Pathfinder Bancorp, Inc.PBHCNASDAQ
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Net Debt Over TimeNormalizing
Percentile Rank71
3Y CAGR-6.6%
5Y CAGR+3.5%
Studio
Year-over-Year Change

Total debt minus cash and cash equivalents

3Y CAGR
-6.6%/yr
vs +2.2%/yr prior
5Y CAGR
+3.5%/yr
Recent deceleration
Acceleration
-8.8pp
Decelerating
Percentile
P71
Within normal range
vs 5Y Ago
1.2x
Modest growth
Streak
2 yr
Consecutive declineNormalizing
PeriodValueYoY Change
2025$95.71M-8.8%
2024$104.94M-35.6%
2023$162.87M+38.9%
2022$117.29M+61.7%
2021$72.55M-9.9%
2020$80.51M-11.3%
2019$90.74M-15.4%
2018$107.31M+60.3%
2017$66.96M+29.9%
2016$51.55M-