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 | |
|---|---|---|---|---|---|
Piotroski F-Score |
+8 more TTM periods Free account |
6 | 4 | 5 | 5 |
| 4.62% | (1.20%) | (1.52%) | 0.13% | ||
| 0.39% | (0.10%) | (0.13%) | 0.01% | ||
ROIC |
6.65% | (2.64%) | (3.44%) | (1.09%) | |
Return on Tangible Assets |
(1.68%) | 0.46% | 0.60% | (0.04%) | |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | |
Free Cash Flow per Share |
0.80 | 1.69 | 0.78 | 1.76 | |
Free Cash Flow |
4.93 | 10.42 | 4.87 | 11.01 | |
Capital Expenditures |
(1.43) | (1.26) | (0.87) | (0.81) | |
| Other line items | |||||
Cash ROIC |
2.53% | 5.91% | 2.65% | 6.35% | |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Accounts Payable Turnover |
0.03 | 0.03 | 0.03 | 0.03 | |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | |
Average Days of Payables |
13,275.38 | 13,370.40 | 14,062.97 | 14,000.40 | |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | |
Tax Rate |
(0.13) | (0.53) | (0.49) | (1.09) | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
47.02% | 63.55% | 64.73% | 62.44% | |
Share Based Compensation of Revenue |
0.83% | 1.24% | 1.39% | 1.35% | |
Operating CF/Net income |
1.11 | (7.95) | (3.04) | 75.30 | |
Depreciation/Fixed assets |
0.09 | 0.12 | 0.12 | 0.12 | |
Capex/Depreciation |
(0.82) | (0.61) | (0.41) | (0.39) | |
Revenue per Share |
13.61 | 12.86 | 12.41 | 12.56 | |
Operating CF per Share |
1.03 | 1.90 | 0.92 | 1.89 | |
Capex per Share |
(0.23) | (0.20) | (0.14) | (0.13) | |
Capex to Sales |
0.02 | 0.02 | 0.01 | 0.01 |
Columns are period end dates