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Pathfinder Bancorp PBHC Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$19.6M
EPS-$1.11

Next report

Date not yet announced

Financials

Q4 2025

Income statement

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Revenue$11.8M-22.6%
Net income-$5.6M-242%

Balance sheet

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Cash & equivalents$31.2M-1.3%
Total debt$75.8M-28.8%
Total equity$122.5M+0.8%
Total assets$1.4B-3.3%

Cash flow

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Operating cash flow$2.7M—
CapEx$273.0K-38.1%
Free cash flow$2.4M—

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$87.12M-18.4%
Enterprise value$131.72M-27.5%
P/S1.9×-0.3×

Profitability

See full
Net margin-4.1%-10.8pp

Returns & leverage

See full
Return on equity-1.6%-4.4pp
Debt / equity0.6×-0.3×

Segments

By product

See full
Banking$897.0K-17.3%
Deposit Account$381.0K-5.9%
Insufficient Funds Fees Deposit Account$217.0K-3.6%
Mortgage Banking$208.0K+54.1%
Fee Income$175.0K-33.5%

Versus estimates

Revenue

Q1 2026$18.8M
Q4 2025$19.6M
Q2 2025$17.7MQ1 2025$20.6MQ4 2024$20.8M

Diluted EPS

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

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Questions, answered.

When did Pathfinder Bancorp report Q4 2025 earnings?
Pathfinder Bancorp (PBHC) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Pathfinder Bancorp's Q4 2025 revenue and EPS?
Pathfinder Bancorp reported revenue of $19.6M and eps of $-1.11 for Q4 2025.
How did Pathfinder Bancorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 5.7% from $20.8M a year earlier.
Where can I find Pathfinder Bancorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-029411) and the 10-K periodic report (0001193125-26-132075) directly on SEC EDGAR. The filing index links above go to sec.gov.