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Pathfinder Bancorp PBHC Unrealized Gains Available For Sale Securities

Unrealized Gains Available For Sale Securities at other companies

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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:UnrealizedGainsAvailableForSaleSecurities.

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 unrealized gains available for sale securities?
Pathfinder Bancorp (PBHC) reported unrealized gains available for sale securities of -$5.83M in Q4 2025.
How has Pathfinder Bancorp's unrealized gains available for sale securities changed year-over-year?
Pathfinder Bancorp's unrealized gains available for sale securities increased by 43.0% year-over-year, from -$10.22M to -$5.83M.
What is the long-term trend for Pathfinder Bancorp's unrealized gains available for sale securities?
Over 5 years (2020 to 2025), Pathfinder Bancorp's unrealized gains available for sale securities has grown at a 38.7% compound annual growth rate (CAGR), from $1.13M to -$5.83M.
What does unrealized gains available for sale securities mean?
This metric captures the cumulative unrealized gains on investment securities classified as available-for-sale, which are recorded in accumulated other comprehensive income. It reflects the market value appreciation of the bank's investment portfolio relative to its amortized cost. This provides insight into the potential liquidity buffer and the impact of interest rate fluctuations on the bank's capital position.