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: 2.34%
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

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

Fold the line items

Columns are period end dates

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