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