PBHC · XBRL financial data
Pathfinder Bancorp financial statements, every fiscal year
The same tables from 6 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (PBHC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Jan 1, 2023 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| General and administrative | 1 | 1 | — | 1 | 1 | 0 |
| Interest expense | 11 | 8 | — | 29 | — | — |
| Income tax expense (benefit) | 1 | 3 | — | 2 | 0 | (2) |
| Net income (loss) | 7 | 12 | — | 9 | 3 | (2) |
| Earnings per share, basic USD per share | 1.17 | — | — | — | — | — |
| Earnings per share, diluted USD per share | 1.17 | — | — | — | — | — |
| Weighted average shares, basic millions of shares | 5 | — | — | — | — | — |
| Weighted average shares, diluted millions of shares | 5 | — | — | — | — | — |
Balance sheet
CSVFiscal years (PBHC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Jan 1, 2023 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 43 | 37 | — | 49 | 32 | 31 |
| Property and equipment, net | 22 | 22 | — | 18 | 19 | 18 |
| Right-of-use asset | 2 | 2 | — | 2 | 1 | 1 |
| Goodwill | 5 | 5 | — | 5 | 5 | 5 |
| Total assets | 1,227 | 1,285 | — | 1,466 | 1,475 | 1,427 |
| Total deposits | 996 | 1,055 | — | 1,120 | 1,205 | 1,184 |
| Long-term debt | 78 | 65 | — | 50 | 27 | 14 |
| Total liabilities | 1,130 | 1,175 | — | 1,346 | 1,353 | 1,304 |
| Retained earnings | 50 | 61 | 2 | 76 | 78 | 73 |
| Total stockholders' equity | 97 | 110 | — | 119 | 121 | 122 |
| Total liabilities and equity | 1,227 | 1,285 | — | 1,466 | 1,475 | 1,427 |
| Common shares outstanding (cover page) millions of shares | 5 | 6 | — | 5 | 5 | 5 |
Cash flows
CSVFiscal years (PBHC's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Jan 1, 2023 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 7 | 12 | — | 9 | 3 | (2) |
| Net cash from operating activities | 47 | 20 | — | 15 | 11 | 12 |
| Purchases of property and equipment | 1 | 1 | — | 2 | 2 | 1 |
| Net cash from investing activities | (149) | (70) | — | (55) | (22) | 40 |
| Dividends paid | 1 | 1 | — | 2 | 2 | 2 |
| Proceeds from long-term debt | 40 | 13 | — | 6 | 11 | 11 |
| Repayments of long-term debt | 30 | 26 | — | 12 | 34 | 24 |
| Net cash from financing activities | 126 | 43 | — | 53 | (6) | (53) |
| Net change in cash | 23 | (6) | — | 13 | (17) | (0) |
Compare with peers
SIC 6022 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6022 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- Runway shows only for companies burning cash with under $10B of public float.
- * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Runway | Quarter |
|---|---|---|---|---|---|---|
| Pathfinder Bancorp | 26 | not reported | 2.3* | not reported | — | 10-QJun 30, 2026 |
| Chain Bridge Bancorp | 822 | not reported | 9* | not reported | — | 10-QJun 30, 2026 |
| Skyline Bankshares | 20 | not reported | 5.2* | 5.7M | — | 10-QJun 30, 2026 |
| First Keystone | 188 | not reported | 2.7* | 6.3M | — | 10-QJun 30, 2026 |
| Embassy Bancorp | 133 | not reported | 3.2* | 7.4M | — | 10-QJun 30, 2026 |
| Consumers Bancorp | not reported | not reported | not reported | not reported | — | — |
| Patriot National Bancorp | 122 | not reported | (5.6)* | 118.7M | 21.6 quarters | 10-QJun 30, 2026 |
| Community Bancorp | 26 | not reported | 5.3* | 5.6M | — | 10-QJun 30, 2026 |
| First US Bancshares | 59 | not reported | 0.7* | 5.5M | — | 10-QJun 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.