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Pathfinder Bancorp PBHC Foreclosed Real Estate Expense

Foreclosed Real Estate Expense at other companies

NEC
Northeast Community BancorpNECB
$330K+61.8%
CTB
Community Trust BancorpCTBI
$378K+95.9%
Peoples Bancorp logo
Peoples BancorpPEBO
$1.12M+0.4%
CF Bankshares logo
CF BanksharesCFBK
$4K+300%
GBC
Glacier BancorpGBCI
$206K+227%
Norwood Financial logo
Norwood FinancialNWFL
$36K+800%

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:ForeclosedRealEstateExpense.

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 foreclosed real estate expense?
Pathfinder Bancorp (PBHC) reported foreclosed real estate expense of $9K in Q1 2026.
How has Pathfinder Bancorp's foreclosed real estate expense changed year-over-year?
Pathfinder Bancorp's foreclosed real estate expense decreased by 57.1% year-over-year, from $21K to $9K.
What is the long-term trend for Pathfinder Bancorp's foreclosed real estate expense?
Over 4 years (2021 to 2025), Pathfinder Bancorp's foreclosed real estate expense has grown at a 23.2% compound annual growth rate (CAGR), from $46K to $106K.
What does foreclosed real estate expense mean?
This represents the costs associated with maintaining, managing, and disposing of real estate properties acquired through foreclosure. It serves as a proxy for the quality of the bank's loan portfolio and the effectiveness of its credit underwriting. High or rising expenses in this category indicate potential stress in the bank's mortgage or commercial real estate loan segments.