Pathfinder Bancorp Reports $7 Million Loss in Q4 2025
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jan 29 2026
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Should l Buy PBHC?
Source: Newsfilter
- Financial Loss: Pathfinder Bancorp reported a net loss of $7 million in Q4 2025, translating to a diluted loss of $1.11 per share, primarily due to an $11.2 million credit loss provision reflecting risk management measures taken after a comprehensive review of its commercial loan portfolio.
- Deteriorating Loan Quality: As of December 31, 2025, nonperforming loans totaled $27.6 million, or 3.07% of total loans, up from $23.3 million on September 30, 2025, indicating ongoing challenges in the company's credit risk management.
- Deposit Decline: Total deposits stood at $1.18 billion as of December 31, 2025, down from $1.23 billion on September 30, 2025, primarily due to runoff of higher-cost brokered deposits, reflecting competitive pressures on the deposit base.
- Interest Income Decline: Net interest income for Q4 2025 was $10.5 million, a 9.4% decrease from the previous quarter, mainly due to reduced prepayment penalties on loans and investments, highlighting challenges in generating interest income.
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Analyst Views on PBHC
About PBHC
Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Pathfinder Reports Q4 Financial Results
- Earnings Per Share: Pathfinder reported a GAAP EPS of $1.11 for Q4, demonstrating resilience despite a decline in profitability amid challenging market conditions.
- Revenue Decline: The company's revenue for the fourth quarter was $11.8 million, reflecting a 25% year-over-year decrease, indicating weakened market demand and intensified competition impacting performance.
- Financial Stability: Despite the revenue drop, Pathfinder is striving to maintain financial stability, suggesting that measures may be necessary to address ongoing market challenges in the near future.
- Investor Focus: With the earnings report released, investors are keenly interested in Pathfinder's future growth potential and dividend performance, particularly in the current economic climate.
See More
Pathfinder Bancorp Reports $7 Million Loss in Q4 2025
- Financial Loss: Pathfinder Bancorp reported a net loss of $7 million in Q4 2025, translating to a diluted loss of $1.11 per share, primarily due to an $11.2 million credit loss provision reflecting risk management measures taken after a comprehensive review of its commercial loan portfolio.
- Deteriorating Loan Quality: As of December 31, 2025, nonperforming loans totaled $27.6 million, or 3.07% of total loans, up from $23.3 million on September 30, 2025, indicating ongoing challenges in the company's credit risk management.
- Deposit Decline: Total deposits stood at $1.18 billion as of December 31, 2025, down from $1.23 billion on September 30, 2025, primarily due to runoff of higher-cost brokered deposits, reflecting competitive pressures on the deposit base.
- Interest Income Decline: Net interest income for Q4 2025 was $10.5 million, a 9.4% decrease from the previous quarter, mainly due to reduced prepayment penalties on loans and investments, highlighting challenges in generating interest income.
See More
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
- ARMOUR Dividend Announcement: ARMOUR Residential REIT has declared a cash dividend of $0.24 per common share, payable on January 29, 2026, which aims to attract investors and bolster shareholder confidence.
- Pathfinder Bank Dividend: Pathfinder Bancorp announced a cash dividend of $0.10 per share, payable on February 6, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
- Mosaic Dividend Declaration: Mosaic's Board of Directors declared a quarterly dividend of $0.22 per share, to be paid on March 19, 2026, showcasing the company's strong performance in ongoing profitability and cash flow management.
- Ennis Dividend Resolution: Ennis declared a quarterly cash dividend of $0.25 per share, payable on February 5, 2026, indicating the company's continued efforts in maintaining stable cash flow and shareholder returns.
See More
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
- Dividend Guidance: ARMOUR Residential REIT has announced a cash dividend of $0.24 per share for January 2026, payable on January 29, 2026, reflecting the company's ongoing commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 15, 2026, ensuring timely cash inflow which enhances investor confidence and may attract additional investments.
- Other Company Dividends: Pathfinder Bancorp declared a cash dividend of $0.10 per share, scheduled for payment on February 6, 2026, further indicating the financial sector's focus on shareholder value.
- Quarterly Dividend Trends: Mosaic and Ennis also announced quarterly dividends of $0.22 and $0.25 per share respectively, highlighting the overall market's emphasis on stable cash flows, which could attract yield-seeking investors.
See More
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- Quarterly Dividend Announcement: Mosaic's Board of Directors declared a quarterly dividend of $0.22 per share, payable on March 19, 2026, which aims to reward shareholders and enhance investor confidence.
- Shareholder Record Date: The record date for this dividend is set for March 9, 2026, ensuring that shareholders holding stock before this date will receive the dividend, thereby stabilizing the shareholder base.
- Trust Distribution Update: Thornburg Income Builder Opportunities Trust announced a monthly distribution of $0.10417 per share, payable on January 20, 2026, demonstrating the trust's ongoing commitment to shareholder returns.
- Cash Dividend Declaration: Ennis's Board declared a quarterly cash dividend of $0.25 per share, scheduled for payment on February 5, 2026, reflecting the company's proactive strategy in maintaining stable cash flow and shareholder returns.
See More
Pathfinder Bancorp Declares $0.10 Cash Dividend Per Share
- Dividend Announcement: Pathfinder Bancorp has declared a cash dividend of $0.10 per share, payable on February 6, 2026, to shareholders of record as of January 16, 2026, aimed at rewarding shareholders and enhancing investor confidence.
- Financial Stability Reflection: This dividend reflects the company's robust financial performance in Q4 2025, demonstrating stable cash flow despite economic and market challenges, which enhances market expectations regarding its future profitability.
