Saturday 17 October 2026 Export PBHC’s income statement to Excel — free account

Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.1 million, down 9.98% from fiscal 2024. In the quarter to June 2026, revenue grew 9.22%, EPS was flat, free cash flow grew 155.1% and total debt fell 60.1%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

17.08 0.38 +2.28%

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Market cap: $106.5M
P/E: 0.0×
Fwd P/E: —
Dividend yield: 2.93%
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	0.00	29.17	9.25	8.99	8.34	9.73	18.05	16.31	18.59	16.64
Piotroski F-Score Full definition →	4	5	5	5	6	5	6	6	5	6
P/S ratio Full definition →	1.10	1.21	1.16	1.99	1.72	1.08	1.33	1.69	1.86	1.93
P/FCF ratio Full definition →	8.34	8.77	6.26	5.46	4.68	1.17	13.72	19.77	12.83	10.91
P/Operating CF Full definition →	32.55	(40.17)	10.00	11.86	20.17	35.53	39.65	21.78	25.11	23.66
P/B ratio Full definition →	0.71	0.88	0.70	1.02	0.81	0.54	0.68	1.01	1.00	0.94
Price to Tangible BV Full definition →	0.78	0.97	0.73	1.06	0.85	0.57	0.72	1.09	1.09	1.02
EV/Sales Full definition →	0.77	1.06	1.01	2.21	2.16	1.66	2.24	2.90	2.38	1.63
EV/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EV/Operating CF Full definition →	5.24	8.34	4.76	5.81	5.57	1.74	12.87	12.49	11.68	7.22
EV/FCF Full definition →	5.87	7.69	5.46	6.06	5.86	1.79	23.10	33.94	16.41	9.18
Quick Ratio Full definition →	0.03	0.03	0.05	0.04	0.04	0.05	0.03	0.04	0.03	0.04
Current Ratio Full definition →	0.73	0.73	0.74	0.77	0.79	0.83	0.87	0.83	0.78	0.77
Net Debt/EBITDA Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt/Assets Full definition →	0.99%	1.84%	3.41%	3.98%	5.03%	6.36%	6.22%	8.52%	4.91%	2.27%
Debt/Equity Full definition →	0.11	0.22	0.42	0.50	0.58	0.80	0.75	1.23	0.70	0.29
Asset Turnover Full definition →	0.05	0.06	0.05	0.04	0.04	0.04	0.05	0.04	0.04	0.04
Operating CF/Net income Full definition →	(7.95)	4.37	2.20	2.24	2.17	8.61	2.27	2.23	1.96	1.96
Capex/Depreciation Full definition →	(0.61)	(4.53)	(0.64)	(0.25)	(0.16)	(0.29)	(1.40)	(1.76)	(0.63)	(0.54)
ROE Full definition →	(1.20%)	2.12%	6.06%	8.75%	8.92%	5.74%	4.61%	6.37%	5.79%	5.59%
ROA Full definition →	(0.10%)	0.17%	0.49%	0.72%	0.74%	0.47%	0.35%	0.44%	0.43%	0.47%
ROIC Full definition →	(2.64%)	2.98%	6.73%	7.90%	7.51%	4.14%	2.56%	2.56%	3.41%	5.55%
Return on Tangible Assets Full definition →	0.46%	(0.78%)	(2.26%)	(3.64%)	(4.43%)	(3.60%)	(3.66%)	(3.60%)	(2.32%)	(2.35%)
Average Days of Receivables Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	63.55%	51.29%	44.37%	55.48%	54.78%	60.80%	59.34%	64.81%	68.25%	70.95%
Intangible Assets out of Total Assets Full definition →	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.01
Share Based Compensation of Revenue Full definition →	1.24%	0.28%	0.63%	1.10%	1.19%	1.16%	1.35%	2.00%	2.13%	1.97%
Graham Net Nets Full definition →	(4.43)	(3.79)	(4.70)	(3.14)	(3.44)	(4.97)	(3.24)	(3.37)	(3.47)	(3.23)
Graham Number Full definition →	0.00	16.40	26.02	30.01	31.33	23.73	18.76	18.27	16.79	16.00
Earnings Yield Full definition →	(3.83%)	3.43%	10.81%	11.13%	12.00%	10.28%	5.54%	6.13%	5.38%	6.01%
Free Cash Flow Yield Full definition →	11.99%	11.40%	15.98%	18.32%	21.38%	85.63%	7.29%	5.06%	7.79%	9.17%
Revenue per Share Full definition →	12.86	14.43	12.08	9.60	9.97	10.63	10.46	9.27	8.21	6.89
Operating CF per Share Full definition →	1.90	1.84	2.56	3.66	3.86	10.10	1.82	2.15	1.68	1.55
Capex per Share Full definition →	(0.20)	(0.87)	(0.33)	(0.15)	(0.19)	(0.27)	(0.81)	(1.36)	(0.48)	(0.33)
Free Cash Flow per Share Full definition →	1.69	0.97	2.23	3.51	3.67	9.83	1.01	0.79	1.19	1.22
Cash per Share Full definition →	6.46	6.60	10.06	7.26	8.04	10.79	5.72	7.84	6.33	6.25
Shareholders Equity per Share Full definition →	19.89	19.93	19.93	18.79	21.18	21.21	20.31	15.45	15.23	14.22
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	19.89	19.93	19.93	18.79	21.18	21.21	20.31	15.45	15.23	14.22
Free Cash Flow Full definition →	10.42	5.88	13.47	20.83	19.17	45.30	4.52	3.30	4.87	5.01
Working Capital Full definition →	(339.20)	(347.32)	(328.70)	(284.74)	(231.46)	(172.55)	(120.53)	(132.72)	(166.85)	(153.93)
Capital Expenditures Full definition →	(1.26)	(5.33)	(1.97)	(0.91)	(0.98)	(1.26)	(3.60)	(5.68)	(1.97)	(1.36)
Net Current Asset Value Full definition →	(384.96)	(404.53)	(396.34)	(356.61)	(308.48)	(262.75)	(201.12)	(219.92)	(216.51)	(176.57)
EV/EBIT Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Capex to Sales Full definition →	0.02	0.06	0.03	0.02	0.02	0.03	0.08	0.15	0.06	0.05
Price to Operating Income Full definition →	0.00	20.67	7.15	7.25	5.60	6.34	11.38	16.10	14.37	12.39
Other line items
Depreciation/Fixed assets Full definition →	0.12	0.06	0.17	0.20	0.29	0.19	0.11	0.16	0.19	0.17
Cash ROIC Full definition →	5.91%	3.12%	5.83%	9.90%	8.83%	20.09%	2.46%	1.87%	3.71%	4.96%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Accounts Payable Turnover Full definition →	0.03	0.03	0.03	0.01	0.01	0.01	0.02	0.01	0.01	0.01
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	13,370.40	11,765.45	14,222.95	42,370.50	51,141.97	33,459.69	23,794.42	29,342.87	41,989.68	58,624.81
Days of Inventory on Hand Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Payables Full definition →	1,194.19	1,162.30	1,122.75	1,090.39	1,025.63	938.90	804.48	725.33	667.29	550.65
Average Assets Full definition →	1,450.76	1,470.34	1,432.86	1,342.55	1,256.31	1,160.63	1,013.46	907.19	815.15	686.14
Average Common Equity Full definition →	121.97	120.87	115.92	111.11	104.17	94.18	77.56	63.30	60.25	58.30

Fold the line items

Columns are period end dates

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