Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.verified

PBHC

Price:

$15.45

Market Cap:

$95.48M

Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by dep...[Read more]

Industry

Banks - Regional

IPO Date

1995-11-16

Stock Exchange

NASDAQ

Ticker

PBHC

The Current Ratio as of June 2026 (TTM) for Pathfinder Bancorp, Inc. (PBHC) is 1.31

According to Pathfinder Bancorp, Inc.’s latest financial reports and current stock price. The company's current Current Ratio is 1.31. This represents a change of -81.47% compared to the average of 7.06 of the last 4 quarters.

Pathfinder Bancorp, Inc. (PBHC) Historical Current Ratio (quarterly & annually)

How has PBHC Current Ratio performed in the past?

The mean historical Current Ratio of Pathfinder Bancorp, Inc. over the last ten years is 2.84. The current 1.31 Current Ratio has changed 4.50% with respect to the historical average. Over the past ten years (40 quarters), PBHC's Current Ratio was at its highest in in the December 2025 quarter at 26.41. The Current Ratio was at its lowest in in the December 2019 quarter at 0.15.

Quarterly (TTM)
Annual

Average

2.84

Median

0.25

Minimum

0.15

Maximum

26.41

Pathfinder Bancorp, Inc. (PBHC) Current Ratio by Quarter and Year

Discovering the peaks and valleys of Pathfinder Bancorp, Inc. Current Ratio, unveiling quarterly and yearly fluctuations to gain insights into the company’s financial performance and market dynamics, offering valuable data for investors and analysts alike.

Maximum Annual Increase = 10.76%

Maximum Annual Current Ratio = 26.41

Minimum Annual Increase = -44.93%

Minimum Annual Current Ratio = 0.15

Quarterly (TTM)
Annual
YearCurrent RatioChange
202526.4110.76%
20240.24-3.60%
20230.2528.35%
20220.20-9.66%
20210.2223.40%
20200.1818.47%
20190.15-44.93%
20180.273.89%
20170.261.74%
20160.2613.31%

Pathfinder Bancorp, Inc. (PBHC) Average Current Ratio

How has PBHC Current Ratio performed in the past?

The current Current Ratio of Pathfinder Bancorp, Inc. (PBHC) is less than than its 3-year, less than than its 5-year, and less than than its 10-year historical averages

3-year avg

8.97

5-year avg

5.46

10-year avg

2.84

Pathfinder Bancorp, Inc. (PBHC) Current Ratio vs. Peers

How is PBHC’s Current Ratio compared to its peers?

Pathfinder Bancorp, Inc.’s Current Ratio is greater than Lake Shore Bancorp, Inc. (0.01), greater than Auburn National Bancorporation, Inc. (0), less than IF Bancorp, Inc. (11.55), greater than CFSB Bancorp, Inc. (0.09), greater than Winchester Bancorp, Inc. Common Stock (0.13), greater than Provident Financial Holdings, Inc. (0.68), greater than Fifth District Savings Bank (0.06), greater than DT Cloud Star Acquisition Corporation (0.08), greater than United Bancorp, Inc. (0.33), greater than Magyar Bancorp, Inc. (0.03),

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