8-K Announcements
6Material company update
Apr 29, 2026·SEC
Material company update
Mar 30, 2026·SEC
Material company update
Feb 27, 2026·SEC
Pathfinder Bancorp, Inc.(PBHC)Earnings, Financials & Key Ratios
PBHC•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPathfinder 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. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.Show more
- Net Interest Income$44M+9.4%
- Total Revenue$79M-5.2%
- Net Income-$3M-201.0%
- Return on Equity-2.82%-200.7%
- Net Interest Margin3.1%+13.3%
- Efficiency Ratio43.69%+21.7%
- ROA-0.24%-202.4%
- Equity / Assets8.49%+3.0%
- Book Value per Share19.05-4.4%
PBHC Key Insights
Pathfinder Bancorp, Inc. (PBHC) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 43.7% efficiency ratio
- ✓Healthy dividend yield of 2.3%
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 2.7%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Get notified when PBHC posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
PBHC Price & Volume
Pathfinder Bancorp, Inc. (PBHC) stock price & volume — 10-year historical chart
Loading chart...
PBHC Growth Metrics
Pathfinder Bancorp, Inc. (PBHC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.95%
5 Years10.41%
3 Years11.99%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-201.01%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-199.17%
Return on Capital
10 Years4.03%
5 Years4.37%
3 Years2.46%
Last Year-0.51%
PBHC Recent Earnings
Pathfinder Bancorp, Inc. (PBHC) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 29, 2026Metric
Actual
Est
EPS
$0.38
—
Rev
$19M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$1.11
—
Rev
$20M
—
Q4 2025
Oct 30, 2025Metric
Actual
Est
EPS
$0.10
—
Rev
—
—
Q3 2025
Jul 30, 2025Metric
Actual
Est
EPS
$0.62
—
Rev
$18M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.38 | $19M |
| Q1 2026 | Jan 29, 2026 | $1.11 | $20M |
| Q4 2025 | Oct 30, 2025 | $0.10 | — |
| Q3 2025 | Jul 30, 2025 | $0.62 | $18M |
Based on last 12 quarters of dataView full earnings history →
PBHC Peer Comparison
Pathfinder Bancorp, Inc. (PBHC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 205.47M | 21.34 | 14.62 | -9.41% | 16.01% | 7.81% | 0.28 | |
 NECB | 356.09M | 25.74 | 7.92 | -1.55% | 28.41% | 13.07% | 0.21 | |
 BWFG | 447.93M | 56.18 | 12.62 | 6.13% | 16.95% | 12.21% | 0.60 | |
 NBTB | 2.44B | 46.68 | 14.02 | 10.36% | 18.76% | 9.51% | 0.17 | |
 TRST | 925.2M | 52.24 | 16.07 | 5.77% | 21.97% | 8.86% | 0.28 | |
 FISI | 735.42M | 37.36 | 10.35 | 43.07% | 19.86% | 12.26% | 0.53 | |
 CHMG | 341.44M | 70.97 | 22.67 | -6.46% | 10.79% | 6.27% | 0.02 | |
 GLBZ | 13.11M | 4.52 | -116.80 | 13.7% | 0.16% | 0.14% | 1.68 |
Compare PBHC vs Peers
Pathfinder Bancorp, Inc. (PBHC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PBHC Income Statement
