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%

Pathfinder Bancorp, Inc. cash flow statement

Annual Quarterly TTM

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31
Deferred Income Taxes	-3.52	-0.42	-0.37	0.14	0.48	-0.14	-0.02	0.34	-0.10	-0.25	0.12	0.35	0.20
Operating Cash Flow	12	11	15	22	20	47	8.12	8.98	6.84	6.37	6.31	5.03	5.11
Capital Expenditures	-1.26	-2.06	-1.97	-1.90	-1.21	-1.26	-3.60	-5.69	-1.98	-1.36	-2.63	-2.36	-2.26
Acquisitions	–	–	–	–	–	–	–	–	–	0	-0.23	0	-0.36
Sale of Property, Plant & Equipment	–	3.01	0	0.99	0.23	0	–	0.01	–	–	–	0	0.02
Purchase of Investments	-0.51	-0.67	-1.60	-1.63	0	-97	-89	-28	-154	-162	-74	-37	-40
Sale & Maturity of Investments	80	119	0	0.71	1.56	0	62	50	110	102	59	23	29
Investing Cash Flow	40	-22	-55	-131	-70	-149	-163	-52	-134	-121	-61	-64	-21
Dividends Paid	-1.91	-1.84	-1.69	-1.57	-1.23	-1.14	-1.09	-1.03	-0.88	-0.87	-0.61	-0.32	-0.30
Share Repurchases	–	–	–	–	–	–	–	–	0	-1.76	0	-1.05	0
Stock Issued	–	–	–	–	–	–	–	–	–	–	0	25	0
Debt Issued	11	11	6.27	9.29	13	40	20	38	33	3.50	19	0	–
Debt Repaid	-24	-34	-12	-18	-26	-30	-31	-2.00	-7.00	-3.00	-13	-5.85	-9.11
Short-Term Debt Issued (Repaid), Net	-17	-65	65	48	8.48	-21	-14	8.40	-11	17	-30	31	15
Financing Cash Flow	-53	-5.97	53	108	43	126	149	47	127	122	59	54	24
Net Change in Cash	-0.40	-17	13	-1.87	-6.32	23	-6.16	4.33	-0.43	7.17	3.89	-5.22	7.91
Free Cash Flow	10	9.15	13	20	19	45	4.52	3.29	4.87	5.01	3.68	2.67	2.85
Income Taxes Paid	0.50	0.60	3.16	3.22	2.46	2.65	0.75	0.66	0.95	0.97	1.24	0.63	0.97
Interest Paid	32	39	27	1.75	7.44	11	13	8.93	6.18	3.93	2.52	2.64	3.32

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 0.3%
Return on equity, FY2025: -1.6%

Financial strength

Current ratio: –
Debt to equity: 1.06
Debt to assets: 8.9%
Cash to current liabilities: –

Valuation

P/E ratio: –
Price to sales: –
Price to book: –
Dividend yield: 2.32%