Stocktoria
Pathfinder Bancorp, Inc. PBHC
Nasdaq · XNAS · stock · State Commercial Banks · website · IPO 1954-11-05
Chart by TradingView
4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
-98.7%
Dividend payout · safe
Dividends
Dividend payout-98.7%
Paid from FCF18.3%
Safetysafe
| FY | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Total dividends paid | $1.9M | $1.8M | $1.7M | $1.6M | $1.2M | $1.1M |
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Net income | -$1.9M | $3.4M | $9.3M | $12.9M | $12.4M |
| Operating cash flow | $11.7M | $11.2M | $15.4M | $21.7M | $20.2M |
| Free cash flow | $10.4M | $9.1M | $13.5M | $19.8M | $18.9M |
| Total assets | $1.4B | $1.5B | $1.5B | $1.4B | $1.3B |
| Total liabilities | $1.3B | $1.4B | $1.3B | $1.3B | $1.2B |
| Shareholders' equity | $122.5M | $121.5M | $120.3M | $111.6M | $110.6M |
| Ratios | |||||
| Return on assets | -0.1% | 0.2% | 0.6% | 0.9% | 1.0% |
| Return on equity | -1.6% | 2.8% | 7.7% | 11.6% | 11.2% |
| Debt / equity | 0.11× | 0.22× | 0.42× | 0.50× | 0.58× |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001609065 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.