S&P 500$7,553.68
-0.74%
2m
DOW 30$50,687.07
-1.21%
2m
NASDAQ 100$30,571.24
-0.29%
2m
Russell 2000$287.67
-1.37%
2m
Russell 1000$411.83
-0.71%
2m
S&P 400$3,751.11
-0.10%
2m
S&P 600$1,681.95
-0.85%
2m

Pathfinder Banco (PBHC)

NASDAQ

$14.00+$0.35 (+2.56%)

Price as of Jun 03, 2026 5:48 PM EDT

$66.8M
Market Cap
-6.73%
1-Year Change
Banks - Regional
Industry

Annual

Quarterly

	12/31/2025	12/31/2023	12/31/2022	12/31/2021
Income Statement
Total Operating Revenue	44.3M +13.92%	38.9M -6.00%	41.4M +8.12%	38.3M +21.02%
Cost of Revenue	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Gross Profit	44.3M +13.92%	38.9M -6.00%	41.4M +8.12%	38.3M +21.02%
Sales and Marketing Expense	459,000 -31.59%	671,000 -25.86%	905,000 -24.46%	1.2M +27.31%
Research and Development Expense	-2.7M +32.41%	-2.0M -1.18%	-2.0M -20.08%	-2.6M +6.64%
Depreciation and Amortization Expense	573,000 +3,481.25%	16,000 0.00%	16,000 0.00%	16,000 0.00%
Total Operating Expenses	34.6M +17.64%	29.4M +1.80%	28.9M +5.02%	27.5M +9.63%
Operating Profit	-4.1M -134.73%	11.8M -24.89%	15.7M -2.00%	16.0M +91.93%
Interest Income	76.7M +13.29%	67.7M +32.42%	51.1M +11.50%	45.8M +7.81%
Interest Expense	-2.0M -93.14%	-28.7M +196.48%	-9.7M +28.72%	-7.5M -30.67%
Interest Income and Expense and Net	74.7M +91.89%	38.9M -6.00%	41.4M +8.12%	38.3M +21.02%
Total Nonoperating Income and Expense	44.3M +13.92%	38.9M -6.00%	41.4M +8.12%	38.3M +21.02%
Income before Taxes	-4.1M -134.73%	11.8M -24.89%	15.7M -2.00%	16.0M +91.93%
Income Taxes	-2.2M -191.45%	2.4M -11.07%	2.7M -24.09%	3.5M +170.19%
Extraordinary Items	N/A N/A	0 -100.00%	380,000 N/A	N/A N/A
Net Income	-1.9M -120.80%	9.3M -28.14%	12.9M +4.23%	12.4M +78.52%
Net Income from Continuing Operations Applicable to Common	-4.1M -134.73%	11.8M -24.89%	15.7M -2.00%	16.0M +196.19%
Basic EPS and Net Income	-0.31 -110.26%	3.02 -29.11%	4.26 +2.90%	4.14 +253.85%
Diluted EPS and Net Income	-0.31 -110.26%	3.02 -29.11%	4.26 +2.90%	4.14 +253.85%
Basic Weighted Average Shares	4,831 +3.83%	4,653 +2.06%	4,559 -99.90%	4.5M -2.82%
Diluted Weighted Average Shares	4,777 +2.66%	4,653 +2.06%	4,559 -99.90%	4.5M -2.82%
Balance Sheet
Cash and Cash Equivalents	11.5M -6.62%	12.3M -11.49%	13.9M +0.60%	13.9M -7.04%
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 -6.62%	12.3M -11.49%	13.9M +0.60%	13.9M -7.04%
Total Current Assets	23.4M +5.67%	22.1M -14.91%	26.0M +65.13%	15.7M +12.73%
Accumulated Depreciation	26.4M +11.51%	23.7M +6.28%	22.3M +5.05%	21.2M +8.88%
Property and Plant and Equipment and Net	18.0M -2.35%	18.4M +3.18%	17.9M -17.48%	21.7M -2.72%
Total Long-Term Assets	23.4M +5.67%	22.1M -14.91%	26.0M +65.13%	15.7M +12.73%
Total Assets	1.4B -2.67%	1.5B +4.71%	1.4B +8.93%	1.3B +4.70%
Income Taxes Payable	1.6M +83.07%	880,000 +2.44%	859,000 +18.98%	722,000 -18.79%
Total Short-Term Debt	44.0M -64.99%	125.7M +108.31%	60.3M +382.66%	12.5M +210.95%
Total Current Liabilities	1.6M +83.07%	880,000 +2.44%	859,000 +18.98%	722,000 -18.79%
Total Long-Term Debt	44.2M -44.60%	79.8M -6.52%	85.4M -9.31%	94.2M -19.82%
Total Long-Term Liabilities	15.4M -70.21%	51.6M -11.11%	58.1M -13.36%	67.0M -16.78%
Total Liabilities	1.3B -3.07%	1.3B +4.44%	1.3B +9.69%	1.2B +3.97%
Retained Earnings	73.4M -3.54%	76.1M +4,374.12%	1.7M -97.21%	60.9M +21.20%
Total Stockholders Equity	122.5M +2.47%	119.5M +7.66%	111.0M +0.64%	110.3M +13.17%
Total Shares Outstanding	4.7M +0.55%	4.7M -21.76%	6.0M +0.81%	6.0M +32.05%
Cash Flow
Cash from Operating Activities	11.7M -24.33%	15.4M -28.99%	21.7M +7.83%	20.2M -56.71%
Capital Expenditures	1.3M -35.91%	2.0M +3.58%	1.9M +56.60%	1.2M -3.89%
Cash from Investing Activities	40.4M +173.82%	-54.8M -58.23%	-131.2M +87.50%	-70.0M -53.12%
Dividends Paid	1.9M +12.90%	1.7M +7.78%	1.6M +27.79%	1.2M +7.92%
Cash from Financing Activities	-52.5M -199.47%	52.8M -50.91%	107.6M +147.37%	43.5M -65.48%
Financials Ratio
Gross Margin	N/A N/A	N/A N/A	N/A N/A	N/A N/A
Operating Margin	N/A N/A	30.28% -20.10%	37.89% -9.36%	41.80% +58.59%
Return on Assets	N/A N/A	0.65% -32.66%	0.96% -2.47%	0.99% +64.93%
Return on Equity	N/A N/A	8.06% -31.01%	11.69% -2.15%	11.94% +61.46%
Revenue Growth	N/A N/A	-6.00% -173.92%	8.12% -61.39%	21.02% +73.88%
Current Ratio	N/A N/A	25.11 -16.94%	30.23 +38.80%	21.78 +38.81%
Cash Ratio	N/A N/A	14.02 -13.60%	16.23 -15.45%	19.19 +14.46%
Debt-to-Equity Ratio	N/A N/A	1.72 +30.99%	1.31 +35.76%	0.97 -22.40%
Debt-to-Assets Ratio	N/A N/A	0.14 +34.68%	0.10 +25.42%	0.08 -16.08%

Earnings & Revenue History

Debt-to-Assets

Cash Flow