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Home CompaniesPathfinder Bancorp Inc

Pathfinder Bancorp Inc

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
16.71 USD -0.01 ( 0.06%)
Last update at 2026-11-06T21:00:00Z
VOLUME
8796
Market Cap
107.43M
P/E
1711.00

Momentum Score

…

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Source: TradingView
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Day Price Range
16.71
Low
17.09
High
52 Week Price Range
11.89
Low
18.30
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
16.72
Dividend Yield
2.28%
Revenue TTM
33.79M
Revenue Per Share
5.44
Gross Profit TTM
33.79M
Debt / Equity
0.89
ROE
0.11%
Net Debt
95.71M
ROCE
-0.30%
Diluted EPS TTM
0.01

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -4.09M 5.16M 11.78M 15.69M 16.01M
Minority interest 0.00M -1.45M -0.12M -0.10M -0.10M
Net income -3.42M 3.38M 9.29M 12.93M 12.41M
Selling general administrative 19.30M 18.73M 16.80M 16.63M 17.81M
Selling and marketing expenses 0.46M 0.60M 0.67M 0.91M 1.20M
Gross profit 30.49M 35.14M 40.15M 46.41M 43.70M
Reconciled depreciation 2.40M 1.34M 0.53M 1.07M 1.80M
Ebit -4.09M 5.16M 11.78M 24.21M 15.91M
Ebitda -1.94M 6.50M 13.12M 25.28M 17.70M
Depreciation and amortization 2.15M 1.34M 1.34M 1.07M 1.80M
Operating income -4.09M 5.16M 11.78M 24.21M 15.91M
Other operating expenses 83.24M 78.32M 60.04M 0.91M 27.80M
Interest expense 32.32M 37.37M 28.74M 9.70M 7.53M
Tax provision -2.16M 0.33M 2.15M 2.66M 3.50M
Interest income 76.41M 77.74M 63.95M 50.87M 45.52M
Net interest income 44.09M 40.37M 40.52M 41.17M 37.99M
Income tax expense -0.68M 0.33M 2.36M 2.66M 3.50M
Total revenue 79.15M 83.48M 71.82M 46.41M 43.70M
Total operating expenses 34.58M 29.98M 28.36M 0.91M -27.80M
Cost of revenue 48.66M 48.34M 31.67M - -
Total other income expense net - - 11.78M -8.52M 0.10M
Net income from continuing ops -1.93M 4.83M 10.40M 13.03M 12.51M
Net income applicable to common shares - - - 12.93M 12.41M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1425.15M 1474.87M 1471.26M 1400.51M 1285.52M
Intangible assets 5.36M 5.99M 0.09M 0.10M 0.12M
Other current assets - - 59.21M - 6.63M
Total liab 1304.18M 1353.39M 1351.00M 1288.92M 1174.89M
Total stockholder equity 120.97M 121.48M 119.50M 111.00M 110.29M
Other current liab -0.42M 1204.52M 516.44M -0.97M -12.61M
Common stock 0.06M 0.06M 0.06M 0.06M 0.06M
Capital stock 0.06M 0.06M 0.06M 0.06M 0.06M
Retained earnings 71.88M 77.82M 76.06M 71.32M 60.95M
Other liab - - - - 9.39M
Good will 5.06M 5.06M 4.54M 4.54M 4.54M
Other assets 216.54M 233.24M 1640.94M 277.42M 672.61M
Cash 11.52M 31.57M 48.73M 35.28M 37.15M
Total current liabilities 44.00M 1266.07M 665.14M 60.33M 12.61M
Current deferred revenue - - -2.25M - -
Net debt 95.71M 104.94M 162.87M 117.29M 71.95M
Short term debt 44.00M 61.00M 148.69M 60.33M 12.50M
Short long term debt 44.00M 61.00M 125.68M 60.33M 12.50M
Short long term debt total 107.23M 136.51M 211.60M 152.57M 109.10M
Other stockholder equity 54.39M 52.75M 53.11M 51.78M 50.55M
Property plant equipment - - - - 23.80M
Total current assets 1161.90M 307.78M 59.21M 1094.27M 232.27M
Long term investments 413.17M 432.09M 441.21M 387.99M 352.20M
