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Pathfinder Bancorp PBHC Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

M&T Bank logo
M&T BankMTB
$1.61B+3.0%
KeyCorp logo
KeyCorpKEY
$1.12B+14.1%
Magyar Bancorp logo
Magyar BancorpMGYR
$8.98M+13.5%
Sound Financial Bancorp logo
Sound Financial BancorpSFBC
$8.92M+7.9%
PCB Bancorp logo
PCB BancorpPCB
$26.34M+16.1%
JPMorgan Chase logo
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+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:InterestIncomeExpenseAfterProvisionForLoanLoss.

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 net interest income (after provisions)?
Pathfinder Bancorp (PBHC) reported net interest income (after provisions) of $10.51M in Q1 2026.
How has Pathfinder Bancorp's net interest income (after provisions) changed year-over-year?
Pathfinder Bancorp's net interest income (after provisions) decreased by 4.1% year-over-year, from $10.95M to $10.51M.
What is the long-term trend for Pathfinder Bancorp's net interest income (after provisions)?
Over 4 years (2021 to 2025), Pathfinder Bancorp's net interest income (after provisions) has grown at a -6.3% compound annual growth rate (CAGR), from $37.27M to $28.68M.
What does net interest income (after provisions) mean?
This metric represents the net interest income remaining after accounting for the provision for credit losses. It provides a clearer picture of the bank's core profitability by adjusting for the expected costs of credit risk inherent in the lending business.