Saturday 17 October 2026
Export PBHC’s income statement to Excel — free account
Pathfinder Bancorp, Inc.
PBHC Financial Banks Regional
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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| Older periods | Sep '25 | Dec '25 | Mar '26 | Jun '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
12.35 | 0.00 | 0.00 | 0.00 |
P/S ratio |
1.15 | 1.10 | 1.03 | 1.26 | |
P/FCF ratio |
19.64 | 8.34 | 16.30 | 9.04 | |
P/Operating CF |
13.73 | 32.55 | (329.22) | 42.44 | |
P/B ratio |
0.77 | 0.71 | 0.64 | 0.79 | |
Price to Tangible BV |
0.84 | 0.78 | 0.70 | 0.86 | |
EV/Sales |
0.79 | 0.77 | 0.57 | 0.87 | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
10.39 | 5.24 | 7.70 | 5.81 | |
EV/FCF |
13.41 | 5.87 | 9.08 | 6.24 | |
Quick Ratio |
0.04 | 0.03 | 0.04 | 0.03 | |
Current Ratio |
0.72 | 0.73 | 0.74 | 0.69 | |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
Debt/Assets |
1.27% | 0.99% | 0.87% | 0.56% | |
Debt/Equity |
0.15 | 0.11 | 0.10 | 0.07 | |
Asset Turnover |
0.06 | 0.05 | 0.05 | 0.05 | |
Operating CF/Net income |
14.81 | (0.63) | (0.13) | 1.13 | |
Capex/Depreciation |
(0.18) | (0.94) | (0.83) | (0.21) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
57.79% | 102.96% | 44.91% | 43.28% | |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | |
Share Based Compensation of Revenue |
1.11% | 1.48% | 1.40% | 1.44% | |
Graham Net Nets |
(4.24) | (4.43) | (4.70) | (4.55) | |
Graham Number |
24.19 | 0.00 | 0.00 | 0.00 | |
Earnings Yield |
8.10% | (3.83%) | (5.02%) | (1.39%) | |
Free Cash Flow Yield |
5.09% | 11.99% | 6.14% | 11.06% | |
Revenue per Share |
3.44 | 3.18 | 3.00 | 3.08 | |
Operating CF per Share |
1.14 | 0.43 | (0.04) | 0.37 | |
Capex per Share |
(0.02) | (0.04) | (0.04) | (0.03) | |
Free Cash Flow per Share |
1.12 | 0.39 | (0.08) | 0.35 | |
Cash per Share |
8.01 | 6.46 | 7.64 | 6.25 | |
Shareholders Equity per Share |
20.48 | 19.89 | 19.88 | 20.05 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
20.48 | 19.89 | 19.88 | 20.05 | |
Free Cash Flow |
6.92 | 2.40 | (0.49) | 2.18 | |
Working Capital |
(358.70) | (339.20) | (332.03) | (416.43) | |
Capital Expenditures |
(0.13) | (0.27) | (0.25) | (0.16) | |
Net Current Asset Value |
(410.15) | (384.96) | (373.10) | (453.29) | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.01 | 0.01 | 0.01 | 0.01 | |
Price to Operating Income |
9.50 | 0.00 | 0.00 | 0.00 | |
| Other line items | |||||
Average Payables |
1,210.65 | 1,194.19 | 1,238.10 | 1,198.08 | |
Average Assets |
1,477.70 | 1,450.76 | 1,458.66 | 1,498.81 | |
Average Common Equity |
123.72 | 121.97 | 124.24 | 125.08 |
Columns are period end dates