4M
11.9M
15.4M
NON-CURRENT ASSETS
35M
37.1M
24M
24.2M
23.8M
24.5M
25.1M
20.6M
16.1M
15.2M
14.8M
13.2M
11.6M
10.1M
10.7M
9.4M
7.2M
7.5M
7.8M
7.6M
5.1M
5.1M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.5M
4.4M
4.4M
3.8M
3.8M
3.8M
3.8M
3.8M
1.7M
1.7M
5.4M
6M
85K
101K
117K
133K
149K
165K
182K
198K
214K
175K
187K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10.4M
11M
4.6M
4.6M
4.7M
4.7M
4.7M
4.7M
4.7M
4.7M
4.8M
4.5M
4.6M
3.8M
3.8M
3.8M
3.8M
3.8M
3.8M
4M
1B
1.1B
1.1B
1.1B
981.1M
985.8M
896.3M
667.3M
639.9M
540.5M
469M
423.1M
371M
329.2M
300.8M
367M
332.1M
319.5M
286.1M
264.4M
-1B
54.5M
55.6M
56.2M
43.3M
36.2M
32.7M
33.4M
24.3M
21.7M
18.4M
18.9M
16.8M
13.9M
13.4M
12.8M
12.4M
12.6M
11.1M
10M
46.7M
1.2B
1.2B
1.2B
1.1B
1.1B
958.8M
726.1M
685.1M
582.1M
507M
459.7M
404M
357.1M
328.7M
393.1M
355.6M
343.4M
308.8M
286M
216.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.4B
1.5B
1.5B
1.4B
1.3B
1.2B
1.1B
933.1M
881.3M
749M
623.3M
561M
503.8M
477.8M
443M
408.5M
371.8M
352.8M
320.7M
301.4M
LIABILITIES
CURRENT LIABILITIES
424K
546K
2.2M
975K
106K
193K
396K
304K
186K
75K
199K
63K
86K
140K
145K
148K
0.0
0.0
0.0
0.0
424K
546K
2.2M
975K
106K
193K
396K
304K
186K
75K
199K
63K
86K
140K
145K
148K
0.0
0.0
0.0
0.0
424K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
44M
61M
125.7M
60.3M
12.5M
4M
25.1M
39M
30.6M
41.9M
24.8M
55.1M
24M
9M
0.0
13M
0.0
17.6M
18.4M
0.0
-848K
1.2B
1.1B
1.1B
1.1B
995.9M
881.9M
727.1M
723.6M
611M
490.3M
415.6M
410.1M
391.8M
366.1M
326.5M
296.8M
269.4M
251.1M
245.6M
44M
1.3B
1.2B
1.2B
1.1B
1B
907.4M
766.4M
754.4M
653M
515.3M
470.7M
434.2M
400.9M
366.3M
339.7M
296.8M
287M
269.5M
245.6M
NON-CURRENT LIABILITIES
45.5M
57.2M
79.8M
85.4M
94.2M
117.4M
83.1M
94.6M
58.3M
32M
31.5M
16.2M
22M
31.1M
31.2M
33.2M
41.2M
39.6M
25.2M
31.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
3.9M
3.4M
4.7M
4.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.2B
11.8M
11.6M
9.4M
9.4M
9.6M
9.9M
7.7M
6.4M
5.6M
5.2M
4.9M
4.5M
5M
7.6M
5.1M
4.5M
6.7M
4.3M
3.4M
1.3B
87.3M
97.6M
101.6M
106.6M
129.6M
95.7M
102.3M
64.7M
37.7M
36.7M
21.1M
26.5M
36.1M
38.9M
38.3M
45.6M
46.3M
29.5M
34.9M
17.7M
18.3M
6.1M
6.8M
3M
2.5M
2.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.3B
1.4B
1.3B
1.3B
1.2B
1.1B
1B
868.7M
819.5M
691.1M
552.4M
492.2M
461.1M
437M
405.1M
378M
342.6M
333.3M
299M
280.5M
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-4.8M
-4.8M
-4.8M
-6.5M
-6.5M
-6.5M
-6.5M
-6.5M
0.0
0.0
0.0
0.0
0.0
14K
12K
0.0
0.0
0.0
13M
13M
13M
13M
13M
6.2M
6.1M
0.0
0.0
0.0
62K
61K
61K
61K
60K
45K
47K
44K
43K
43K
44K
44K
30K
30K
30K
30K
30K
30K
30K
29K
54.4M
52.8M
53.1M
52.1M
51M
50M
49.4M
29.1M
28.2M
27.5M
28.7M
28.5M
8.2M
8.1M
8.7M
8.6M
8.6M
7.9M
7.9M
7.8M
71.9M
77.8M
76.1M
71.3M
60.9M
50.3M
44.8M
42.1M
39M
35.6M
33.2M
31.1M
28.8M
26.7M
24.6M
24.2M
22.4M
21.2M
21.7M
21.3M
-5.4M
-9.1M
-9.6M
-12.2M
-1.3M
-2.2M
-3M
-6M
-4.2M
-3.8M
-2.6M
-2.1M
-1.7M
-1.3M
-2.7M
-1.9M
-1.4M
-3.1M
-1.5M
-1.8M
0.0
0.0
-135K
-315K
-495K
-675K
-855K
-1M
-1.2M
-1.4M
-1.6M
-1.8M
-826K
-936K
-1M
0.0
0.0
0.0
0.0
0.0
121M
121.5M
119.5M
111M
110.3M
97.5M
90.4M
64.2M
61.7M
57.9M
70.8M
68.8M
42.7M
40.7M
37.8M
30.6M
29.2M
19.5M
21.7M
20.9M
121M
121.5M
120.3M
111.6M
110.6M
97.7M
90.7M
64.5M
62.1M
58.4M
71.2M
69.2M
43.1M
40.7M
37.8M
30.6M
29.2M
19.5M
21.7M
20.9M
0.0
0.0
761K
585K
346K
266K
235K
238K
333K
432K
424K
414K
358K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
SUMMARY
1.4B
1.5B
1.5B
1.4B
1.3B
1.2B
1.1B
933.1M
881.3M
749M
623.3M
561M
503.8M
477.8M
443M
408.5M
371.8M
352.8M
320.7M
301.4M
1.3B
1.3B
1.3B
1.3B
1.2B
1.1B
1B
845M
811M
682.5M
568M
511.1M
452M
437.6M
401.2M
367M
332.1M
319.5M
286.1M
264.4M
107.2M
136.5M
211.6M
152.6M
109.7M
124M
110.9M
133.6M
88.9M
74M
56.3M
71.3M
46M
40.1M
31.2M
46.2M
41.2M
57.1M
43.6M
31.5M
95.7M
104.9M
162.9M
117.3M
72.5M
80.5M
90.7M
107.3M
67M
51.6M
41M
59.9M
28.9M
29.5M
19M
32.4M
26.5M
49.5M
33.4M
17.8M
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920
6,121,920

SEC Filings

PBHC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
10-Q

10-Q 2026 Q1

Q1

May 15, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 07, 2026
May 04, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 22, 2026
April 22, 2026
2026
10-K

10-K 2025 FY

FY

March 30, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

March 30, 2026
March 30, 2026
2026
8-K

8-K 2026

N/A

February 27, 2026
February 27, 2026
2026
8-K

8-K 2026

N/A

January 29, 2026
January 29, 2026
2026
8-K

8-K 2025

N/A

December 22, 2025
December 22, 2025
2025
10-Q

10-Q 2025 Q3

Q3

November 14, 2025
September 30, 2025
2025
Showing 1 to 10 of 232 filings