PBHC NASDAQ
Pathfinder Bancorp, Inc.
1W: -1.5%
1M: -1.3%
3M: +6.1%
YTD: +21.1%
1Y: +14.3%
3Y: +30.8%
5Y: +13.4%
$16.79
-0.01 (-0.06%)
Pre-Market: $15.60 (-1.19, -7.09%)
Weekly Expected Move ±4.9%
$15
$16
$17
$18
$18
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
Dividends
Analysis
Technicals
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Peers
ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Balance Sheet Trends
Total Assets
$1.4B
-3.4% ▼
5Y CAGR: +3.0%
Total Liabilities
$1.3B
-3.6% ▼
5Y CAGR: +2.9%
Shareholders Equity
$121M
-0.4% ▼
5Y CAGR: +4.4%
Cash & Investments
$288M
-4.2% ▼
5Y CAGR: +10.9%
Total Debt
$107M
-21.5% ▼
5Y CAGR: -2.9%
Net Debt
$96M
-8.8% ▼
Assets vs Liabilities & Equity
Year-over-Year Growth
View Full Balance Sheet
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| — Assets — | |||||
| Cash | $37M | $35M | $49M | $32M | $12M |
| Short-Term Investments | $191M | $192M | $259M | $269M | $277M |
| Cash & ST Investments | $228M | $227M | $307M | $301M | $288M |
| Net Receivables | $5M | $6M | $7M | $7M | $874M |
| Inventory | $0 | $0 | $0 | $0 | $0 |
| Other Current Assets | $0 | $0 | $0 | $0 | $0 |
| Total Current Assets | $232M | $233M | $315M | $308M | $1.2B |
| Property, Plant & Equip. | $24M | $24M | $24M | $37M | $35M |
| Goodwill & Intangibles | $5M | $5M | $5M | $11M | $10M |
| Long-Term Investments | $981M | $1.1B | $1.1B | $1.1B | $1.3B |
| Other Non-Current Assets | $43M | $56M | $56M | $54M | -$1.3B |
| Total Non-Current Assets | $1.1B | $1.2B | $1.2B | $1.2B | $47M |
| Total Assets | $1.3B | $1.4B | $1.5B | $1.5B | $1.4B |
| — Liabilities — | |||||
| Accounts Payable | $106K | $975K | $2M | $546K | $0 |
| Short-Term Debt | $12M | $60M | $126M | $61M | $44M |
| Deferred Revenue | $0 | $0 | $0 | $0 | $0 |
| Other Current Liabilities | $1.1B | $1.1B | $1.1B | $1.2B | -$424K |
| Total Current Liabilities | $1.1B | $1.2B | $1.2B | $1.3B | $44M |
| Long-Term Debt | $94M | $85M | $80M | $57M | $46M |
| Other Non-Current Liab. | $9M | $9M | $12M | $12M | $1.2B |
| Total Non-Current Liabilities | $107M | $102M | $98M | $87M | $1.3B |
| Total Liabilities | $1.2B | $1.3B | $1.3B | $1.4B | $1.3B |
| — Equity — | |||||
| Common Stock | $60K | $61K | $61K | $61K | $62K |
| Retained Earnings | $61M | $71M | $76M | $78M | $72M |
| Accumulated OCI | -$1M | -$12M | -$10M | -$9M | -$5M |
| Total Stockholders Equity | $110M | $111M | $119M | $121M | $121M |
| Total Liabilities & Equity | $1.3B | $1.4B | $1.5B | $1.5B | $1.4B |
| — Key Metrics — | |||||
| Total Debt | $110M | $153M | $212M | $137M | $107M |
| Net Debt | $73M | $117M | $163M | $105M | $96M |
| Total Investments | $1.2B | $1.3B | $1.3B | $1.3B | $1.3B |