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%

Follow PBHC

Alert me

Market cap: $106.5M
P/E: 0.0×
Fwd P/E: —
Dividend yield: 2.93%
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

Insider Decisions trades per month

Total buys 0.07

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	2	—	—	—	2	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 47.53%

Capital & Financial Ratios $m

Market Cap 106.48

Revenue 78.77

Net Income 0.14

Free Cash Flow 11.01

Net Debt (30.82)

Current Ratio 0.69

Debt/Equity 0.07

P/E ratio 0.00

Fwd P/E —

P/S ratio 1.36

P/B ratio 0.85

Past 5Y EPS Growth —

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth —

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 44.08%

10-year low 10-year high

P/B against its own 10 years 59.53%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate 0.50

Annual Dividend Yield 2.93%

	total	individual payouts
2026	0.40	0.10 0.10 0.10 0.10
2025	0.40	0.10 0.10 0.10 0.10
2024	0.39	0.09 0.10 0.10 0.10
2023	0.36	0.09 0.09 0.09 0.09
2022	0.34	0.07 0.09 0.09 0.09
2021	0.27	0.06 0.07 0.07 0.07
2020	0.24	0.06 0.06 0.06 0.06
2019	0.24	0.06 0.06 0.06 0.06
2018	0.24	0.06 0.06 0.06 0.06
2017	0.26	0.05 0.05 0.05 0.05 0.06
2016	0.20	0.05 0.05 0.05 0.05

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	61	40	40	39
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	949	949	919	913

	2023	2024	2025	Q'26
Payables	1,120	1,205	1,184	1,174
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,278	1,296	1,258	1,330

Compound Annual Growth %

	10y	5y	3y
Sales	11.95%	10.07%	11.56%
Cash Flow	6.35%	(24.17%)	(18.70%)
Earnings	0.00%	0.00%	0.00%
Book Value	5.57%	4.62%	3.15%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	19	19	—	—	—
’25	21	18	21	20	79
’24	20	20	23	24	88
’23	17	18	19	20	73
’22	13	13	15	17	57
’21	13	14	13	13	52
’20	13	12	12	12	49

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	2	—	—	—
’25	6	(4)	7	3	12
’24	1	2	12	(3)	11
’23	6	(4)	5	8	15
’22	4	3	5	10	22
’21	3	5	7	4	20
’20	38	2	5	1	47

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	2	—	—	—
’25	5	(4)	7	2	10
’24	0	1	8	(3)	6
’23	6	(5)	4	8	13
’22	3	2	5	10	21
’21	3	5	11	0	19
’20	38	2	4	2	45

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.38	0.42	—	—	—
’25	0.41	0.00	0.10	(1.11)	(0.31)
’24	0.34	0.32	(0.75)	0.69	0.60
’23	0.43	0.32	0.35	0.41	1.51
’22	0.49	0.54	0.52	0.58	2.13
’21	0.36	0.50	0.56	0.64	2.07
’20	0.29	0.31	0.25	0.33	1.17

