stock
Pathfinder Bancorp Inc
NASDAQ | PBHC
15.20
USD
+$0.00
(+0.00%
)At Close (As of Oct 21, 2025)
$92.90M
Market Cap
43.03
P/E Ratio
0.35
EPS
$18.05
52 Week High
$13.46
52 Week Low
FINANCIAL SERVICES
Sector
PBHC Chart
Recent Chart
Price Action
PBHC Technicals
PBHC Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $35M |
| Total Revenue | $83M |
| Cost Of Revenue | $48M |
| Costof Goods And Services Sold | $48M |
| Operating Income | $5.2M |
| Selling General And Administrative | $19M |
| Research And Development | - |
| Operating Expenses | $30M |
| Investment Income Net | - |
| Net Interest Income | $40M |
| Interest Income | $78M |
| Interest Expense | $37M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $1.3M |
| Income Before Tax | $5.2M |
| Income Tax Expense | $332K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $4.8M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $5.2M |
| Ebitda | $6.5M |
| Net Income | $3.4M |
Revenue & Profitability
Earnings Performance
PBHC Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $1.5B |
| Total Current Assets | $308M |
| Cash And Cash Equivalents At Carrying Value | $32M |
| Cash And Short Term Investments | $32M |
| Inventory | - |
| Current Net Receivables | $6.9M |
| Total Non Current Assets | $1.2B |
| Property Plant Equipment | - |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $6M |
| Intangible Assets Excluding Goodwill | $6M |
| Goodwill | $5.1M |
| Investments | - |
| Long Term Investments | $432M |
| Short Term Investments | $269M |
| Other Current Assets | - |
| Other Non Current Assets | - |
| Total Liabilities | $1.4B |
| Total Current Liabilities | $1.3B |
| Current Accounts Payable | $546K |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $61M |
| Total Non Current Liabilities | $87M |
| Capital Lease Obligations | $18M |
| Long Term Debt | $57M |
| Current Long Term Debt | $61M |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $137M |
| Other Current Liabilities | $1.2B |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $121M |
| Treasury Stock | - |
| Retained Earnings | $78M |
| Common Stock | $61K |
| Common Stock Shares Outstanding | $6.1M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $11M |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $1.3M |
| Capital Expenditures | $8.3M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$22M |
| Cashflow From Financing | -$6M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $2.4M |
| Dividend Payout Common Stock | $2.4M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | - |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $3.4M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $35M |
| Total Revenue | $83M |
| Cost Of Revenue | $48M |
| Costof Goods And Services Sold | $48M |
| Operating Income | $5.2M |
| Selling General And Administrative | $19M |
| Research And Development | - |
| Operating Expenses | $30M |
| Investment Income Net | - |
| Net Interest Income | $40M |
| Interest Income | $78M |
| Interest Expense | $37M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $1.3M |
| Income Before Tax | $5.2M |
| Income Tax Expense | $332K |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $4.8M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $5.2M |
| Ebitda | $6.5M |
| Net Income | $3.4M |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-10-17 |
| Declaration Date | 2025-09-29 |
| Record Date | 2025-10-17 |
| Payment Date | 2025-11-07 |
| Amount | 0.1 |
PBHC News
PBHC Profile
Pathfinder Bancorp Inc Profile
Sector: FINANCIAL SERVICES
Industry: BANKS - REGIONAL
Pathfinder Bancorp, Inc. is a regional financial institution headquartered in Oswego, New York, operating as the parent company of Pathfinder Bank. The bank provides a comprehensive suite of banking services, including personal and commercial banking, mortgage lending, and wealth management, primarily catered to the needs of customers in Oswego and Onondaga Counties. With a strong emphasis on community engagement and support for local economic development, Pathfinder Bancorp distinguishes itself through its commitment to exceptional customer service and driving sustainable growth for its clients and communities.
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