Companies: 10,795·Total market cap: $144.5T
Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHCNASDAQFinancial Services● Active
$14.15
+$0.29(+2.06%)
Market Cap$87444071
P/E Ratio—
52W High$15.96
52W Low$12.06
Cash on HandFinancialsRevenue

Pathfinder Bancorp, Inc. (PBHC) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

PBHC · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$288.3M▼ -4.2% vs prior year
FY · as of Dec 31, 2025 · Reported in USD
Cash & Cash Equiv. (CCE)
$11.5M
cashAndCashEquivalents
Short-Term Investments
$276.8M
shortTermInvestments
YoY Change vs Prior Year
-4.2%
vs prior fiscal year
Latest Quarter
$286.9M
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in USD

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$288.3MCash on Hand
Total Debt$107.2MTotal Debt
Net Cash / Net Debt+$181.1MNet Cash Position
Cash vs Debt Ratio
Cash 73%Debt 27%

Pathfinder Bancorp, Inc. has a net cash position of $181.1M, holding more cash than debt.

Net Cash = Cash & ST Investments − Total Debt$288.3M − $107.2M = +$181.1M

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
PBHC annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$288.3M-4.2%
Dec 31, 2024$300.9M-2.1%
Dec 31, 2023$307.4M+35.4%
Dec 31, 2022$227.0M-0.3%
Dec 31, 2021$227.7M+32.6%
PBHC cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T177.5%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.5%#3
Visa Inc.
Visa Inc.
V
$21.99B3.6%#4
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
#5
Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc.YOU
PBHC
$288.3M329.7%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Pathfinder Bancorp, Inc. (PBHC) cash on hand as of December 31, 2025 is $288.3M, comprising $11.5M in cash and cash equivalents (CCE) plus $276.8M in short-term investments — reported as Pathfinder Bancorp, Inc. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Pathfinder Bancorp, Inc. cash reserves or cash position.

Pathfinder Bancorp, Inc. annual cash on hand history shows decreased -4.2% in 2025: decreased -4.2% in 2025. Pathfinder Bancorp, Inc. cash reserves in 2025 reflect the company's capital allocation strategy.

Pathfinder Bancorp, Inc. carries total debt of $107.2M against cash of $288.3M, resulting in a net cash position of +$181.1M. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

PBHC cash on hand · 5 questions

As of December 31, 2025, Pathfinder Bancorp, Inc. (PBHC) has $288,336,000 in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $11,521,000 in cash and cash equivalents (CCE) plus $276,815,000 in short-term investments. Latest quarter (March 31, 2026): $286,886,000. Data sourced from the annual 10-K filing via FMP.

PBHC cash on handPBHC cash reservesPBHC cash 2025how much cash does PBHC have

▸ Source: FMP /balance-sheet-statement · US GAAP · Pathfinder Bancorp, Inc. · Pathfinder Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025