PBHC · Pathfinder Bancorp, Inc.
$16.00
-0.05 (-0.31%)
At close · Jul 21
Market Cap
$100.07M
Shares
6.26M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Net Income
-$1.93M
-157.1%
FY2025
Diluted EPS
$1.17
+46.2%
FY2020
Operating Cash Flow
$11.68M
+4.2%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $74.71M | $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 | |
| $43.26M | $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 | |
| $2.43M | $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 | — | — | — | — | — | — | — | — | — | — | — | |
| $501K | $475K | $539K | $735K | $688K | $725K | $507K | $427K | $422K | $353K | $329K | $268K | $249K | $219K | |
| — | $573K | $258K | $16K | $16K | $16K | $16K | $16K | $17K | $16K | $16K | $16K | $12K | $1000 | |
| $35.53M | — | — | $28.74M | $9.7M | $7.53M | $10.86M | $13.53M | $9.04M | $6.29M | $3.8M | $2.66M | $2.61M | $3.26M | |
| -$4.87M | -$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 | |
| -$2.37M | -$2.16M | $332K | $2.36M | $2.66M | $3.5M | $2.66M | $1.17M | $546K | $922K | $1.11M | $1.07M | $1.15M | $847K | |
| -$2.49M | -$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 | — | — | — | — | — | — | $1.17 | $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 |
Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
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.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against the industry, and each ratio recomputed as of past filing dates.
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 |