Net tangible assets - - - 102.66M 101.66M
Short term investments 276.81M 269.33M 258.72M 191.73M 190.60M
Net receivables 873.56M 6.88M 7.29M 6.17M 4.52M
Long term debt 44.23M 57.17M 79.83M 85.40M 94.16M
Inventory - - -683.00M - -
Accounts payable 0.42M 0.55M 2.25M 0.97M 0.11M
Accumulated other comprehensive income -5.37M -9.14M -9.74M -12.17M -1.27M
Non currrent assets other -1008.19M 54.47M 1325.76M -387.99M -380.65M
Non current assets total 46.71M 1167.09M 1412.05M 28.82M 380.65M
Capital lease obligations 17.69M 18.34M 6.09M 6.84M 2.44M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 26.75M -22.40M -27.69M -131.16M -54.52M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 40.85M -22.40M -54.79M - -69.95M
Net borrowings -29.99M -87.53M 59.60M - -14.95M
Total cash from financing activities -52.52M -5.97M 52.81M 107.56M 43.48M
Change to operating activities - - - - -0.45M
Net income 2.60M 3.38M 9.29M 12.93M 12.41M
Change in cash -0.40M -17.16M 13.45M -1.87M -6.32M
Begin period cash flow 31.57M 48.73M 35.28M 37.15M 43.46M
End period cash flow 31.17M 31.57M 48.73M 35.28M 37.15M
Total cash from operating activities 11.28M 11.21M 15.43M 21.73M 20.15M
Depreciation 2.40M 1.34M 1.34M 1.07M 1.80M
Other cashflows from investing activities 11.38M -30.14M -4.24M - -4.80M
Dividends paid 2.46M 2.38M 2.19M 2.04M 1.60M
Change to account receivables 0.55M 0.41M -1.12M -1.65M 0.03M
Sale purchase of stock - - -5.36M - -6.87M
Other cashflows from financing activities -20.73M 83.65M -4.61M 113.72M 81.05M
Change to netincome - - - 5.28M 4.37M
Capital expenditures 1.26M 8.33M 1.97M 5.21M 1.21M
Change in working capital -0.49M -2.19M 0.46M 1.89M 0.15M
Stock based compensation 0.98M 0.25M 0.46M 0.63M 0.62M
Other non cash items 9.30M 8.85M 4.25M 4.91M 4.71M
Free cash flow 10.02M 2.88M 13.47M 16.52M 18.94M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
PBHC
Pathfinder Bancorp Inc		 -0.01
0.06%		 16.71 1711.00 11.29 3.18 0.88 6.02
DBSDY
DBS Group Holdings Ltd ADR		 3.79
1.76%		 219.67 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 0.03
0.45%		 6.69 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 -0.08
0.23%		 34.65 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 5.05
5.86%		 91.30 11.53 10.27 5.72 1.83 8.22

Profile*

Pathfinder Bancorp Inc

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

214 West First Street, Oswego, NY, United States, 13126

315 343 0057

https://www.pathfinderbank.com

172

Name Title Year Born
Mr. James A. Dowd CPA, CPA Interim Pres, CEO & COO 1968
Mr. Ronald A. Tascarella Exec. VP & Chief Banking Officer 1959
Mr. Walter F. Rusnak CPA Sr. VP, CFO & Controller 1954
Mr. Daniel R. Phillips Sr. VP & Chief Information Officer 1965
Mr. Heather Bush VP of HR NA
Mr. William D. O'Brien Sr. VP, Chief Risk Officer & Corp. Sec. 1966
Ms. Roberta Davis VP & Financial Analyst NA
Mr. James A. Dowd CPA, CPA President, CEO & Director 1968
Mr. Walter F. Rusnak CPA Senior VP, CFO & Controller 1954
Mr. Ronald A. Tascarella Executive VP & Chief Banking Officer 1959

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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