Pathfinder Bancorp, Inc. (PBHC) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 22.89M | 25.51M | 27.95M | 31.32M | 37.99M | 41.17M | 38.35M | 40.37M | 44.18M |
NII Growth % | 13.59% | 11.41% | 9.58% | 12.05% | 21.29% | 8.39% | -6.87% | 5.28% | 9.43% |
Net Interest Margin % | 2.6% | 2.73% | 2.56% | 2.55% | 2.96% | 2.94% | 2.62% | 2.74% | 3.1% |
Interest Income | 29.18M | 34.55M | 41.48M | 42.18M | 45.52M | 50.87M | 67.09M | 77.74M | 76.5M |
Interest Expense | 6.29M | 9.04M | 13.53M | 10.86M | 7.53M | 9.7M | 28.74M | 37.37M | 32.32M |
Loan Loss Provision | 1.77M | 1.5M | 1.97M | 4.71M | 1.02M | 2.75M | 2.93M | 10.97M | 16.34M |
Non-Interest Income | 3.38M | 3.22M | 4.38M | 6.07M | 5.51M | 5.49M | 4.73M | 5.74M | 2.65M |
Non-Interest Income % | 10.39% | 8.52% | 9.55% | 12.57% | 10.8% | 9.74% | 6.59% | 6.88% | 3.35% |
Total Revenue | 32.57M▲ 0% | 37.77M▲ 16.0% | 45.86M▲ 21.4% | 48.25M▲ 5.2% | 51.03M▲ 5.8% | 56.36M▲ 10.4% | 71.82M▲ 27.4% | 83.48M▲ 16.2% | 79.15M▼ 5.2% |
Revenue Growth % | 15.17% | 15.98% | 21.42% | 5.21% | 5.77% | 10.43% | 27.44% | 16.24% | -5.19% |
Non-Interest Expense | 20.16M | 22.67M | 24.91M | 24.34M | 26.47M | 28.22M | 28.36M | 29.98M | 34.58M |
Efficiency Ratio | 61.91% | 60.03% | 54.33% | 50.44% | 51.87% | 50.07% | 39.49% | 35.91% | 43.69% |
Operating Income | 4.34M▲ 0% | 4.55M▲ 4.8% | 5.45M▲ 19.7% | 8.34M▲ 53.0% | 16.01M▲ 91.9% | 15.69M▼ 2.0% | 11.78M▼ 24.9% | 5.16M▼ 56.2% | -4.09M▼ 179.3% |
Operating Margin % | 13.34% | 12.06% | 11.89% | 17.29% | 31.37% | 27.84% | 16.41% | 6.18% | -5.17% |
Operating Income Growth % | -1.45% | 4.83% | 19.67% | 53.02% | 91.93% | -2% | -24.89% | -56.21% | -179.32% |
Pretax Income | 4.34M▲ 0% | 4.55M▲ 4.8% | 5.45M▲ 19.7% | 8.34M▲ 53.0% | 16.01M▲ 91.9% | 15.69M▼ 2.0% | 11.78M▼ 24.9% | 5.16M▼ 56.2% | -4.09M▼ 179.3% |
Pretax Margin % | 13.34% | 12.06% | 11.89% | 17.29% | 31.37% | 27.84% | 16.41% | 6.18% | -5.17% |
Income Tax | 922K | 546K | 1.17M | 1.29M | 3.5M | 2.66M | 2.36M | 332K | -676K |
Effective Tax Rate % | 21.22% | 11.99% | 21.37% | 15.53% | 21.86% | 16.93% | 20.04% | 6.43% | 16.52% |
Net Income | 3.49M▲ 0% | 4.03M▲ 15.5% | 4.28M▲ 6.1% | 6.95M▲ 62.5% | 12.41M▲ 78.5% | 12.93M▲ 4.2% | 9.29M▼ 28.1% | 3.38M▼ 63.6% | -3.42M▼ 201.0% |
Net Margin % | 10.72% | 10.67% | 9.32% | 14.4% | 24.31% | 22.95% | 12.94% | 4.05% | -4.32% |
Net Income Growth % | 6.69% | 15.47% | 6.08% | 62.54% | 78.52% | 4.23% | -28.14% | -63.6% | -201.01% |
Net Income (Continuing) | 3.42M | 4.01M | 4.29M | 7.05M | 12.51M | 13.03M | 9.42M | 4.83M | -3.42M |
EPS (Diluted) | 0.72▲ 0% | 0.94▲ 30.6% | 0.80▼ 14.9% | 1.19▲ 48.7% | 2.07▲ 73.9% | 2.13▲ 2.9% | 1.51▼ 29.1% | 0.42▼ 72.2% | -0.54▼ 228.6% |
EPS Growth % | -7.69% | 30.56% | -14.89% | 48.75% | 73.95% | 2.9% | -29.11% | -72.19% | -228.57% |
EPS (Basic) | 0.74 | 0.97 | 0.80 | 1.19 | 2.07 | 2.13 | 1.51 | 0.42 | -0.54 |
