What does loans and leases receivables deferred income mean?

This metric captures the net deferred income associated with the bank's loan and lease portfolio, reflecting the impact of origination fees and direct costs. It is used to reconcile the difference between the cash-based principal and the amortized cost basis of the loans. Investors use this to understand the underlying accounting adjustments affecting interest income recognition.

Pathfinder Bancorp PBHC Loans And Leases Receivables Deferred Income

Loans And Leases Receivables Deferred Income at other companies

OptimumBank HoldingsOPHC

$1.3M+75.2%

Financial InstitutionsFISI

-$31.95M+13.3%

Landmark BancorpLARK

$296K-30.5%

Hancock Whitney CorporationHWC

$23.99B+3.9%

Prosperity BancsharesPB

$23.83B+14.0%

ESQ

Esquire Financial Holdings, Inc.ESQ

-$342K+6.0%

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+10.1%

Enterprise value$105.15M-38.8%

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:LoansAndLeasesReceivablesDeferredIncome.

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

Ask your AI about Pathfinder Bancorp's loans and leases receivables deferred income.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Pathfinder Bancorp's loans and leases receivables deferred income?: Pathfinder Bancorp (PBHC) reported loans and leases receivables deferred income of -$1.34M in Q4 2025.
What does loans and leases receivables deferred income mean?: This metric captures the net deferred income associated with the bank's loan and lease portfolio, reflecting the impact of origination fees and direct costs. It is used to reconcile the difference between the cash-based principal and the amortized cost basis of the loans. Investors use this to understand the underlying accounting adjustments affecting interest income recognition.