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	10.76	12.73	13.45	12.55	9.08	11.36	17.00	11.91	11.41	13.35	Analyst estimates 2026–2028 Powerpack
	High	13.90	16.00	16.64	16.25	14.50	17.39	21.99	19.70	19.86	17.60
People
People	Employees	139	144	163	163	183	173	174	174	186	187
	Revenue/emp, $m	0.20	0.23	0.24	0.29	0.27	0.30	0.33	0.42	0.47	0.42
Income, $m
Income, $m	Revenue	28	33	39	47	49	52	57	73	88	79
	Gross margin, %	86.55	81.22	76.60	71.02	77.82	85.53	82.99	60.55	57.50	59.17
	EBT	4	4	5	5	8	16	16	12	5	(4)
	EBT margin, %	15.59	12.97	11.79	11.68	17.03	30.75	27.52	16.18	5.87	(5.17)
	Net income	3	3	4	4	7	12	13	9	3	(2)
	Depreciation	3	3	3	3	4	6	4	3	1	2
Per share, $
Per share, $	Revenue	6.89	8.21	9.27	10.46	10.63	9.97	9.60	12.08	14.43	12.86
	Earnings	0.79	0.74	0.94	0.80	1.17	2.07	2.13	1.51	0.60	(0.31)
	Cash flow	1.55	1.68	2.15	1.82	10.10	3.86	3.66	2.56	1.84	1.90
	Capex	(0.33)	(0.48)	(1.36)	(0.81)	(0.27)	(0.19)	(0.15)	(0.33)	(0.87)	(0.20)
	Free cash flow	1.22	1.19	0.79	1.01	9.83	3.67	3.51	2.23	0.97	1.69
	Book value	14.22	15.23	15.45	20.31	21.21	21.18	18.79	19.93	19.93	19.89
	Shares, m	4	4	4	4	5	5	6	6	6	6
Valuation, ×
Valuation, ×	P/E	16.64	18.59	16.31	18.05	9.73	8.34	8.99	9.25	29.17	0.00
	P/S	1.93	1.86	1.69	1.33	1.08	1.72	1.99	1.16	1.21	1.10
	P/B	0.94	1.00	1.01	0.68	0.54	0.81	1.02	0.70	0.88	0.71
	EV/Sales	1.63	2.38	2.90	2.24	1.66	2.16	2.21	1.01	1.06	0.77
	EV/FCF	9.18	16.41	33.94	23.10	1.79	5.86	6.06	5.46	7.69	5.87
Cash, $m
Cash, $m	Operating cash flow	6	7	9	8	47	20	22	15	11	12
	Capex	(1)	(2)	(6)	(4)	(1)	(1)	(1)	(2)	(5)	(1)
	Free cash flow	5	5	3	5	45	19	21	13	6	10
Balance, $m
Balance, $m	Working capital	(154)	(167)	(133)	(121)	(173)	(231)	(285)	(329)	(347)	(339)
	Total debt	17	43	80	68	78	65	56	50	27	14
	Net debt	(9)	17	47	42	28	23	13	(11)	(13)	(26)
	Shareholders’ equity	58	62	64	91	98	111	112	120	121	122
Returns, %
Returns, %	ROA	0.47	0.43	0.44	0.35	0.47	0.74	0.72	0.49	0.17	(0.10)
	ROIC	5.55	3.41	2.56	2.56	4.14	7.51	7.90	6.73	2.98	(2.64)
	ROE	5.59	5.79	6.37	4.61	5.74	8.92	8.75	6.06	2.12	(1.20)

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BSBK Bogota Financial Corporation	$116.5M	43.4×	29.2×	−5.42% (below 0%: shrinking)	+200.00% (above 0%: growing)	+11.78% (above 0%: growing)	43.91%	0.00%	Compare
WSBK Winchester Bancorp, Inc.	$116.0M	26.4×	—	+16.83% (above 0%: growing)	—	−44.14% (below 0%: shrinking)	52.64%	0.00%	Compare
OPHC OptimumBank Holdings, Inc.	$113.0M	5.6×	6.5×	+38.96% (above 0%: growing)	+29.03% (above 0%: growing)	+67.40% (above 0%: growing)	70.97%	0.00%	Compare
PROV Provident Financial Holdings, Inc.	$112.9M	17.4×	13.1×	+1.58% (above 0%: growing)	+40.00% (above 0%: growing)	+52.70% (above 0%: growing)	69.62%	0.00%	Compare
UNB Union Bankshares, Inc.	$112.6M	8.8×	—	+8.47% (above 0%: growing)	+15.09% (above 0%: growing)	+1,783.20% (above 0%: growing)	63.79%	0.00%	Compare
SFBC Sound Financial Bancorp, Inc.	$111.8M	13.9×	—	+1.50% (above 0%: growing)	+22.50% (above 0%: growing)	+132.05% (above 0%: growing)	67.71%	0.00%	Compare
BYFC Broadway Financial Corporation	$107.2M	— (loss-making)	— (loss-making)	+27.12% (above 0%: growing)	n/m	+24.68% (above 0%: growing)	55.67%	0.00%	Compare
PBHC Pathfinder Bancorp, Inc.	$106.5M	— (loss-making)	—	+9.22% (above 0%: growing)	n/m	+155.06% (above 0%: growing)	60.96%	0.00%
PNBK Patriot National Bancorp Inc.	$105.1M	— (loss-making)	12.1×	+44.21% (above 0%: growing)	n/m	−716.54% (below 0%: shrinking)	61.76%	0.00%	Compare
Median of peers	$112.7M	15.7×	12.6×	+12.65%	+29.03%	+38.69%	62.78%	0.00%

All 323 Banks Regional stocks →

Pathfinder Bancorp, Inc. (PBHC) key facts

Concern: Pathfinder Bancorp, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $79.1 million, down 9.98% from fiscal 2024.
Pathfinder Bancorp, Inc. (PBHC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, PBHC traded at $17.08, a market capitalization of $106.5 million.
Pathfinder Bancorp, Inc. pays an annual dividend of $0.50 per share, a yield of 2.93%.
Return on equity was −1.20% and debt-to-equity 0.07.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.