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Pathfinder Bancorp PBHC Loan Commitments Outstanding With Variable Interest Rates

Loan Commitments Outstanding With Variable Interest Rates at other companies

Dime Community Bancshares
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Dime Community Bancshares DCOM
$115.8M+48.8%
Southern First Bancshares logo
Southern First BancsharesSFST
$190.55M+15.2%
U.S. Bancorp logo
U.S. BancorpUSB
$854.5B+7.0%
Provident Financial Services logo
Provident Financial ServicesPFS
$3.71B+35.9%
National Bank Holdings logo
National Bank HoldingsNBHC
$1.57B+19.1%
Great Southern Bancorp logo
Great Southern BancorpGSBC
$0-100%

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$101.61M
Enterprise value$107.4M
P/S2.2×

Profitability

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Net margin-5.5%
FCF margin44.5%

Returns & leverage

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Return on equity-2%
Debt / equity0.4×

Where this comes from

Reported directly by Pathfinder Bancorp in its filing.

Tagged under the XBRL concept pbhc:LoanCommitmentsOutstandingWithVariableInterestRates.

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 loan commitments outstanding with variable interest rates?
Pathfinder Bancorp (PBHC) reported loan commitments outstanding with variable interest rates of $135.6M in Q4 2025.
How has Pathfinder Bancorp's loan commitments outstanding with variable interest rates changed year-over-year?
Pathfinder Bancorp's loan commitments outstanding with variable interest rates decreased by 30.4% year-over-year, from $194.7M to $135.6M.
What is the long-term trend for Pathfinder Bancorp's loan commitments outstanding with variable interest rates?
Over 5 years (2020 to 2025), Pathfinder Bancorp's loan commitments outstanding with variable interest rates has grown at a -1.9% compound annual growth rate (CAGR), from $149.6M to $135.6M.
What does loan commitments outstanding with variable interest rates mean?
This represents the total volume of undrawn loan commitments that carry variable interest rates. It serves as a measure of the bank's potential future credit exposure and interest rate sensitivity. High levels indicate significant potential for balance sheet expansion and floating-rate income generation.