Diluted Shares Outstanding | 4.19M | 4.27M | 4.46M | 4.53M | 4.48M | 4.56M | 4.65M | 6.09M | 6.35M |
PBHC Balance Sheet
Pathfinder Bancorp, Inc. (PBHC) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 193.13M | 203.98M | 131.29M | 171.72M | 227.75M | 227.01M | 307.45M | 300.9M | 288.34M |
Cash & Due from Banks | 21.99M | 26.32M | 20.16M | 43.46M | 37.15M | 35.28M | 48.73M | 31.57M | 11.52M |
Short Term Investments | 171.14M | 177.66M | 111.13M | 128.26M | 190.6M | 191.73M | 258.72M | 269.33M | 276.81M |
Total Investments | 811.04M | 844.99M | 1.01B | 1.11B | 1.17B | 1.27B | 1.33B | 1.33B | 1.29B |
Investments Growth % | 18.83% | 4.19% | 19.23% | 10.58% | 5.18% | 8.68% | 4.08% | 0.63% | -3.56% |
Long-Term Investments | 639.9M | 667.33M | 896.3M | 985.79M | 981.12M | 1.08B | 1.07B | 1.06B | 1.01B |
Accounts Receivables | 3.05M | 3.07M | 3.71M | 4.55M | 4.52M | 6.17M | 7.29M | 6.88M | 873.56M |
Goodwill & Intangibles | 4.72M | 4.7M | 4.68M | 4.67M | 4.65M | 4.64M | 4.62M | 11.04M | 10.42M |
Goodwill | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 4.54M | 5.06M | 5.06M |
Intangible Assets | 182K | 165K | 149K | 133K | 117K | 101K | 85K | 5.99M | 5.36M |
PP&E (Net) | 16.12M | 20.62M | 25.09M | 24.5M | 23.8M | 24.18M | 24.04M | 37.08M | 34.99M |
Other Assets | 24.34M | 33.42M | 32.73M | 36.2M | 43.34M | 56.18M | 55.64M | 54.47M | -1.01B |
Total Current Assets | 196.18M | 207.05M | 135.01M | 176.27M | 232.27M | 233.18M | 314.73M | 307.78M | 1.16B |
Total Non-Current Assets | 685.08M | 726.07M | 958.8M | 1.05B | 1.05B | 1.17B | 1.15B | 1.17B | 46.71M |
Total Assets | 881.26M▲ 0% | 933.12M▲ 5.9% | 1.09B▲ 17.2% | 1.23B▲ 12.2% | 1.29B▲ 4.7% | 1.4B▲ 9.0% | 1.47B▲ 4.7% | 1.47B▲ 0.6% | 1.43B▼ 3.4% |
Asset Growth % | 17.65% | 5.88% | 17.22% | 12.24% | 4.68% | 8.97% | 4.66% | 0.62% | -3.37% |
Return on Assets (ROA) | 0.43% | 0.44% | 0.42% | 0.6% | 0.99% | 0.96% | 0.65% | 0.23% | -0.24% |
Accounts Payable | 186K | 304K | 396K | 193K | 106K | 975K | 2.25M | 546K | 424K |
Total Debt | 88.95M | 133.63M | 110.9M | 123.97M | 109.7M | 152.57M | 211.6M | 136.51M | 107.23M |
Net Debt | 66.96M | 107.31M | 90.74M | 80.51M | 72.55M | 117.29M | 162.87M | 104.94M | 95.71M |
Long-Term Debt | 58.35M | 94.63M | 83.11M | 117.43M | 94.16M | 85.4M | 79.83M | 57.17M | 45.53M |
Short-Term Debt | 30.6M | 39M | 25.14M | 4.02M | 12.5M | 60.33M | 125.68M | 61M | 44M |
Other Liabilities | 6.38M | 7.66M | 9.95M | 9.65M | 9.39M | 9.37M | 11.63M | 11.81M | 1.2B |
Total Current Liabilities | 754.39M | 766.36M | 907.43M | 1B | 1.07B | 1.19B | 1.25B | 1.27B | 44M |
Total Non-Current Liabilities | 64.72M | 102.29M | 95.71M | 129.6M | 106.59M | 101.6M | 97.55M | 87.32M | 1.26B |
Total Liabilities | 819.53M | 868.66M | 1B | 1.13B | 1.17B | 1.29B | 1.35B | 1.35B | 1.3B |
Total Equity | 62.06M▲ 0% | 64.46M▲ 3.9% | 90.67M▲ 40.7% | 97.72M▲ 7.8% | 110.63M▲ 13.2% | 111.58M▲ 0.9% | 120.26M▲ 7.8% | 121.48M▲ 1.0% | 120.97M▼ 0.4% |
