What is Pathfinder Bancorp's allowance for credit loss?

Pathfinder Bancorp (PBHC) reported allowance for credit loss of -$29.44M in Q4 2025.

What does allowance for credit loss mean?

This represents the total estimated reserve set aside by the bank to cover potential future losses on its loan and lease portfolio. It serves as a critical buffer against credit risk and reflects management's assessment of the collectability of the bank's assets. A robust allowance is essential for maintaining financial stability and regulatory compliance.

Pathfinder Bancorp PBHC Allowance For Credit Loss

Allowance For Credit Loss at other companies

John Marshall BancorpJMSB

$19.98M+6.1%

ESQ

Esquire Financial Holdings, Inc.ESQ

$23.54M+21.0%

Pathward Financial, Inc.CASH

$52.46M-20.7%

First BanCorpFBP

-$4K-111%

Xerox Holdings CorporationXRX

$42M-16.0%

Pioneer Bancorp, Inc.PBFS

$28.01M+13.5%

Other financials

Income statement

See full

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

See full

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

See full

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

See full

Market cap$99.35M+8.2%

Enterprise value$105.15M-39.8%

P/S2.2×+0.4×

Profitability

See full

Net margin-5.5%-13.6pp

FCF margin44.5%—

Returns & leverage

See full

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:AllowanceForCreditLoss.

The official record: Pathfinder Bancorp’s 10-K, filed March 30, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's allowance for credit loss?: Pathfinder Bancorp (PBHC) reported allowance for credit loss of -$29.44M in Q4 2025.
What does allowance for credit loss mean?: This represents the total estimated reserve set aside by the bank to cover potential future losses on its loan and lease portfolio. It serves as a critical buffer against credit risk and reflects management's assessment of the collectability of the bank's assets. A robust allowance is essential for maintaining financial stability and regulatory compliance.