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Pathfinder Bancorp PBHC Gross loans

Gross loans at other companies

JPMorgan ChaseJPM

$1.43T+9.6%

M&T BankMTB

$314M-40.1%

KeyCorpKEY

$109.19B+4.2%

Sound Financial BancorpSFBC

$921.52M+4.0%

PCB BancorpPCB

$2.87B+5.4%

SR Bancorp, Inc.SRBK

$862.3M+10.4%

Other financials

Income statement

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

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

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

Market cap$99.35M+10.1%

Enterprise value$105.15M-38.8%

P/S2.2×+0.4×

Profitability

Net margin-5.5%-13.6pp

FCF margin44.5%—

Returns & leverage

Return on equity-2%-5.4pp

Debt / equity0.4×-0.1×

Where this comes from

Reported directly by Pathfinder Bancorp in its filing.

Tagged under the XBRL concept us-gaap:NotesReceivableNet.

The official record: Pathfinder Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's gross loans?: Pathfinder Bancorp (PBHC) reported gross loans of $866.24M in Q1 2026.
How has Pathfinder Bancorp's gross loans changed year-over-year?: Pathfinder Bancorp's gross loans decreased by 3.2% year-over-year, from $894.74M to $866.24M.
What is the long-term trend for Pathfinder Bancorp's gross loans?: Over 5 years (2020 to 2025), Pathfinder Bancorp's gross loans has grown at a 1.3% compound annual growth rate (CAGR), from $812.72M to $867.23M.
What does gross loans mean?: Total loans outstanding before deducting the allowance for credit losses — the gross lending portfolio across all categories.