PBHC
Pathfinder Bancorp, Inc.14.72
-0.04-0.27%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '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
8-K
Tax benefit revises losses
Pathfinder Bancorp revised its Q4 and full-year 2025 results on February 27, 2026, booking a $1.5 million additional non-cash income tax benefit from updated deferred tax asset analysis. Q4 net loss improved to $5.6 million or $(0.88) per diluted share from $7.0 million; full-year loss narrowed to $1.9 million or $(0.31) per share. Revisions hit the upcoming 10-K. Non-cash tweak sharpens the picture.
8-K
Q4 loss from loan reserves
Pathfinder Bancorp posted a Q4 2025 net loss of $7.0 million ($1.11/share) after a $11.2 million credit provision boosted its ACL to $29.4 million (3.28% of loans) post-commercial portfolio review. Nonperforming loans hit $27.6 million; $6.3 million substandard loans shifted to held-for-sale. Reserves now cover legacy risks. Cleaner slate ahead.
8-K
PBHC declares $0.10 dividend
10-Q
Q3 FY2025 results
Pathfinder Bancorp swung to net income of $626K in Q3 ended September 30, 2025—up from a $4.6M loss y/y—while net interest income dipped 1.1% to $11.6M (margin steady at 3.34%) on lower loan yields yet falling deposit/borrowing costs. Provision for credit losses fell to $3.5M from $9.0M y/y, driven by $670K net charge-offs (0.30% annualized) versus prior year's outsized hits; noninterest expense dropped 12.9% sans insurance agency costs and branch deal fees. Loans shrank 2.2% to $898.5M, deposits grew 1.7% to $1.23B, cash hit $40.6M, total debt $87M with $191.6M borrowing capacity. Non-GAAP metrics not disclosed in the 10-Q. Loans past due ticked to 4.1%. Credit risk lingers from commercial concentrations.
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.
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