PBHC
Pathfinder Bancorp, Inc.14.72
-0.04-0.27%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
90.89MP/E (TTM)
12.27Basic EPS (TTM)
1.20Dividend Yield
0.03%Recent Filings
10-Q
8-K
Pathfinder Q3 profit amid credit pressures
Pathfinder Bancorp swung to net income of $626,000, or $0.10 per share, in Q3 2025 from a $31,000 profit last quarter, yet provision expense hit $3.5 million amid rising nonperforming loans to 2.59% of total. Deposits climbed to $1.23 billion on core growth, bolstering net interest income to $11.6 million and margin at 3.34%. Credit volatility persists. A portfolio review wraps by year-end.
8-K
Dividend declared at $0.10
Pathfinder Bancorp declared a quarterly cash dividend of $0.10 per voting and non-voting common share, plus $0.10 per notional share for its issued warrant, payable November 7, 2025 to shareholders of record October 17. This payout signals steady capital return amid Central New York's economic landscape. Yet dividends remain vulnerable to interest rate shifts and regulatory changes.
10-Q
Q2 FY2025 results
Pathfinder Bancorp posted Q2 net income of $31K, down sharply from $2.0M a year ago, hit by a $3.1M pretax charge on nonperforming loans prepped for July sale. Yet net interest income climbed 14% to $10.8M, with margin expanding 33bps to 3.11% on lower deposit costs and steady loan growth. Provision for credit losses rose to $1.2M amid $2.6M net charge-offs, but nonperformers dropped to 1.3% of loans after the cleanup. Deposits edged up 1%, cash sat at $31.5M, and total debt held at $126.7M with ample FHLB lines. Non-GAAP metrics not disclosed in the 10-Q. Loan sales sharpen the portfolio. Competition in upstate New York stays fierce.
8-K
Q2 loss from loan sale
Pathfinder Bancorp swung to a Q2 2025 net loss of $31,000 from $3.0 million profit last quarter, hammered by a $3.1 million pre-tax hit from selling $9.3 million in nonperforming commercial loans in July to slash credit risk. Nonperforming loans plunged 52.3% year-over-year to 1.28% of total loans, while commercial lending grew 4.1% and core deposits hit 78.47%. That sale cleans the books. Yet elevated charge-offs signal lingering commercial pressures.
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