Pathfinder Bancorp, Inc. — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Pathfinder Bancorp, Inc. filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | ($1.93M) | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $3.38M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $9.29M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $12.93M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $12.41M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $6.95M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $4.28M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $4.03M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $3.49M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $3.27M | Mar 30, 2018 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $11.68M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $11.21M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $15.43M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $21.73M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $20.15M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $46.56M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $8.12M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $8.98M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $6.84M | Mar 27, 2019 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.26M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $2.06M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $1.97M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $1.90M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $1.21M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.26M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $3.60M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $5.69M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $1.98M | Mar 27, 2019 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.43B | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $1.47B | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $1.47B | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $1.40B | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $1.29B | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.23B | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $1.09B | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $933.12M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $881.26M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $749.03M | Mar 30, 2018 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.30B | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $1.35B | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $1.35B | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $1.29B | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $1.17B | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.13B | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $1.00B | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $868.66M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $819.11M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $690.67M | Mar 30, 2018 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $122.45M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $121.48M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $119.50M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $111.00M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $110.29M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $97.46M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $90.43M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $64.22M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $61.81M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $57.93M | Mar 30, 2018 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $5.06M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $5.06M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $4.54M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $4.54M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $4.54M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $4.54M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $4.54M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $4.54M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $4.54M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $4.54M | Mar 30, 2018 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $73.37M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $77.82M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $76.06M | Mar 31, 2025 |
| FY2023 | Jan 1, 2023 | $2.10M | Mar 22, 2024 |
| FY2023 | Dec 31, 2022 | $71.32M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $60.95M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $50.28M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $44.84M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $42.11M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $39.02M | Mar 27, 2019 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2017 | Dec 31, 2017 | $21.99M | Mar 30, 2018 |
| FY2017 | Dec 31, 2016 | $22.42M | Mar 30, 2018 |
| FY2017 | Dec 31, 2015 | $15.25M | Mar 30, 2018 |
| FY2016 | Dec 31, 2014 | $11.36M | Mar 31, 2017 |
| FY2015 | Dec 31, 2013 | $16.58M | Mar 29, 2016 |
| FY2014 | Dec 31, 2012 | $8.67M | Mar 18, 2015 |
Long-Term Debt
Debt obligations due more than one year from the balance sheet date — bonds, term loans, and notes payable. High long-term debt relative to equity can signal elevated financial leverage.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2015 | Dec 31, 2015 | $16.50M | Mar 29, 2016 |
| FY2014 | Dec 31, 2014 | $11.00M | Mar 18, 2015 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | 1 | Mar 30, 2021 |
| FY2020 | Dec 31, 2019 | 0 | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | 0 | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 30, 2018 |
| FY2016 | Dec 31, 2015 | 0 | Mar 31, 2017 |
| FY2015 | Dec 31, 2014 | 0 | Mar 29, 2016 |
| FY2014 | Dec 31, 2013 | 0 | Mar 18, 2015 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | 1 | Mar 30, 2021 |
| FY2020 | Dec 31, 2019 | 0 | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | 0 | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | 0 | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | 0 | Mar 30, 2018 |
| FY2016 | Dec 31, 2015 | 0 | Mar 31, 2017 |
| FY2015 | Dec 31, 2014 | 0 | Mar 29, 2016 |
| FY2014 | Dec 31, 2013 | 0 | Mar 18, 2015 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 4.75M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | 4.75M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | 4.72M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | 4.65M | Mar 22, 2024 |
| FY2021 | Dec 31, 2021 | 5.98M | Mar 25, 2022 |
| FY2021 | Dec 31, 2020 | 4.53M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | 4.71M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | 4.36M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | 4.28M | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | 4.24M | Mar 30, 2018 |
Dividends Paid
Cash dividends distributed to common shareholders during the period. Shown as a positive value despite being a cash outflow in the SEC filing.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.91M | Mar 30, 2026 |
| FY2025 | Dec 31, 2024 | $1.84M | Mar 30, 2026 |
| FY2024 | Dec 31, 2023 | $1.69M | Mar 31, 2025 |
| FY2023 | Dec 31, 2022 | $1.57M | Mar 22, 2024 |
| FY2022 | Dec 31, 2021 | $1.23M | Mar 31, 2023 |
| FY2021 | Dec 31, 2020 | $1.14M | Mar 25, 2022 |
| FY2020 | Dec 31, 2019 | $1.09M | Mar 30, 2021 |
| FY2019 | Dec 31, 2018 | $1.03M | Mar 23, 2020 |
| FY2018 | Dec 31, 2017 | $884.0K | Mar 27, 2019 |
| FY2017 | Dec 31, 2016 | $866.0K | Mar 30, 2018 |