Pathfinder Bancorp, Inc.PBHCNASDAQ

Revenue (LTM)

$79M

-5.2% YoY

Net Income (LTM)

$-3M

-201.0% YoY

Free Cash Flow

Revenue CAGR (5Y)

+11.6%

Marginsdeclining

FCFTurned negative

Now unprofitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	51	56↑10.4%	72↑27.4%	83↑16.2%	79↓5.2%
Gross Profit	42	44↑3.4%	40↓8.6%	35↓12.5%	30↓13.2%
Operating Income	16	16↓2.0%	12↓24.9%	5↓56.2%	-4↓179.3%
Net Income	12	13↑4.2%	9↓28.1%	3↓63.6%	-3↓201.0%
EBITDA	18	16↓8.1%	13↓19.9%	6↓50.5%	-2↓129.9%
EPS Diluted	2.07	2.13↑2.9%	1.51↓29.1%	0.42↓72.2%	-0.54↓228.6%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	37	35↓5.0%	49↑38.1%	32↓35.2%	12↓63.5%
Total Current Assets	232	233↑0.4%	315↑35.0%	308↓2.2%	1,162↑277.5%
Total Assets	1,285	1,401↑9.0%	1,466↑4.7%	1,475↑0.6%	1,425↓3.4%
Total Current Liabilities	1,068	1,187↑11.1%	1,248↑5.2%	1,266↑1.4%	44↓96.5%
Total Liabilities	1,175	1,289↑9.7%	1,346↑4.4%	1,353↑0.6%	1,304↓3.6%
Total Equity	110	111↑0.6%	119↑7.7%	121↑1.7%	121↓0.4%
Total Debt	110	153↑39.1%	212↑38.7%	137↓35.5%	107↓21.5%
Net Debt	73	117↑61.7%	163↑38.9%	105↓35.6%	96↓8.8%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	20	22↑7.8%	15↓29.0%	11↓27.4%	0
Capital Expenditure	-1	-5↓329.8%	-2↑62.3%	-8↓323.9%	0
Free Cash Flow	19	17↓12.8%	13↓18.5%	3↓78.6%	0
Stock-Based Comp	1	1↑1.5%	0↓26.2%	0↓46.5%	0
Net Change in Cash	-6	-2↑70.4%	13↑820.4%	-17↓227.6%	-32↓84.0%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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