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Pathfinder Bancorp PBHC Q1 2026 earnings

Reported April 29, 2026 · Before market open

Revenue$18.8M
EPS$0.38

Next report

Date not yet announced

Financials

Q1 2026

Income statement

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Revenue$11.5M-9.0%
Net income$2.4M-18.9%

Balance sheet

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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

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Operating cash flow-$241.0K-104%
CapEx$248.0K-61.1%
Free cash flow-$489.0K-110%

Valuation & ratios

Valuation

as of 07/29/26
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Market cap$100.1M+9.5%
Enterprise value$105.9M-39.2%
P/S2.2×+0.4×

Profitability

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Net margin-5.5%-13.6pp

Returns & leverage

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Return on equity-2%-5.4pp
Debt / equity0.4×-0.1×

Segments

By product

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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%

Versus estimates

Revenue

Q1 2026$18.8M
Q4 2025$19.6MQ2 2025$17.7MQ1 2025$20.6MQ4 2024$20.8M

Diluted EPS

Q1 2026$0.38
Q4 2025-$1.11Q3 2025$0.10Q2 2025-$0.62Q1 2025$0.41Q4 2024$0.83

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Questions, answered.

When did Pathfinder Bancorp report Q1 2026 earnings?
Pathfinder Bancorp (PBHC) reported Q1 2026 earnings on April 29, 2026 before market open.
What were Pathfinder Bancorp's Q1 2026 revenue and EPS?
Pathfinder Bancorp reported revenue of $18.8M and eps of $0.38 for Q1 2026.
How did Pathfinder Bancorp's Q1 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 8.8% from $20.6M a year earlier and eps declined 7.3% from $0.41.
Where can I find Pathfinder Bancorp's Q1 2026 SEC filings?
You can read the 8-K earnings release (0001193125-26-191606) and the 10-Q periodic report (0001193125-26-226649) directly on SEC EDGAR. The filing index links above go to sec.gov.