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Pathfinder Bancorp, Inc.

PBHC

$15.85 ▼ -1.15 (-6.74%) at close

14 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Pathfinder Bancorp, Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap —

Dividend Yield 2.52%

Revenue Growth -7.4% ↘

Op. Margin -8.7% ↘

ROIC None

FCF / Share None

Trailing P/E —

Price / Book 0.6x

FCF Yield —

Debt / Equity 0.47

info Valuation on last close. End-of-day price, Nov 5, 2026.

14-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$46.83M

↓ -7.4% —

Net Income Profit after all expenses

$-1.93M

↓ -157.1% —

Operating Margin Operating profit as % of sales

-8.7%

↓ -185.6% 16th

Long-Term Debt Long-term obligations

$14.07M

↓ -48.0% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability

Returns

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.40 Latest / share

+0.0% YoY

+11.6% 12-yr CAGR

$0.12

FY 2014

$0.16

FY 2015

$0.20

FY 2016

$0.21

FY 2017

$0.24

FY 2018

$0.24

FY 2019

$0.24

FY 2020

$0.28

FY 2021

$0.36

FY 2022

$0.36

FY 2023

$0.40

FY 2024

$0.40

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Revenue Growth YoY (%)	-7.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-223%)	14.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+143%)	-6.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-213%)	6.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	16.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+180%)	15.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+150%)	12.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+100%)	8.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+47%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+86%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	10.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+68%)	9.5% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+58%)	—	—
EPS Growth YoY (%)	—	—	—	—	—	46.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-17.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	8.9% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	17.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	4.7% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	10.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	N/M	-63.6% Weak ↓ Weak Declining Year-over-year change in net income	-28.1% Weak ↓ Weak Declining Year-over-year change in net income	4.2% Caution ↓ Caution Declining Year-over-year change in net income	78.5% Excellent ↑ Excellent Improving Year-over-year change in net income	62.5% Excellent ↑ Excellent Improving Year-over-year change in net income	6.1% Fair ↓ Fair Declining Year-over-year change in net income	15.5% Good ↑ Good Improving Year-over-year change in net income	6.7% Fair ↓ Fair Declining Year-over-year change in net income	13.3% Fair ↑ Fair Improving Year-over-year change in net income	3.1% Caution Caution Year-over-year change in net income	16.4% Good Good Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	5.0% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	12.6% Good → Good Stable Compound annual revenue growth over 3 years	14.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	11.9% Good ↑ Good Improving Compound annual revenue growth over 3 years	10.6% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.9% Fair → Fair Stable Compound annual revenue growth over 3 years	9.3% Fair Fair Compound annual revenue growth over 3 years	8.7% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	4.2% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	8.3% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	12.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	9.7% Good Good Compound annual revenue growth over 5 years	9.2% Good Good Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	10.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	0.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	13.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	10.4% Good Good Compound annual EPS growth over 3 years	10.8% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Operating Margin (%) (%)	-8.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	10.2% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	26.7% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	33.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	36.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	21.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	16.4% Fair → Fair Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-34%)	15.4% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	16.0% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	18.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	—	—	—	—
Effective Tax Rate (%) (%)	52.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.0% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.9% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.2% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	-4.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	6.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)	21.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	27.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+27%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	12.9% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	13.6% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	12.8% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	13.4% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	12.6% Fair → Fair Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	13.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	12.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	-1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	7.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	11.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-6%)	7.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	4.1% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	5.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Debt to Equity (x)	0.47x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-60%)	0.72x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-40%)	1.47x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+22%)	1.05x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-13%)	0.70x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-42%)	0.84x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-30%)	1.03x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-14%)	1.85x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	1.20x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.02x Caution ↑ Caution Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-15%)	0.58x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	0.80x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-33%)	0.56x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-53%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Revenue per Share (USD)	—	—	—	—	—	$8.27	$7.43	$7.10	$6.67	$5.96	$5.56	$5.02	$4.59	—
Basic EPS, GAAP (USD)	—	—	—	—	—	$1.17	$0.80	$0.97	$0.86	$0.79	$0.67	$0.64	$0.58	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.40	$0.40	$0.36	$0.36	$0.28	$0.24	$0.24	$0.24	$0.21	$0.20	$0.16	$0.12	$0.12	—
Book Value per Share (USD)	$25.80	$25.60	$25.32	$23.86	$18.43	$21.51	$19.20	$14.72	$14.44	$13.67	$16.26	$15.81	$16.28	—
Tangible Book Value per Share (USD)	$23.61	$23.27	$24.34	$22.86	$17.65	$20.48	$18.21	$13.64	$13.34	$12.56	$15.17	$14.76	$14.55	—
Basic Weighted Avg Shares (shares)	—	—	—	—	—	4.61M	4.46M	4.17M	4.08M	4.11M	4.12M	4.16M	4.15M	—
Dividend Payout Ratio (%)	—	—	—	—	—	20.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	30.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	24.7% Excellent → Excellent Stable Dividends paid as a percentage of earnings Optimal: 30-60%	25.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	25.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	18.8% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	20.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$14.07M	$27.07M	$49.92M	$55.66M	$64.60M	$78.03M	$67.99M	$79.53M	$43.29M	$17.00M	$16.50M	—	—	—
Total Equity (USD)	$122.45M	$121.48M	$119.50M	$111.00M	$110.29M	$97.46M	$90.43M	$64.22M	$61.81M	$57.93M	$70.81M	$68.79M	$42.71M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Sales/Revenue/Turnover (USD)	$46.83M	$50.55M	$44.11M	$47.32M	$44.53M	$38.13M	$33.15M	$29.60M	$27.21M	$24.47M	$22.94M	$20.84M	$19.04M	—
Depreciation Expense (USD)	$1.38M	$1.34M	$1.40M	$1.07M	$1.79M	$1.70M	$1.52M	$1.18M	$1.03M	$1.02M	$998.00K	$805.00K	$715.00K	—
Net Income, GAAP (USD)	$-1.93M	$3.38M	$9.29M	$12.93M	$12.41M	$6.95M	$4.28M	$4.03M	$3.49M	$3.27M	$2.89M	$2.80M	$2.41M	—
Operating Cash Flow (USD)	$11.68M	$11.21M	$15.43M	$21.73M	$20.15M	$46.56M	$8.12M	$8.98M	$6.84M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.8%	2.7%	3.0%	3.0%	2.6%	2.6%	2.8%	2.6%	2.7%	3.0%	3.0%	3.1%	—
Efficiency Ratio (%) (%)	73.8%	68.1%	66.6%	61.0%	61.8%	65.8%	77.6%	79.6%	77.5%	78.1%	76.7%	75.2%	77.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 14 years · 54 quarters

Pathfinder Bancorp, Inc.

Analytical Summary

14-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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