PBHC · Pathfinder Bancorp, Inc.
Income-statement, balance-sheet and cash-flow figures from SEC filings, plus a debt profile anchored in the latest 10-K and updated by each 10-Q and debt exhibit.
Chart any reported metric, KPI or segment over time — the full statement history lives here
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $73.6M | $76.65M | $78.36M | $67.66M | $51.1M | $45.83M | $42.51M | $41.76M | $34.81M | $29.41M | $24.09M | $21.42M | $19.7M | $18.88M | |
| $42.99M | $44.34M | $40.99M | $38.92M | $41.4M | $38.3M | $31.64M | $28.23M | $25.77M | $23.12M | $20.29M | $18.77M | $17.09M | $15.62M | |
| $5.17M | $2.5M | $9.56M | $5.19M | $5.91M | $6.23M | $6.49M | $4.92M | $3.84M | $4.09M | $4.18M | $4.17M | $3.76M | $3.42M | |
| — | $372M | $194M | — | — | — | — | — | — | — | — | — | — | — | |
| $580K | $475K | $539K | $735K | $688K | $725K | $507K | $427K | $422K | $353K | $329K | $268K | $249K | $219K | |
| $715K | $573K | $258K | $16K | $16K | $16K | $16K | $16K | $17K | $16K | $16K | $16K | $12K | $1000 | |
| $30.61M | $32.32M | $37.37M | $28.74M | $9.7M | $7.53M | $10.86M | $13.53M | $9.04M | $6.29M | $3.8M | $2.66M | $2.61M | $3.26M | |
| -$1.65M | -$4.09M | $5.16M | $11.78M | $15.69M | $16.01M | $8.34M | $5.45M | $4.56M | $4.35M | $4.41M | $4M | $3.95M | $3.25M | |
| -$1.8M | -$2.16M | $332K | $2.36M | $2.66M | $3.5M | $2.66M | $1.17M | $546K | $922K | $1.11M | $1.07M | $1.15M | $847K | |
| $143K | -$1.93M | $3.38M | $9.29M | $12.93M | $12.41M | $6.95M | $4.28M | $4.03M | $3.49M | $3.27M | $2.89M | $2.8M | $2.41M | |
| — | $0 | $1.45M | $129K | $101K | $103K | $96K | $10K | -$22K | -$68K | $26K | $43K | $56K | -$1000 | |
| $5.69M | — | — | — | — | — | $5.41M | $3.58M | $4.03M | $3.49M | $3.26M | $2.76M | $2.65M | $2.41M | |
| — | $1.84M | $3.84M | $11.86M | $2.03M | $13.38M | $7.69M | $7.35M | $1.89M | $3.9M | $2.02M | $2.44M | $2.37M | $1.98M | |
| USD/shares | $1.24 | — | — | — | — | — | $1.17 | $0.80 | $0.97 | $0.86 | $0.79 | $0.67 | $0.64 | $0.58 |
| USD/shares | — | — | — | — | — | — | $1.17 | $0.80 | $0.94 | $0.83 | $0.78 | $0.66 | $0.63 | $0.58 |
| shares | — | — | — | — | — | — | 4.61M | 4.46M | 4.17M | 4.08M | 4.11M | 4.12M | 4.16M | 4.15M |
| shares | — | — | — | — | — | — | 4.61M | 4.46M | 4.27M | 4.19M | 4.19M | 4.19M | 4.2M | 4.17M |
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2013–FY2025: $1.76M in buybacks, $14.46M in dividends.
Debt Profile
Annual debt figures are established from 10-K filings and updated by subsequent 10-Q and 8-K disclosures. Instrument balances are not summed into a company total unless the filing itself reports that total.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
Peer medians compare against the 169 similar-size Banks - Regional companies (of 304 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Product & Service (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Banking | $3,687,000 | $4,913,000 | $4,603,000 | $4,595,000 | $4,936,000 | $5,452,000 |
| Deposit Account | $1,539,000 | $1,436,000 | $1,249,000 | $1,126,000 | $1,464,000 | $1,395,000 |
| Financial Service Other | $1,011,000 | $1,479,000 | $1,096,000 | $1,771,000 | $1,058,000 | $917,000 |
| Insufficient Funds Fees Deposit Account | $874,000 | $819,000 | $686,000 | $569,000 | $888,000 | $871,000 |
| Mortgage Banking | $788,000 | $562,000 | $488,000 | $500,000 | $559,000 | $1,540,000 |
| Fee Income | $783,000 | $1,979,000 | $2,190,000 | $2,032,000 | $1,917,000 | $1,676,000 |
| Deposit Related Fees Deposit Account | $580,000 | $534,000 | $436,000 | $390,000 | $393,000 | $373,000 |
| Credit And Debit Card | $577,000 | $936,000 | $676,000 | $937,000 | $996,000 | $841,000 |
| Debit Card | $510,000 | $875,000 | $616,000 | $867,000 | $923,000 | $771,000 |
| Net Gains Losses on Sale of Loans and Foreclosed Real Estate | $402,000 | $187,000 | $181,000 | $137,000 | $313,000 | $1,179,000 |
| Bank Servicing | $386,000 | $375,000 | $307,000 | $363,000 | $246,000 | $361,000 |
| Banking House Rents Collected | $372,000 | $194,000 | $207,000 | $229,000 | $243,000 | $235,000 |
| ATM Fees Surcharge | $272,000 | $242,000 | $225,000 | $229,000 | $227,000 | $213,000 |
| Investment Services Revenue | $139,000 | $470,000 | $454,000 | $446,000 | $399,000 | $303,000 |
| ATM Fees Deposit Account | $85,000 | $83,000 | $127,000 | $167,000 | $183,000 | $151,000 |
| Credit Card Merchant Discount | $67,000 | $61,000 | $60,000 | $70,000 | $73,000 | $70,000 |
| Insurance Commissions | $0 | $1,073,000 | $1,304,000 | $1,128,000 | $1,048,000 | $955,000 |