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Pathfinder Bancorp PBHC Mortgage Escrow Funds

Mortgage Escrow Funds at other companies

Provident Financial Services logo
Provident Financial ServicesPFS
$48.31M-5.8%
Magyar Bancorp logo
Magyar BancorpMGYR
$4.74M+4.2%
Pioneer Bancorp, Inc. logo
Pioneer Bancorp, Inc.PBFS
$7.29M+12.0%
Patriot National Bancorp logo
Patriot National BancorpPNBK
$2.18M-36.4%
Provident Financial Services logo
Provident Financial ServicesPFS
$8.06M-10.6%
Riverview Bancorp logo
Riverview BancorpRVSB
$607K-1.1%

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:MortgageEscrowFunds.

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 mortgage escrow funds?
Pathfinder Bancorp (PBHC) reported mortgage escrow funds of $6.97M in Q4 2025.
How has Pathfinder Bancorp's mortgage escrow funds changed year-over-year?
Pathfinder Bancorp's mortgage escrow funds decreased by 3.0% year-over-year, from $7.18M to $6.97M.
What is the long-term trend for Pathfinder Bancorp's mortgage escrow funds?
Over 5 years (2020 to 2025), Pathfinder Bancorp's mortgage escrow funds has grown at a 0.0% compound annual growth rate (CAGR), from $6.96M to $6.97M.
What does mortgage escrow funds mean?
Represents the balance of funds held by the bank on behalf of borrowers for the payment of property taxes and insurance premiums. These non-interest-bearing or low-cost deposits provide a stable source of liquidity for the institution. The level of these funds is generally correlated with the size and growth of the bank's mortgage servicing portfolio.