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