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Pathfinder Bancorp PBHC Mortgage servicing rights

Mortgage servicing rights at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
$663B-0.5%
Magyar Bancorp logo
Magyar BancorpMGYR
$432K+172%
Sound Financial Bancorp logo
Sound Financial BancorpSFBC
$4.1M-12.6%
PCB Bancorp logo
PCB BancorpPCB
$5.69M+1.1%
M&T Bank logo
M&T BankMTB
FB Bancorp, Inc. logo
FB Bancorp, Inc.FBLA

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+8.2%
Enterprise value$105.15M-39.8%
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:ServicingAssetAtAmortizedValue.

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 mortgage servicing rights?
Pathfinder Bancorp (PBHC) reported mortgage servicing rights of $84.65M in Q1 2026.
How has Pathfinder Bancorp's mortgage servicing rights changed year-over-year?
Pathfinder Bancorp's mortgage servicing rights increased by 469.0% year-over-year, from $14.88M to $84.65M.
What is the long-term trend for Pathfinder Bancorp's mortgage servicing rights?
Over 2 years (2023 to 2025), Pathfinder Bancorp's mortgage servicing rights has grown at a 106.4% compound annual growth rate (CAGR), from $20.98M to $89.4M.
What does mortgage servicing rights mean?
This represents the capitalized value of the contractual right to service mortgage loans that have been sold to third-party investors. The bank earns fee income for collecting payments, managing escrow accounts, and handling foreclosures on these loans. It is a key source of non-interest income and is sensitive to changes in mortgage prepayment speeds and interest rates.