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Pathfinder Bancorp PBHC Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations

Unrealized Loss And Transition Obligation For Pension And Other Postretirement Obligations 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+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:UnrealizedLossAndTransitionObligationForPensionAndOtherPostretirementObligations.

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 loss and transition obligation for pension and other postretirement obligations?
Pathfinder Bancorp (PBHC) reported unrealized loss and transition obligation for pension and other postretirement obligations of -$1.65M in Q4 2025.
How has Pathfinder Bancorp's unrealized loss and transition obligation for pension and other postretirement obligations changed year-over-year?
Pathfinder Bancorp's unrealized loss and transition obligation for pension and other postretirement obligations increased by 38.9% year-over-year, from -$2.7M to -$1.65M.
What is the long-term trend for Pathfinder Bancorp's unrealized loss and transition obligation for pension and other postretirement obligations?
Over 5 years (2020 to 2025), Pathfinder Bancorp's unrealized loss and transition obligation for pension and other postretirement obligations has grown at a -10.3% compound annual growth rate (CAGR), from -$2.83M to -$1.65M.
What does unrealized loss and transition obligation for pension and other postretirement obligations mean?
This metric quantifies the unrecognized losses and transition obligations associated with defined benefit pension plans and other postretirement benefit plans. It represents a long-term liability that has not yet been fully reflected in the income statement. Monitoring this is essential for understanding the potential future impact of benefit obligations on the company's equity and financial health.