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Pathfinder Bancorp PBHC Operating Lease Right Of Use Asset Expense

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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:OperatingLeaseRightOfUseAssetExpense.

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 operating lease right of use asset expense?
Pathfinder Bancorp (PBHC) reported operating lease right of use asset expense of $4.44M in Q4 2025.
What is the long-term trend for Pathfinder Bancorp's operating lease right of use asset expense?
Over 3 years (2022 to 2025), Pathfinder Bancorp's operating lease right of use asset expense has grown at a 100.7% compound annual growth rate (CAGR), from $549K to $4.44M.
What does operating lease right of use asset expense mean?
This metric quantifies the periodic expense recognized for the right to use leased assets under operating lease accounting standards. It reflects the operational cost of maintaining physical branch or office space infrastructure. Tracking this helps in evaluating the bank's fixed cost structure and operational efficiency.