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Pathfinder Bancorp PBHC Tier One Risk Based Common Equity

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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$102.28M+15.0%
Enterprise value$108.07M-37.1%
P/S2.2×+0.5×

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:TierOneRiskBasedCommonEquity.

The source filing: Pathfinder Bancorp’s 10-K, filed March 30, 2026.

Filed
Mar 30, 2026, 5:39 PM EDT
Fiscal year
FY2025
Accession
0001193125-26-132075
(In thousands) / As of December 31, 2025:Actual / AmountActual / RatioMinimum For Capital Adequacy Purposes / AmountMinimum For Capital Adequacy Purposes / RatioMinimum To Be"Well-Capitalized"Under Prompt Corrective Provisions / AmountMinimum To Be"Well-Capitalized"Under Prompt Corrective Provisions / RatioMinimum For Capital Adequacy with Buffer / AmountMinimum For Capital Adequacy with Buffer / Ratio
Total Capital (to risk-weighted assets)$146,55914.72%$79,6468.00%$99,55810.00%$104,53510.50%
Tier 1 Capital (to risk-weighted assets)$133,89613.45%$59,7356.00%$79,6468.00%$84,6248.50%
Common Equity Tier 1 (to risk-weighted assets)$133,89613.45%$44,8014.50%$64,7126.50%$69,6907.00%
Tier 1 Capital (to average assets)$133,8969.41%$56,9274.00%$71,1595.00%$71,1595.00%
As of December 31, 2024
Total Capital (to risk-weighted assets)$151,74714.65%$82,8458.00%$103,55610.00%$108,73310.50%
Tier 1 Capital (to risk-weighted assets)$138,74013.40%$62,1336.00%$82,8458.00%$88,0228.50%
Common Equity Tier 1 (to risk-weighted assets)$138,74013.40%$46,6004.50%$67,3116.50%$72,4897.00%

ITEM 8: FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

FAQ

What is Pathfinder Bancorp's tier one risk based common equity?
Pathfinder Bancorp (PBHC) reported tier one risk based common equity of $133.9M in Q4 2025.
How has Pathfinder Bancorp's tier one risk based common equity changed year-over-year?
Pathfinder Bancorp's tier one risk based common equity decreased by 3.5% year-over-year, from $138.74M to $133.9M.
What is the long-term trend for Pathfinder Bancorp's tier one risk based common equity?
Over 5 years (2020 to 2025), Pathfinder Bancorp's tier one risk based common equity has grown at a 5.1% compound annual growth rate (CAGR), from $104.29M to $133.9M.
What does tier one risk based common equity mean?
This metric represents the amount of common equity Tier 1 capital held by the bank, adjusted for risk-weighted assets. It is the most conservative measure of a bank's financial strength, focusing on the capital that is most capable of absorbing losses. Investors monitor this to gauge the bank's ability to sustain operations and support growth through its own equity base.

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