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Stocks · Financials · State Commercial Banks

Pathfinder Bancorp, Inc.

PBHC Clue Score60
United States Fiscal year ends December CIK 0001609065
$16.96 -3.09% Close, 9 Oct 2026
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Price $16.96 +4.69% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
Net income
Fiscal year 2016Net income3.3EPS, diluted0.78Fiscal year 2017Net income3.5 +6.7%EPS, diluted0.83 +6.4%Fiscal year 2018Net income4.0 +15.5%EPS, diluted0.94 +13.3%Fiscal year 2019Net income4.3 +6.1%EPS, diluted0.80 −14.9%Fiscal year 2020Net income7.0 +62.5%EPS, diluted1.17 +46.2%Fiscal year 2021Net income12.4 +78.5%Fiscal year 2022Net income12.9 +4.2%Fiscal year 2023Net income9.3 −28.1%Fiscal year 2024Net income3.4 −63.6%Fiscal year 2025Net income−1.9 −157.1%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net income 3.3 3.5 4.0 4.3 7.0 12.4 12.9 9.3 3.4 −1.9
Growth +6.7% +15.5% +6.1% +62.5% +78.5% +4.2% −28.1% −63.6% −157.1%
EPS, diluted 0.78 0.83 0.94 0.80 1.17 n/a n/a n/a n/a n/a
Growth +6.4% +13.3% −14.9% +46.2%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow6.4Capital expenditure−1.4Free cash flow5.0Buybacks−1.8Dividends paid−0.9Fiscal year 2017Operating cash flow6.8Capital expenditure−2.0Free cash flow4.9 −2.8%Buybacks0.0Dividends paid−0.9Fiscal year 2018Operating cash flow9.0Capital expenditure−5.7Free cash flow3.3 −32.4%Dividends paid−1.0Fiscal year 2019Operating cash flow8.1Capital expenditure−3.6Free cash flow4.5 +37.5%Dividends paid−1.1Fiscal year 2020Operating cash flow46.6Capital expenditure−1.3Free cash flow45.3 +901.3%Dividends paid−1.1Fiscal year 2021Operating cash flow20.2Capital expenditure−1.2Free cash flow18.9 −58.2%Dividends paid−1.2Fiscal year 2022Operating cash flow21.7Capital expenditure−1.9Free cash flow19.8 +4.7%Dividends paid−1.6Fiscal year 2023Operating cash flow15.4Capital expenditure−2.0Free cash flow13.5 −32.1%Dividends paid−1.7Fiscal year 2024Operating cash flow11.2Capital expenditure−2.1Free cash flow9.1 −32.1%Dividends paid−1.8Fiscal year 2025Operating cash flow11.7Capital expenditure−1.3Free cash flow10.4 +13.9%Dividends paid−1.9
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 6.4 6.8 9.0 8.1 46.6 20.2 21.7 15.4 11.2 11.7
Capital expenditure −1.4 −2.0 −5.7 −3.6 −1.3 −1.2 −1.9 −2.0 −2.1 −1.3
Free cash flow 5.0 4.9 3.3 4.5 45.3 18.9 19.8 13.5 9.1 10.4
Growth −2.8% −32.4% +37.5% +901.3% −58.2% +4.7% −32.1% −32.1% +13.9%
Buybacks −1.8 0.0 n/a n/a n/a n/a n/a n/a n/a n/a
Dividends paid −0.9 −0.9 −1.0 −1.1 −1.1 −1.2 −1.6 −1.7 −1.8 −1.9

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash22.4Total debt17.0Net cash (debt)5.4Shareholders’ equity57.9Debt to equity0.29Fiscal year 2017Cash22.0Total debt43.3Net cash (debt)−21.3Shareholders’ equity61.8Debt to equity0.70Fiscal year 2018Cash26.3Total debt79.5Net cash (debt)−53.2Shareholders’ equity64.2Debt to equity1.24Fiscal year 2019Cash20.2Total debt68.0Net cash (debt)−47.8Shareholders’ equity90.4Debt to equity0.75Fiscal year 2020Cash43.5Total debt78.0Net cash (debt)−34.6Shareholders’ equity97.5Debt to equity0.80Fiscal year 2021Cash37.1Total debt64.6Net cash (debt)−27.4Shareholders’ equity110.3Debt to equity0.59Fiscal year 2022Cash35.3Total debt55.7Net cash (debt)−20.4Shareholders’ equity111.0Debt to equity0.50Fiscal year 2023Cash48.7Total debt49.9Net cash (debt)−1.2Shareholders’ equity119.5Debt to equity0.42Fiscal year 2024Cash31.6Total debt27.1Net cash (debt)4.5Shareholders’ equity121.5Debt to equity0.22Fiscal year 2025Cash31.2Total debt14.1Net cash (debt)17.1Shareholders’ equity122.5Debt to equity0.11
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 22.4 22.0 26.3 20.2 43.5 37.1 35.3 48.7 31.6 31.2
Total debt 17.0 43.3 79.5 68.0 78.0 64.6 55.7 49.9 27.1 14.1
Net cash (debt) 5.4 −21.3 −53.2 −47.8 −34.6 −27.4 −20.4 −1.2 4.5 17.1
Shareholders’ equity 57.9 61.8 64.2 90.4 97.5 110.3 111.0 119.5 121.5 122.5
Debt to equity 0.29 0.70 1.24 0.75 0.80 0.59 0.50 0.42 0.22 0.11

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Spending
25.2% 21.2% 12.0% 21.4% 31.8% 21.9% 16.9% 20.0% 6.4% n/a
Returns
5.6% 5.6% 6.3% 4.7% 7.1% 11.2% 11.7% 7.8% 2.8% −1.6%
0.4% 0.4% 0.4% 0.4% 0.6% 1.0% 0.9% 0.6% 0.2% −0.1%
Balance and payout
0.29 0.70 1.24 0.75 0.80 0.59 0.50 0.42 0.22 0.11
92.2% 92.9% 93.1% 91.7% 92.0% 91.4% 92.0% 91.8% 91.8% 91.4%
26.5% 25.3% 25.4% 25.5% 16.4% 9.9% 12.1% 18.2% 54.4% n/a
52.3% 18.2% 31.2% 24.1% 2.5% 6.5% 7.9% 12.6% 20.1% 18.3%