NASDAQ: PBHC
Pathfinder Bancorp, Inc.CIK 0001609065 · SIC 6022 · State Savings Banks
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PBHC Q2 2026 net income rebounds to $2.7M on absence of prior-year loan charge
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Pathfinder Bancorp reports Q2 2026 net income of $2.7M ($0.42/share), up from $0.01/share a year ago
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Pathfinder Bancorp declares $0.10 quarterly dividend, payable August 7
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Pathfinder Bancorp completes $11.4M reserve build after commercial portfolio review
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Net income falls 19% as nonperforming assets triple to $38.3M; NIM compresses 21bp
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Pathfinder extends Castle Creek registration rights deadline for fourth consecutive year
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Latest financial statements
From 10-Q filed Aug 13, 2026 (period ending Jun 30, 2026). SEC XBRL (companyfacts) — not generated by the model.
Consolidated Statements of Operations (Unaudited)
| Description | Q2 ended Jun 30, 2026 | Q2 ended Jun 30, 2025 |
|---|---|---|
| Operating expenses: | ||
| General and administrative | 0.1 | 0.06 |
| Income before income taxes | 3.3 | 0.04 |
| Income tax expense/(benefit) | 0.6 | 0.01 |
| Net income | 2.7 | 0.03 |
| Diluted earnings per share | 0.47 | |
Consolidated Balance Sheets (Unaudited)
| Description | Jun 30, 2026 | Jun 30, 2025 |
|---|---|---|
| Current assets: | ||
| Property, plant and equipment, net | 17.7 | 19.0 |
| Operating lease right-of-use assets, net | 1.0 | 1.1 |
| Identifiable intangible assets, net | 5.0 | 5.7 |
| Goodwill | 5.1 | 5.1 |
| TOTAL ASSETS | 1,493 | 1,505 |
| Current liabilities: | ||
| Line of credit | 125.0 | 75.5 |
| Long-term debt | 8.4 | 21.0 |
| Total liabilities | 1,367 | 1,381 |
| Shareholders' equity: | ||
| Capital in excess of stated value | 55.6 | 53.6 |
| Accumulated other comprehensive income (loss) | (7.1) | (8.9) |
| Retained earnings (deficit) | 77.2 | 79.6 |
| Total shareholders' equity | 125.7 | 124.4 |
| TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 1,493 | 1,505 |
Consolidated Statements of Cash Flows (Unaudited)
| Description | Six months ended Jun 30, 2026 | Six months ended Jun 30, 2025 |
|---|---|---|
| Operating Activities: | ||
| Net cash from operating activities | 2.1 | 2.0 |
| Investing Activities: | ||
| Net cash from investing activities | (72.4) | (27.0) |
| Financing Activities: | ||
| Net cash from financing activities | 65.1 | 25.0 |
| Net increase/(decrease) in cash | (5.1) | (0.10) |
Amounts in millions USD; EPS as reported. Line labels are presentation-friendly mappings of filer XBRL tags — not a re-audit of the full statements. Use EDGAR for interactive notes and detail. Interactive statements & notes on EDGAR ↗