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Pathfinder Bancorp PBHC Provision for Credit Losses

Provision for Credit Losses at other companies

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$2.51B-24.1%
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$106M-10.2%
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$256K+953%
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$123K+161%
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$84K+127%
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RBB BancorpRBB
-$200K-103%

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:ProvisionForLoanLeaseAndOtherLosses.

The official record: Pathfinder Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's provision for credit losses?
Pathfinder Bancorp (PBHC) reported provision for credit losses of -$168K in Q1 2026.
How has Pathfinder Bancorp's provision for credit losses changed year-over-year?
Pathfinder Bancorp's provision for credit losses decreased by 136.8% year-over-year, from $457K to -$168K.
What is the long-term trend for Pathfinder Bancorp's provision for credit losses?
Over 3 years (2022 to 2025), Pathfinder Bancorp's provision for credit losses has grown at a 81.0% compound annual growth rate (CAGR), from $2.75M to $16.34M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.