What is Pathfinder Bancorp's market cap?

Pathfinder Bancorp (PBHC) has a market capitalization of $100.1M and trades on NASDAQ.

What is Pathfinder Bancorp's revenue and profitability?

Pathfinder Bancorp generated $45.7M in trailing twelve-month revenue with a net loss of $2.5M, representing a net margin of -5.5%, with free cash flow of $13.9M. These figures are based on the Q1 2026 filing.

Who are Pathfinder Bancorp's competitors?

Pathfinder Bancorp's key competitors include JPMorgan Chase & Co., KeyCorp, M&T Bank Corporation, and others. These companies compete in similar markets and product categories.

Who does Pathfinder Bancorp partner with?

Pathfinder Bancorp's notable partners include Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Government National Mortgage Association, and others.

What subsidiaries does Pathfinder Bancorp have?

Pathfinder Bancorp's subsidiaries include Pathfinder Bank, Whispering Oaks Development Corp., Pathfinder Risk Management Company, Inc., and others.

Where is Pathfinder Bancorp headquartered?

Pathfinder Bancorp is headquartered in United States of America and employs approximately 173 people. It has been publicly traded since 1996.

Pathfinder Bancorp

PBHC

Pathfinder Bancorp Inc is a bank holding company that operates primarily through its wholly-owned subsidiary, Pathfinder Bank.

Market cap

$100.1M+7.2%

Revenue$45.7M-12.2%

Net income-$2.5M-159%

Free cash flow$13.9M-31.8%

Trailing twelve months · change vs. prior year

Table of contents

Earnings

Q1 2026 report

April 29, 2026

Revenue$18.8M EPS$0.38

Read the full report

Next report

Date not yet announced

Financials

Q1 2026

Income statement

See full

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

Balance sheet

See full

Cash & equivalents$39.2M-23.9%

Total debt$45.0M-28.5%

Total equity$123.6M-1.1%

Total assets$1.4B-4.9%

Cash flow

See full

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation & ratios

Valuation

See full

Market cap$100.1M+7.2%

Enterprise value$105.9M-39.2%

P/S2.2×+0.4×

Profitability

See full

Net margin-5.5%-13.6pp

Returns & leverage

See full

Return on equity-2%-5.4pp

Debt / equity0.4×-0.1×

Segments

By product

See full

Banking$976.0K+24.0%

Deposit Account$376.0K+0.5%

Mortgage Banking$275.0K+65.7%

Insufficient Funds Fees Deposit Account$215.0K+3.4%

Net Gains Losses On Sale Of Loans And Foreclosed Real Estate$186.0K+186%

Competitors

By market cap

JPMorgan Chase$946.85B+15.4%

M&T Bank$36.0B+18.4%

KeyCorp$24.1B+17.6%

RBB Bancorp$451.1M+34.8%

PCB Bancorp$398.4M+29.7%

Magyar Bancorp$118.5M+7.7%

Pathfinder Bancorp$100.1M+9.1%

Catalyst Bancorp, Inc.$70.3M+37.8%

By revenue growth

Catalyst Bancorp, Inc.-3.1%

Pathfinder Bancorp-12.2%

By net margin

RBB Bancorp110.34%-362pp

PCB Bancorp33.92%+5.8pp

JPMorgan Chase32.63%+0.4pp

M&T Bank30.45%+1.8pp

KeyCorp26.07%+22.6pp

Magyar Bancorp24.4%—

Catalyst Bancorp, Inc.18.19%+45.5pp

Pathfinder Bancorp-5.46%-13.6pp

Profile

Pathfinder Bancorp Inc is a bank holding company that operates primarily through its wholly-owned subsidiary, Pathfinder Bank. The company provides a comprehensive suite of commercial and retail banking services, focusing on community-based financial relationships in Central New York. Its core value proposition centers on local decision-making and personalized service for individuals, municipalities, and small-to-mid-sized businesses.

Competitive position

The company holds a dominant market share in Oswego County and maintains a significant community-focused presence in the Onondaga County market.

GeographiesUnited States, New York

Customer segmentsSmall and Medium Enterprises, Retail Consumers, Municipal Governments

Business modelInterest-spread banking, Asset-backed lending, Relationship banking

SuppliersFederal Home Loan Bank of New York, Federal Reserve Bank, Depositors, Data processing vendors

CustomersResidential homebuyers, Commercial real estate investors, Local government entities, Small business owners

CountryUnited States of America

Listed1996

Employees173.0

CEOJames A. Dowd

SectorFinancial Services

IndustryBanks - Regional

Websitepathfinderbank.com

FilingsSEC EDGAR

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Questions, answered.

What is Pathfinder Bancorp's market cap?: Pathfinder Bancorp (PBHC) has a market capitalization of $100.1M and trades on NASDAQ.
What is Pathfinder Bancorp's revenue and profitability?: Pathfinder Bancorp generated $45.7M in trailing twelve-month revenue with a net loss of $2.5M, representing a net margin of -5.5%, with free cash flow of $13.9M. These figures are based on the Q1 2026 filing.
Who are Pathfinder Bancorp's competitors?: Pathfinder Bancorp's key competitors include JPMorgan Chase & Co., KeyCorp, M&T Bank Corporation, and others. These companies compete in similar markets and product categories.
Who does Pathfinder Bancorp partner with?: Pathfinder Bancorp's notable partners include Federal National Mortgage Association, Federal Home Loan Mortgage Corporation, Government National Mortgage Association, and others.
What subsidiaries does Pathfinder Bancorp have?: Pathfinder Bancorp's subsidiaries include Pathfinder Bank, Whispering Oaks Development Corp., Pathfinder Risk Management Company, Inc., and others.
Where is Pathfinder Bancorp headquartered?: Pathfinder Bancorp is headquartered in United States of America and employs approximately 173 people. It has been publicly traded since 1996.