What is Pathfinder Bancorp's loans held for sale?

Pathfinder Bancorp (PBHC) reported loans held for sale of $5.7M in Q1 2026.

What is the long-term trend for Pathfinder Bancorp's loans held for sale?

Over 5 years (2020 to 2025), Pathfinder Bancorp's loans held for sale has grown at a 31.1% compound annual growth rate (CAGR), from $1.53M to $5.9M.

What does loans held for sale mean?

Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.

Pathfinder Bancorp PBHC Loans held for sale

Loans held for sale at other companies

KeyCorpKEY

$876M+8.0%

Sound Financial BancorpSFBC

$281K-87.6%

PCB BancorpPCB

$3.6M-70.2%

RBB BancorpRBB

$0-100%

OP BancorpOPBK

$9.5M+109%

JPMorgan ChaseJPM

——

Other financials

Income statement

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Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

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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

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Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

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Market cap$99.35M+10.1%

Enterprise value$105.15M-38.8%

P/S2.2×+0.4×

Profitability

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Net margin-5.5%-13.6pp

FCF margin44.5%—

Returns & leverage

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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:MortgagesHeldForSaleFairValueDisclosure.

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 loans held for sale?: Pathfinder Bancorp (PBHC) reported loans held for sale of $5.7M in Q1 2026.
What is the long-term trend for Pathfinder Bancorp's loans held for sale?: Over 5 years (2020 to 2025), Pathfinder Bancorp's loans held for sale has grown at a 31.1% compound annual growth rate (CAGR), from $1.53M to $5.9M.
What does loans held for sale mean?: Originated mortgage loans intended for sale into the secondary market, carried at fair value or lower of cost/market.