About Pathfinder Bancorp, Inc.
https://www.pathfinderbank.comPathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits.
CEO
James A. Dowd CPA, CPA
Compensation Summary
(Year 2019)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2014-10-17 | Forward | 1647:1000 |
| 1998-02-09 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 3 of 17
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
ALLIANCEBERNSTEIN L.P.
Shares:446.05K
Value:$6.35M
MINERVA ADVISORS LLC
Shares:262.2K
Value:$3.73M
OPPENHEIMER & CLOSE, LLC
Shares:91.92K
Value:$1.31M
Summary
Showing Top 3 of 31
About Pathfinder Bancorp, Inc.
https://www.pathfinderbank.comPathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $0 ▼ | $0 ▼ | 0% ▼ | $0.1 ▲ | $388K ▼ |
| Q2-2025 | $17.66M ▼ | $8.06M ▼ | $31K ▼ | 0.18% ▼ | $0.01 ▼ | $551K ▼ |
| Q1-2025 | $20.64M ▼ | $8.43M ▲ | $2.97M ▼ | 14.41% ▼ | $0.48 ▼ | $4.38M ▼ |
| Q4-2024 | $20.78M ▼ | $4.9M ▼ | $3.91M ▲ | 18.8% ▲ | $0.69 ▲ | $5.96M ▲ |
| Q3-2024 | $22.63M | $9.99M | $-4.64M | -20.52% | $-0.75 | $-5.32M |
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $0 ▼ | $1.47B ▼ | $1.35B ▼ | $126.34M ▲ |
| Q2-2025 | $332.43M ▼ | $1.51B ▲ | $1.38B ▲ | $124.41M ▼ |
| Q1-2025 | $335.52M ▲ | $1.5B ▲ | $1.37B ▲ | $124.9M ▲ |
| Q4-2024 | $300.9M ▼ | $1.47B ▼ | $1.35B ▼ | $121.48M ▲ |
| Q3-2024 | $307.3M | $1.48B | $1.36B | $120.25M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $626K ▲ | $7.05M ▲ | $39.16M ▲ | $-37.12M ▼ | $9.1M ▲ | $7.91M ▲ |
| Q2-2025 | $31K ▼ | $-3.74M ▼ | $-25.14M ▼ | $8.88M ▼ | $-19.99M ▼ | $-3.96M ▼ |
| Q1-2025 | $2.97M ▼ | $5.7M ▲ | $-1.87M ▼ | $16.07M ▲ | $19.9M ▲ | $5.06M ▲ |
| Q4-2024 | $3.91M ▲ | $-2.65M ▼ | $3.8M ▲ | $-4.89M ▼ | $-3.75M ▼ | $-3.1M ▼ |
| Q3-2024 | $-4.64M | $11.84M | $-29.32M | $20.98M | $3.5M | $5.06M |
Revenue by Products
| Product | Q4-2024 | Q3-2025 | Q1-2025 | Q2-2025 |
|---|---|---|---|---|
 A T M Fees Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 A T M Fees Surcharge | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Bank Servicing | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Banking | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Banking House Rents Collected | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Credit and Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Credit Card Merchant Discount | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Deposit Related Fees Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Fee Income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Insufficient Funds Fees Deposit Account | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Investment Services Revenue | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Mortgage Banking | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Net Gains Losses On Sale Of Loans And Foreclosed Real Estate | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Insurance Commissions | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
James A. Dowd CPA, CPA
Compensation Summary
(Year 2019)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2014-10-17 | Forward | 1647:1000 |
| 1998-02-09 | Forward | 3:2 |
ETFs Holding This Stock
Summary
Showing Top 3 of 17
Ratings Snapshot
Rating : B+
Price Target
Institutional Ownership
ALLIANCEBERNSTEIN L.P.
Shares:446.05K
Value:$6.35M
MINERVA ADVISORS LLC
Shares:262.2K
Value:$3.73M
OPPENHEIMER & CLOSE, LLC
Shares:91.92K
Value:$1.31M
Summary
Showing Top 3 of 31