Pathfinder Bancorp PBHC Loansandleasesreceivableallowancenetdeferredloanfees

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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:Loansandleasesreceivableallowancenetdeferredloanfees.

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 loansandleasesreceivableallowancenetdeferredloanfees?: Pathfinder Bancorp (PBHC) reported loansandleasesreceivableallowancenetdeferredloanfees of $0 in Q4 2025.
What does loansandleasesreceivableallowancenetdeferredloanfees mean?: This metric reflects the allowance for credit losses specifically associated with the loan portfolio, net of deferred loan fee adjustments. It represents the bank's estimate of potential losses within its lending book, providing a buffer against future credit deterioration. It is a key indicator of the bank's risk management and asset quality assessment.