When did Pathfinder Bancorp report Q3 2025 earnings?

Pathfinder Bancorp (PBHC) reported Q3 2025 earnings on October 30, 2025 before market open.

What were Pathfinder Bancorp's Q3 2025 revenue and EPS?

Pathfinder Bancorp reported revenue of $13.1M and eps of $0.10 for Q3 2025.

How did Pathfinder Bancorp's Q3 2025 results compare year-over-year?

Compared to the same quarter a year prior, revenue declined 42.1% from $22.6M a year earlier.

Where can I find Pathfinder Bancorp's Q3 2025 SEC filings?

You can read the 10-Q periodic report (0001193125-25-282280) directly on SEC EDGAR. The filing index links above go to sec.gov.

Pathfinder Bancorp PBHC Q3 2025 earnings

Reported October 30, 2025 · Before market open

Revenue$13.1M

EPS$0.10

Next report

Date not yet announced

Financials

Q3 2025

Income statement

See full

Revenue$13.1M-2.5%

Net income$626.0K+113%

EPS (diluted)$0.47+14.6%

Balance sheet

See full

Cash & equivalents$40.6M+14.9%

Total debt$74.5M-37.1%

Total equity$126.3M+5.1%

Total assets$1.5B-0.7%

Cash flow

See full

Operating cash flow$7.0M-40.5%

CapEx$126.0K-75.3%

Free cash flow$6.9M-38.9%

Valuation & ratios

Valuation

as of 09/30/25

See full

Market cap$96.69M+0.3%

Enterprise value$130.62M-27.3%

P/E12.8×-35.1×

P/S1.9×-0.2×

Profitability

See full

Net margin15%+10.6pp

Returns & leverage

See full

Return on equity6.1%+4.4pp

Debt / equity0.6×-0.4×

Segments

By product

See full

Banking$1.1M-28.1%

Deposit Account$404.0K+3.1%

Credit And Debit Card$237.0K-25.7%

Insufficient Funds Fees Deposit Account$235.0K+6.3%

Mortgage Banking$234.0K+38.5%

Versus estimates

Revenue

Q1 2026$18.8M Q4 2025$19.6M Q2 2025$17.7M Q1 2025$20.6M Q4 2024$20.8M

Diluted EPS

Q1 2026$0.38 Q4 2025-$1.11

Q3 2025$0.10

Q2 2025-$0.62 Q1 2025$0.41 Q4 2024$0.83

Ask the moment Pathfinder Bancorp reports.

Connect your AI and ask the moment the filing drops. It reads the release, surfaces what management said, and gives you its own read.

Connect your AI

Claude

Questions, answered.

When did Pathfinder Bancorp report Q3 2025 earnings?: Pathfinder Bancorp (PBHC) reported Q3 2025 earnings on October 30, 2025 before market open.
What were Pathfinder Bancorp's Q3 2025 revenue and EPS?: Pathfinder Bancorp reported revenue of $13.1M and eps of $0.10 for Q3 2025.
How did Pathfinder Bancorp's Q3 2025 results compare year-over-year?: Compared to the same quarter a year prior, revenue declined 42.1% from $22.6M a year earlier.
Where can I find Pathfinder Bancorp's Q3 2025 SEC filings?: You can read the 10-Q periodic report (0001193125-25-282280) directly on SEC EDGAR. The filing index links above go to sec.gov.