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Pathfinder Bancorp, Inc. PBHC

Nasdaq · stock · State Commercial Banks · website · IPO 1954-11-05 · LEI

Pathfinder Bancorp, Inc. financials (annual)

Revenue
2016201720182019202020212022202320242025
Net income
$3.3M $3.5M $4.0M $4.3M $7.0M $12.4M $12.9M $9.3M $3.4M -$1.9M 2016201720182019202020212022202320242025
Free cash flow
$4.9M $3.3M $4.5M $45.3M $18.9M $19.8M $13.5M $9.1M $10.4M 2016201720182019202020212022202320242025

Bars are annual figures from 2016 to 2025; red bars are negative (a loss or cash outflow).

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Interest expense——$28.7M$9.7M$7.5M$10.9M$13.5M$9.0M$6.3M$3.8M
Income tax-$2.2M$332,000$2.4M$2.7M$3.5M$2.7M$1.2M$546,000$922,000$1.1M
Net income-$1.9M$3.4M$9.3M$12.9M$12.4M$7.0M$4.3M$4.0M$3.5M$3.3M
EPS (diluted)—————$1.17$0.80$0.94$0.83$0.78
Operating cash flow$11.7M$11.2M$15.4M$21.7M$20.2M$46.6M$8.1M$9.0M$6.8M$6.4M
Free cash flow$10.4M$9.1M$13.5M$19.8M$18.9M$45.3M$4.5M$3.3M$4.9M—
Cash & equivalents————————$22.0M$22.4M
Total assets$1.4B$1.5B$1.5B$1.4B$1.3B$1.2B$1.1B$933.1M$881.3M$749.0M
Total liabilities$1.3B$1.4B$1.3B$1.3B$1.2B$1.1B$1.0B$868.7M$819.1M$690.7M
Shareholders' equity$122.5M$121.5M$120.3M$111.6M$110.6M$97.7M$90.7M$64.5M$62.1M$58.4M

Growth · year-over-year

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net income growth-157.1%-63.6%-28.1%+4.2%+78.5%+62.5%+6.1%+15.5%+6.7%+13.3%
EPS growth—————+46.2%-14.9%+13.3%+6.4%+18.2%
Free cash flow growth+13.9%-32.1%-32.1%+4.7%-58.2%+901.3%+37.5%-32.4%——

Each column is the change versus the prior fiscal year. Growth off a negative or zero base is shown as “—”. CAGR is the compound annual revenue growth across the years shown.

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.