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Pathfinder Bancorp PBHC Regulatory Capital Requirement

Regulatory Capital Requirement 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 us-gaap:CapitalRequiredForCapitalAdequacy.

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 regulatory capital requirement?
Pathfinder Bancorp (PBHC) reported regulatory capital requirement of $79.65M in Q4 2025.
How has Pathfinder Bancorp's regulatory capital requirement changed year-over-year?
Pathfinder Bancorp's regulatory capital requirement decreased by 3.9% year-over-year, from $82.85M to $79.65M.
What is the long-term trend for Pathfinder Bancorp's regulatory capital requirement?
Over 5 years (2020 to 2025), Pathfinder Bancorp's regulatory capital requirement has grown at a 2.5% compound annual growth rate (CAGR), from $70.27M to $79.65M.
What does regulatory capital requirement mean?
This represents the minimum level of capital that the bank must hold to satisfy regulatory standards and ensure operational stability. It serves as a baseline for assessing the bank's risk management and capital adequacy. Falling near this requirement may limit the bank's ability to grow or distribute capital.