Equity Growth % | 6.33% | 3.87% | 40.66% | 7.78% | 13.21% | 0.86% | 7.77% | 1.02% | -0.42% |
Equity / Assets (Capital Ratio) | 7.04% | 6.91% | 8.29% | 7.96% | 8.61% | 7.97% | 8.2% | 8.24% | 8.49% |
Return on Equity (ROE) | 5.8% | 6.37% | 5.51% | 7.38% | 11.91% | 11.64% | 8.02% | 2.8% | -2.82% |
Book Value per Share | 14.81 | 15.11 | 20.31 | 21.57 | 24.71 | 24.47 | 25.84 | 19.93 | 19.05 |
Tangible BV per Share | 13.69 | 14.01 | 19.26 | 20.54 | 23.67 | 23.46 | 24.85 | 18.12 | 17.41 |
Common Stock | 43K | 44K | 47K | 45K | 60K | 61K | 61K | 61K | 62K |
Additional Paid-in Capital | 28.17M | 29.14M | 49.36M | 50.02M | 51.04M | 52.1M | 53.11M | 52.75M | 54.39M |
Retained Earnings | 39.02M | 42.11M | 44.84M | 50.28M | 60.95M | 71.32M | 76.06M | 77.82M | 71.88M |
Accumulated OCI | -4.21M | -6.04M | -2.97M | -2.24M | -1.27M | -12.17M | -9.61M | -9.14M | -5.37M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 12K | 14K | 0 | 0 | 0 | 0 | 0 |
PBHC Cash Flow Statement
Pathfinder Bancorp, Inc. (PBHC) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 6.84M | 8.98M | 8.12M | 46.56M | 20.15M | 21.73M | 15.43M | 11.21M | 11.68M |
Operating CF Growth % | 7.39% | 31.28% | -9.6% | 473.41% | -56.71% | 7.83% | -28.99% | -27.37% | 4.18% |
Net Income | 3.49M | 4.03M | 4.28M | 6.95M | 12.41M | 12.93M | 9.29M | 3.38M | -3.42M |
Depreciation & Amortization | 1.08M | 1.21M | 1.56M | 1.38M | 1.82M | 700K | 1.34M | 1.34M | 0 |
Deferred Taxes | -100K | 343K | -16K | -1.3M | 481K | 139K | -367K | -417K | 0 |
Other Non-Cash Items | 3.42M | 2.38M | 2.08M | 41.16M | 4.71M | 5.28M | 4.25M | 8.85M | 15.58M |
Working Capital Changes | -1.76M | 241K | -407K | -2.19M | 146K | 2.05M | 459K | -2.19M | -489K |
Cash from Investing | -133.94M | -52.02M | -162.81M | -149.22M | -69.95M | -131.16M | -54.79M | -22.4M | 40.45M |
Purchase of Investments | -154.63M | -83.74M | -164.44M | -240.27M | -200.46M | -116.57M | -114.37M | -118.22M | 0 |
Sale/Maturity of Investments | 112.99M | 86M | 164.52M | 172.89M | 145.94M | 57.66M | 65.78M | 126.87M | 0 |
Net Investment Activity | -41.64M | 2.26M | 78K | -67.38M | -54.52M | -58.91M | -48.58M | 8.65M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.16M | 0 |
Other Investing | -90.33M | -48.59M | -159.29M | -80.59M | -14.22M | -67.04M | -4.24M | -30.14M | 40.45M |
Cash from Financing | 126.67M | 47.37M | 148.53M | 125.97M | 43.48M | 107.56M | 52.81M | -5.97M | -52.52M |
Dividends Paid | -884K | -1.02M | -1.23M | -1.41M | -1.6M | -2.04M | -2.19M | -2.38M | -2.46M |
Share Repurchases | 0 | 0 | 0 | -3.91M | -6.87M | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 0 | 4.2M | 3.91M | 6.87M | 0 | 0 | 291K | 656K |
Net Stock Activity | 0 | 0 | 4.2M | 0 | 0 | 0 | 0 | 291K | 656K |
Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
