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Pathfinder Bancorp PBHC Loan And Lease Receivable Deferred Income

Loan And Lease Receivable Deferred Income 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+10.1%
Enterprise value$105.15M-38.8%
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:LoanAndLeaseReceivableDeferredIncome.

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 loan and lease receivable deferred income?
Pathfinder Bancorp (PBHC) reported loan and lease receivable deferred income of -$1.27M in Q1 2026.
How has Pathfinder Bancorp's loan and lease receivable deferred income changed year-over-year?
Pathfinder Bancorp's loan and lease receivable deferred income increased by 20.4% year-over-year, from -$1.6M to -$1.27M.
What is the long-term trend for Pathfinder Bancorp's loan and lease receivable deferred income?
Over 2 years (2023 to 2025), Pathfinder Bancorp's loan and lease receivable deferred income has grown at a 52.8% compound annual growth rate (CAGR), from -$574K to -$1.34M.
What does loan and lease receivable deferred income mean?
This metric tracks the unamortized portion of loan origination fees and costs that are deferred and recognized over the life of the loan. It represents an accounting adjustment that impacts the effective yield of the loan portfolio. Changes in this balance reflect the volume of new loan originations and the timing of fee recognition.