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Pathfinder Bancorp PBHC Return on equity

Return on equity at other companies

JPMorgan Chase logo
JPMorgan ChaseJPM
16.5%-0.9pp
M&T Bank logo
M&T BankMTB
10.3%+0.9pp
KeyCorp logo
KeyCorpKEY
10%+9.8pp
Magyar Bancorp logo
Magyar BancorpMGYR
9.4%+1.3pp
Sound Financial Bancorp logo
Sound Financial BancorpSFBC
7%+2.1pp
PCB Bancorp logo
PCB BancorpPCB
10.5%+2.5pp

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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Debt / equity0.4×-0.1×

Where this comes from

Calculated from Pathfinder Bancorp’s reported figures.

Based on trailing twelve months.

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 return on equity?
Pathfinder Bancorp (PBHC) reported return on equity of -2% in Q1 2026.
How has Pathfinder Bancorp's return on equity changed year-over-year?
Pathfinder Bancorp's return on equity decreased by 158.4% year-over-year, from 3.4% to -2%.
What is the long-term trend for Pathfinder Bancorp's return on equity?
Over 5 years (2020 to 2025), Pathfinder Bancorp's return on equity has grown at a -26.5% compound annual growth rate (CAGR), from 7.4% to -1.6%.
What does return on equity mean?
Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.