Other Financing | 112.68M | 3.75M | 155.03M | 114.24M | 60.03M | 70.7M | -4.61M | 83.65M | -20.73M |
Net Change in Cash | -428K▲ 0% | 4.33M▲ 1110.5% | -6.16M▼ 242.3% | 23.3M▲ 478.6% | -6.32M▼ 127.1% | -1.87M▲ 70.4% | 13.45M▲ 820.4% | -17.16M▼ 227.6% | -402K▲ 97.7% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 22.42M | 21.99M | 26.32M | 20.16M | 43.46M | 37.15M | 35.28M | 48.73M | 31.57M |
Cash at End | 21.99M | 26.32M | 20.16M | 43.46M | 37.15M | 35.28M | 48.73M | 31.57M | 31.17M |
Interest Paid | 6.18M | 8.93M | 13.44M | 11.07M | 7.44M | 1.75M | 27.47M | 38.62M | 0 |
Income Taxes Paid | 945K | 662K | 750K | 2.65M | 2.46M | 3.22M | 3.16M | 600K | 0 |
Free Cash Flow | 4.87M▲ 0% | 3.29M▼ 32.4% | 4.52M▲ 37.5% | 45.3M▲ 901.3% | 18.94M▼ 58.2% | 16.52M▼ 12.8% | 13.47M▼ 18.5% | 2.88M▼ 78.6% | 10.42M▲ 262.2% |
FCF Growth % | -2.83% | -32.4% | 37.51% | 901.33% | -58.19% | -12.77% | -18.51% | -78.64% | 262.2% |
PBHC Banking Ratios
Pathfinder Bancorp, Inc. (PBHC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 5.05% | 5.8% | 6.37% | 5.51% | 7.38% | 11.91% | 11.64% | 8.02% | 2.8% | -2.82% |
Return on Assets (ROA) | 0.48% | 0.43% | 0.44% | 0.42% | 0.6% | 0.99% | 0.96% | 0.65% | 0.23% | -0.24% |
Net Interest Margin | 2.69% | 2.6% | 2.73% | 2.56% | 2.55% | 2.96% | 2.94% | 2.62% | 2.74% | 3.1% |
Efficiency Ratio | 67.58% | 61.91% | 60.03% | 54.33% | 50.44% | 51.87% | 50.07% | 39.49% | 35.91% | 43.69% |
Equity / Assets | 7.79% | 7.04% | 6.91% | 8.29% | 7.96% | 8.61% | 7.97% | 8.2% | 8.24% | 8.49% |
Book Value / Share | 13.93 | 14.81 | 15.11 | 20.31 | 21.57 | 24.71 | 24.47 | 25.84 | 19.93 | 19.05 |
NII Growth | 8.42% | 13.59% | 11.41% | 9.58% | 12.05% | 21.29% | 8.39% | -6.87% | 5.28% | 9.43% |
Dividend Payout | 26.47% | 25.32% | 25.43% | 25.51% | 16.36% | 11.45% | 15.75% | 23.53% | 70.29% | - |
Related:PBHC Dividend History·PBHC Revenue History·PBHC Price History·PBHC P/E History·PBHC Financial Ratios·PBHC Institutional Holders
PBHC SEC Filings & Documents
Pathfinder Bancorp, Inc. (PBHC) SEC filings — annual & quarterly reports (10-K, 10-Q)
PBHC Frequently Asked Questions
Pathfinder Bancorp, Inc. (PBHC) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Pathfinder Bancorp, Inc. (PBHC) saw revenue decline by 5.2% over the past year.
Pathfinder Bancorp, Inc. (PBHC) reported a net loss of $3.4M for fiscal year 2025.
Dividend & Returns
Yes, Pathfinder Bancorp, Inc. (PBHC) pays a dividend with a yield of 2.30%. This makes it attractive for income-focused investors.
Pathfinder Bancorp, Inc. (PBHC) has a return on equity (ROE) of -2.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Pathfinder Bancorp, Inc. (PBHC) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
Pathfinder Bancorp, Inc. (PBHC) has an efficiency ratio of 43.7%. This is excellent, indicating strong cost control.