- Shareholder Return Strategy: By maintaining consistent cash dividends, Pathfinder Bancorp not only increases shareholder returns but also showcases its commitment to long-term shareholder value, further solidifying its relationship with investors.
- Market Positioning Advantage: As a bank holding company serving Central New York, Pathfinder Bancorp's dividend policy helps attract more investor attention to its competitive edge and service commitment in the local market, promoting its brand image within the community.
See More
Pathfinder Reports Q4 Financial Results
- Earnings Per Share: Pathfinder reported a GAAP EPS of $1.11 for Q4, demonstrating resilience despite a decline in profitability amid challenging market conditions.
- Revenue Decline: The company's revenue for the fourth quarter was $11.8 million, reflecting a 25% year-over-year decrease, indicating weakened market demand and intensified competition impacting performance.
- Financial Stability: Despite the revenue drop, Pathfinder is striving to maintain financial stability, suggesting that measures may be necessary to address ongoing market challenges in the near future.
- Investor Focus: With the earnings report released, investors are keenly interested in Pathfinder's future growth potential and dividend performance, particularly in the current economic climate.
See More
Pathfinder Bancorp Reports $7 Million Loss in Q4 2025
- Financial Loss: Pathfinder Bancorp reported a net loss of $7 million in Q4 2025, translating to a diluted loss of $1.11 per share, primarily due to an $11.2 million credit loss provision reflecting risk management measures taken after a comprehensive review of its commercial loan portfolio.
- Deteriorating Loan Quality: As of December 31, 2025, nonperforming loans totaled $27.6 million, or 3.07% of total loans, up from $23.3 million on September 30, 2025, indicating ongoing challenges in the company's credit risk management.
- Deposit Decline: Total deposits stood at $1.18 billion as of December 31, 2025, down from $1.23 billion on September 30, 2025, primarily due to runoff of higher-cost brokered deposits, reflecting competitive pressures on the deposit base.
- Interest Income Decline: Net interest income for Q4 2025 was $10.5 million, a 9.4% decrease from the previous quarter, mainly due to reduced prepayment penalties on loans and investments, highlighting challenges in generating interest income.
See More
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
- ARMOUR Dividend Announcement: ARMOUR Residential REIT has declared a cash dividend of $0.24 per common share, payable on January 29, 2026, which aims to attract investors and bolster shareholder confidence.
- Pathfinder Bank Dividend: Pathfinder Bancorp announced a cash dividend of $0.10 per share, payable on February 6, 2026, reflecting the company's stable profitability and commitment to shareholder returns.
- Mosaic Dividend Declaration: Mosaic's Board of Directors declared a quarterly dividend of $0.22 per share, to be paid on March 19, 2026, showcasing the company's strong performance in ongoing profitability and cash flow management.
- Ennis Dividend Resolution: Ennis declared a quarterly cash dividend of $0.25 per share, payable on February 5, 2026, indicating the company's continued efforts in maintaining stable cash flow and shareholder returns.
See More
ARMOUR Residential REIT Announces $0.24 Cash Dividend for January 2026
- Dividend Guidance: ARMOUR Residential REIT has announced a cash dividend of $0.24 per share for January 2026, payable on January 29, 2026, reflecting the company's ongoing commitment to shareholder returns.
- Record Date for Shareholders: The dividend will be paid to shareholders of record as of January 15, 2026, ensuring timely cash inflow which enhances investor confidence and may attract additional investments.
- Other Company Dividends: Pathfinder Bancorp declared a cash dividend of $0.10 per share, scheduled for payment on February 6, 2026, further indicating the financial sector's focus on shareholder value.
- Quarterly Dividend Trends: Mosaic and Ennis also announced quarterly dividends of $0.22 and $0.25 per share respectively, highlighting the overall market's emphasis on stable cash flows, which could attract yield-seeking investors.
See More
Mosaic Declares Quarterly Dividend of $0.22 per Share
- Quarterly Dividend Announcement: Mosaic's Board of Directors declared a quarterly dividend of $0.22 per share, payable on March 19, 2026, which aims to reward shareholders and enhance investor confidence.
- Shareholder Record Date: The record date for this dividend is set for March 9, 2026, ensuring that shareholders holding stock before this date will receive the dividend, thereby stabilizing the shareholder base.
- Trust Distribution Update: Thornburg Income Builder Opportunities Trust announced a monthly distribution of $0.10417 per share, payable on January 20, 2026, demonstrating the trust's ongoing commitment to shareholder returns.
- Cash Dividend Declaration: Ennis's Board declared a quarterly cash dividend of $0.25 per share, scheduled for payment on February 5, 2026, reflecting the company's proactive strategy in maintaining stable cash flow and shareholder returns.
See More
Pathfinder Bancorp Declares $0.10 Cash Dividend Per Share
- Dividend Announcement: Pathfinder Bancorp has declared a cash dividend of $0.10 per share, payable on February 6, 2026, to shareholders of record as of January 16, 2026, aimed at rewarding shareholders and enhancing investor confidence.
- Financial Stability Reflection: This dividend reflects the company's robust financial performance in Q4 2025, demonstrating stable cash flow despite economic and market challenges, which enhances market expectations regarding its future profitability.
- Shareholder Return Strategy: By maintaining consistent cash dividends, Pathfinder Bancorp not only increases shareholder returns but also showcases its commitment to long-term shareholder value, further solidifying its relationship with investors.
- Market Positioning Advantage: As a bank holding company serving Central New York, Pathfinder Bancorp's dividend policy helps attract more investor attention to its competitive edge and service commitment in the local market, promoting its brand image within the community.
See More
