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Pathfinder Bancorp PBHC Q2 2025 earnings

Reported July 30, 2025 · Before market open

Revenue$17.7M
EPS-$0.62

Next report

Date not yet announced

Financials

Q2 2025

Income statement

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Revenue$9.3M-13.0%
Net income$31.0K-98.5%
EPS (diluted)$0.47+14.6%

Balance sheet

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Cash & equivalents$31.5M-1.1%
Total debt$114.4M-36.3%
Total equity$124.4M+0.9%
Total assets$1.5B+4.1%

Cash flow

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CapEx$224.0K-74.6%

Valuation & ratios

Valuation

as of 06/30/25
See full
Market cap$89.73M+44.5%
Enterprise value$172.61M-17.7%
P/E39.6×+32.5×
P/S1.8×+0.3×

Profitability

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Net margin4.5%-15.8pp

Returns & leverage

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Return on equity1.8%-5.6pp
Debt / equity0.9×-0.5×

Segments

By product

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Banking$950.0K-19.1%
Deposit Account$380.0K+15.2%
Insufficient Funds Fees Deposit Account$214.0K+10.3%
Credit And Debit Card$195.0K-4.9%
Fee Income$195.0K-60.0%

FAQ

When did Pathfinder Bancorp report Q2 2025 earnings?
Pathfinder Bancorp (PBHC) reported Q2 2025 earnings on July 30, 2025 before market open.
What were Pathfinder Bancorp's Q2 2025 revenue and EPS?
Pathfinder Bancorp reported revenue of $17.7M and eps of $-0.62 for Q2 2025.
How did Pathfinder Bancorp's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 11.7% from $20.0M a year earlier.
Where can I find Pathfinder Bancorp's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000950170-25-100313) and the 10-Q periodic report (0000950170-25-108856) directly on SEC EDGAR. The filing index links above go to sec.gov.