Pathfinder Bancorp Inc.

PBHC | NASDAQ

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$17.30

-$0.72 (-4.00%)

At close: Sep 21, 2026, 4:00 PM ET

$18.11

+$0.81 (+4.68%)

After-hours: Sep 21, 2026, 4:24 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Year Period Ending	FY 2025 Dec 30, 2025	FY 2024 Dec 30, 2024	FY 2023 Dec 30, 2023	FY 2022 Dec 30, 2022	FY 2021 Dec 30, 2021	FY 2020 Dec 30, 2020
Net Income	2.61M	3.38M	9.29M	12.93M	12.41M	6.95M
Depreciation & Amortization	2.4M	1.34M	1.34M	700K	1.82M	1.38M
Stock-Based Compensation	985K	247K	462K	626K	617K	570K
Other Working Capital	-1.04M	-2.59M	1.58M	3.7M	117K	-1.35M
Other Non-Cash Items	9.3M	8.85M	4.25M	5.28M	4.71M	41.16M
Deferred Income Tax	-3.52M	-417K	-367K	139K	481K	-1.31M
Change in Working Capital	-489K	-2.19M	459K	2.05M	146K	-2.19M
Operating Cash Flow	11.28M	11.21M	15.43M	21.73M	20.15M	46.56M
Capital Expenditures	-1.26M	-8.33M	-1.97M	-5.21M	-1.21M	-1.26M
Cash Acquisitions	816K	1.16M	n/a	n/a	n/a	n/a
Purchase of Investments	-75.21M	-118.22M	-114.37M	-116.57M	-200.46M	-240.27M
Sales Maturities Of Investments	105.12M	126.87M	65.78M	57.66M	145.94M	172.89M
Other Investing Acitivies	11.38M	-30.14M	-4.24M	-67.04M	-14.22M	-80.59M
Investing Cash Flow	40.85M	-22.4M	-54.79M	-131.16M	-69.95M	-149.22M
Debt Repayment	-29.99M	-87.53M	59.6M	38.9M	-14.95M	13.14M
Common Stock Repurchased	n/a	n/a	n/a	n/a	-6.87M	-3.91M
Dividend Paid	-2.46M	-2.38M	-2.19M	-2.04M	-1.6M	-1.41M
Other Financial Acitivies	-20.73M	83.65M	-4.61M	70.7M	60.04M	114.24M
Financial Cash Flow	-52.52M	-5.97M	52.81M	107.56M	43.48M	125.97M
Net Cash Flow	-402K	-17.16M	13.45M	-1.87M	-6.32M	23.3M
Free Cash Flow	10.02M	2.88M	13.47M	16.52M	18.94M	45.3M
Adj. Free Cash Flow	9.03M	2.63M	13M	15.9M	18.33M	44.73M
Maintenance CapEx	-1.26M	-3.03M	n/a	-2.56M	n/a	n/a
Growth CapEx	n/a	-5.3M	-1.97M	-2.65M	-1.21M	-1.26M
Owner Earnings	10.02M	8.18M	15.43M	19.18M	20.15M	46.56M