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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

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Revenue$13.1M-2.5%
Net income$626.0K+113%
EPS (diluted)$0.47+14.6%

Balance sheet

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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

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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
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Market cap$96.69M+0.3%
Enterprise value$130.62M-27.3%
P/E12.8×-35.1×
P/S1.9×-0.2×

Profitability

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Net margin15%+10.6pp

Returns & leverage

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Return on equity6.1%+4.4pp
Debt / equity0.6×-0.4×

Segments

By product

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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%

FAQ

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 8-K earnings release (0001193125-25-258539) and the 10-Q periodic report (0001193125-25-282280) directly on SEC EDGAR. The filing index links above go to sec.gov.