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Pathfinder Bancorp PBHC Amortization Accretion Of Deferred Loan Costs

Amortization Accretion Of Deferred Loan Costs at other companies

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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 pbhc:AmortizationAccretionOfDeferredLoanCosts.

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 amortization accretion of deferred loan costs?
Pathfinder Bancorp (PBHC) reported amortization accretion of deferred loan costs of $21K in Q1 2026.
How has Pathfinder Bancorp's amortization accretion of deferred loan costs changed year-over-year?
Pathfinder Bancorp's amortization accretion of deferred loan costs increased by 250.0% year-over-year, from $6K to $21K.
What is the long-term trend for Pathfinder Bancorp's amortization accretion of deferred loan costs?
Over 3 years (2021 to 2024), Pathfinder Bancorp's amortization accretion of deferred loan costs has grown at a -45.6% compound annual growth rate (CAGR), from $1.82M to -$293K.
What does amortization accretion of deferred loan costs mean?
Reflects the non-cash recognition of costs incurred in the origination of loans, which are deferred and amortized over the life of the loan. This metric is essential for understanding the true yield of the loan portfolio by aligning origination expenses with interest income recognition.