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Pathfinder Bancorp PBHC Tier One Leverage Capital Required To Be Well Capitalized To Average Assets

Tier One Leverage Capital Required To Be Well Capitalized To Average Assets at other companies

SR Bancorp, Inc. logo
SR Bancorp, Inc.SRBK
9%0.0pp
MainStreet Bancshares, Inc. logo
MainStreet Bancshares, Inc.MNSBP

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 us-gaap:TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets.

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 tier one leverage capital required to be well capitalized to average assets?
Pathfinder Bancorp (PBHC) reported tier one leverage capital required to be well capitalized to average assets of 5% in Q4 2025.
How has Pathfinder Bancorp's tier one leverage capital required to be well capitalized to average assets changed year-over-year?
Pathfinder Bancorp's tier one leverage capital required to be well capitalized to average assets decreased by 0.0% year-over-year, from 5% to 5%.
What is the long-term trend for Pathfinder Bancorp's tier one leverage capital required to be well capitalized to average assets?
Over 5 years (2020 to 2025), Pathfinder Bancorp's tier one leverage capital required to be well capitalized to average assets has grown at a 0.0% compound annual growth rate (CAGR), from 5% to 5%.
What does tier one leverage capital required to be well capitalized to average assets mean?
This metric calculates the ratio of the Tier 1 leverage capital required to be well-capitalized against the bank's average total assets. It provides a standardized view of the leverage capital intensity required to maintain a well-capitalized status. This helps investors evaluate the bank's capital efficiency in relation to its total asset size.