PBHCNasdaqState Commercial BanksFiscal year ends December 31
Pathfinder Bancorp, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 13, 2026
$17.24+0.54 (+3.23%)
Close on Oct 19, 2026
- Market cap
- –
- P/E (TTM)
- –
- Dividend yield
- 2.32%
Margins
Share of revenue, fiscal years 2012 to 2025
Net margin
-4.1%−22.4 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -7.4% | -0.3% | +4.2% | +7.4% | |
| Free cash flow | +13.9% | -19.3% | -25.5% | +11.0% | |
| Dividend per share | 0.0% | +3.6% | +10.8% | +9.6% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 5.1% | 7.4% | -1.6% | |
| Return on assets | 0.5% | 0.6% | -0.1% | |
| Debt to equity | 1.02 | 0.84 | 0.47 | |
| Capex to revenue | 5.6% | 3.3% | 2.7% | |
| Diluted shares | 4M | 5M | – |
Where the cash went
Fiscal 2021 to 2025, five years combined
Pathfinder Bancorp generated $80.21M from operations and spent $16.63M on capital expenditure, dividends and share buybacks. 50% of that went back into the business.
Generated
$80.21M
Used
$16.63M
Capital expenditure$8.40M50%Dividends$8.23M50%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-4.1%
×Asset turnover0.03×
×Equity multiplier11.89×
=Return on equity, FY2025-1.6%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -4.1% | 0.03× | 11.89× | -1.6% |
| FY2024 | 6.7% | 0.03× | 12.20× | 2.8% |
| FY2023 | 21.1% | 0.03× | 12.43× | 8.1% |
| FY2022 | 27.3% | 0.04× | 12.13× | 11.7% |
| FY2021 | 27.9% | 0.04× | 12.09× | 11.9% |
| FY2020 | 18.2% | 0.03× | 12.35× | 7.4% |
| FY2019 | 12.9% | 0.03× | 13.11× | 5.5% |
| FY2018 | 13.6% | 0.03× | 14.40× | 6.4% |
| FY2017 | 12.8% | 0.03× | 13.62× | 5.8% |
| FY2016 | 13.4% | 0.04× | 10.66× | 5.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero-$1.93M
- Cash generatingOperating cash flow above zero$11.68M
- Return on assets improvedROA up on the prior year0.2% → -0.1%
- Earnings backed by cashOperating cash flow above net income$11.68M vs -$1.93M
- Less leverageLong-term debt to assets fell1.8% → 1.0%
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → –
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.03 → 0.03