Pathfinder Bancorp PBHC Loansandleasesreceivableallowanceforunallocatedloanlosses

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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+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 pbhc:Loansandleasesreceivableallowanceforunallocatedloanlosses.

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 loansandleasesreceivableallowanceforunallocatedloanlosses?: Pathfinder Bancorp (PBHC) reported loansandleasesreceivableallowanceforunallocatedloanlosses of $0 in Q4 2025.
What does loansandleasesreceivableallowanceforunallocatedloanlosses mean?: This is the dollar amount of the loan loss reserve that has not been specifically allocated to individual loans or segments. It acts as a general cushion for unforeseen credit losses across the entire portfolio. A higher balance relative to total loans may indicate a conservative approach to managing broad economic uncertainty.