PBHC
Pathfinder Banco (PBHC)
NASDAQ
$15.88-$0.23 (-1.40%)
Price as of Jun 23, 2026 4:04 PM EDT
  • $79.0M
    Market Cap
  • 13.27%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
44.3M
+8.16%
41.0M
+5.32%
38.9M
-6.00%
41.4M
+8.12%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
44.3M
+8.16%
41.0M
+5.32%
38.9M
-6.00%
41.4M
+8.12%
Sales and Marketing Expense
459,000
-24.01%
604,000
-9.99%
671,000
-25.86%
905,000
-24.46%
Research and Development Expense
-2.7M
+8.13%
-2.5M
+22.45%
-2.0M
-1.18%
-2.0M
-20.08%
Depreciation and Amortization Expense
573,000
+122.09%
258,000
+1,512.50%
16,000
0.00%
16,000
0.00%
Total Operating Expenses
34.6M
+0.48%
34.4M
+17.08%
29.4M
+1.80%
28.9M
+5.02%
Operating Profit
-4.1M
-179.32%
5.2M
-56.21%
11.8M
-24.89%
15.7M
-2.00%
Interest Income
76.7M
-2.17%
78.4M
+15.80%
67.7M
+32.42%
51.1M
+11.50%
Interest Expense
-2.0M
+0.25%
-2.0M
-93.16%
-28.7M
+196.48%
-9.7M
+28.72%
Interest Income and Expense and Net
74.7M
-2.24%
76.4M
+96.28%
38.9M
-6.00%
41.4M
+8.12%
Total Nonoperating Income and Expense
44.3M
+8.16%
41.0M
+5.32%
38.9M
-6.00%
41.4M
+8.12%
Income before Taxes
-4.1M
-179.32%
5.2M
-56.21%
11.8M
-24.89%
15.7M
-2.00%
Income Taxes
-2.2M
-750.60%
332,000
-85.94%
2.4M
-11.07%
2.7M
-24.09%
Extraordinary Items
N/A
N/A
N/A
N/A
0
-100.00%
380,000
N/A
Net Income
-1.9M
-157.14%
3.4M
-63.60%
9.3M
-28.14%
12.9M
+4.23%
Net Income from Continuing Operations Applicable to Common
-4.1M
-179.32%
5.2M
-56.21%
11.8M
-24.89%
15.7M
-2.00%
Basic EPS and Net Income
-0.31
-157.41%
0.54
-82.12%
3.02
-29.11%
4.26
+2.90%
Diluted EPS and Net Income
-0.31
-157.41%
0.54
-82.12%
3.02
-29.11%
4.26
+2.90%
Basic Weighted Average Shares
4,831
+2.48%
4,714
+1.31%
4,653
+2.06%
4,559
-99.90%
Diluted Weighted Average Shares
4,777
+1.34%
4,714
+1.31%
4,653
+2.06%
4,559
-99.90%
Balance Sheet
Cash and Cash Equivalents
11.5M
-17.49%
14.0M
+13.17%
12.3M
-11.49%
13.9M
+0.60%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
11.5M
-17.49%
14.0M
+13.17%
12.3M
-11.49%
13.9M
+0.60%
Total Current Assets
23.4M
-7.15%
25.1M
+13.82%
22.1M
-14.91%
26.0M
+65.13%
Accumulated Depreciation
26.4M
+5.51%
25.0M
+5.68%
23.7M
+6.28%
22.3M
+5.05%
Property and Plant and Equipment and Net
18.0M
-5.27%
19.0M
+3.08%
18.4M
+3.18%
17.9M
-17.48%
Total Long-Term Assets
23.4M
-7.15%
25.1M
+13.82%
22.1M
-14.91%
26.0M
+65.13%
Total Assets
1.4B
-3.27%
1.5B
+0.62%
1.5B
+4.71%
1.4B
+8.93%
Income Taxes Payable
1.6M
+75.68%
917,000
+4.20%
880,000
+2.44%
859,000
+18.98%
Total Short-Term Debt
44.0M
-27.87%
61.0M
-51.46%
125.7M
+108.31%
60.3M
+382.66%
Total Current Liabilities
1.6M
+75.68%
917,000
+4.20%
880,000
+2.44%
859,000
+18.98%
Total Long-Term Debt
44.2M
-22.64%
57.2M
-28.38%
79.8M
-6.52%
85.4M
-9.31%
Total Long-Term Liabilities
15.4M
-46.34%
28.7M
-44.49%
51.6M
-11.11%
58.1M
-13.36%
Total Liabilities
1.3B
-3.64%
1.4B
+0.58%
1.3B
+4.44%
1.3B
+9.69%
Retained Earnings
73.4M
-5.72%
77.8M
+2.31%
76.1M
+4,374.12%
1.7M
-97.21%
Total Stockholders Equity
122.5M
+0.80%
121.5M
+1.66%
119.5M
+7.66%
111.0M
+0.64%
Total Shares Outstanding
4.7M
+0.55%
4.7M
0.00%
4.7M
-21.76%
6.0M
+0.81%
Cash Flow
Cash from Operating Activities
11.7M
+4.18%
11.2M
-27.37%
15.4M
-28.99%
21.7M
+7.83%
Capital Expenditures
1.3M
-38.89%
2.1M
+4.88%
2.0M
+3.58%
1.9M
+56.60%
Cash from Investing Activities
40.4M
+280.57%
-22.4M
-59.12%
-54.8M
-58.23%
-131.2M
+87.50%
Dividends Paid
1.9M
+3.70%
1.8M
+8.88%
1.7M
+7.78%
1.6M
+27.79%
Cash from Financing Activities
-52.5M
+779.65%
-6.0M
-111.31%
52.8M
-50.91%
107.6M
+147.37%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
-9.23%
-173.34%
12.59%
-58.42%
30.28%
-20.10%
37.89%
-9.36%
Return on Assets
-0.13%
-157.89%
0.23%
-64.52%
0.65%
-32.66%
0.96%
-2.47%
Return on Equity
-1.58%
-156.45%
2.81%
-65.18%
8.06%
-31.01%
11.69%
-2.15%
Revenue Growth
8.16%
+53.48%
5.32%
+188.65%
-6.00%
-173.92%
8.12%
-61.39%
Current Ratio
14.49
-47.15%
27.43
+9.22%
25.11
-16.94%
30.23
+38.80%
Cash Ratio
7.15
-53.03%
15.23
+8.60%
14.02
-13.60%
16.23
-15.45%
Debt-to-Equity Ratio
0.72
-25.94%
0.97
-43.44%
1.72
+30.99%
1.31
+35.76%
Debt-to-Assets Ratio
0.06
-22.85%
0.08
-42.87%
0.14
+34.68%
0.10
+25.42%

Earnings & Revenue History

Debt-to-Assets

Cash Flow