Pathfinder Bancorp Inc Total Assets
Pathfinder Bancorp Inc total assets. Based on the latest financial reports, Pathfinder Bancorp Inc (PBHC) holds total assets worth $1.49 Billion USD as of June 2026. Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments. Also see PBHC market cap overview for the company's overall valuation and market capitalisation.
Total Assets of Pathfinder Bancorp Inc (1996–2025)
Total assets of Pathfinder Bancorp Inc from 1996 to 2025. This chart illustrates how Pathfinder Bancorp Inc's total assets have evolved over time, based on quarterly financial data. See PBHC live share price for real-time trading data and today's change.
Pathfinder Bancorp Inc - Asset Composition Analysis
Pathfinder Bancorp Inc Total Assets Breakdown (December 2025)
Pathfinder Bancorp Inc total assets breakdown as of December 2025. Pathfinder Bancorp Inc's total assets of $1.49 Billion consist of 81.5% current assets and 18.5% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0.8% |
| Accounts Receivable | $873.56 Million | 61.3% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $5.36 Million | 0.4% |
| Goodwill | $5.06 Million | 0.4% |
Asset Composition Trend (1996–2025)
This chart illustrates how Pathfinder Bancorp Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution. Explore Pathfinder Bancorp Inc current assets vs equity to assess how much short-term liquidity the company maintains relative to its equity base.
Key Asset Composition Facts
- Current vs. Non-Current Assets: Pathfinder Bancorp Inc's current assets represent 81.5% of total assets in 2025, an increase from 5.2% in 1996.
- Cash Position: Cash and equivalents constituted 0.8% of total assets in 2025, down from 4.4% in 1996.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 1996.
- Asset Diversification: The largest asset category is accounts receivable at 61.3% of total assets.
Pathfinder Bancorp Inc Competitors by Total Assets
Key competitors of Pathfinder Bancorp Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Lloyds Banking Group plc
F:LLD2
|
Germany | €994.16 Billion |
|
JAPAN POST BK UNSP.ADR/1
F:5JP0
|
Germany | €232.94 Trillion |
|
Commerzbank AG
XETRA:CBK
|
Germany | €603.30 Billion |
|
CIMB Group Holdings Bhd
KLSE:1023
|
Malaysia | RM794.85 Billion |
|
SJF Bank A/S
CO:SJF
|
Denmark | Dkr36.72 Billion |
|
BNK Banking Corporation Ltd
AU:BBC
|
Australia | AU$1.28 Billion |
|
Banco Bradesco DRC
BA:BBD
|
Argentina | AR$2.20 Trillion |
|
Grupo Financiero Galicia S.A.
BA:GGAL
|
Argentina | AR$45.67 Trillion |
Pathfinder Bancorp Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.14 | 0.26 | 0.24 |
| Quick Ratio | 0.14 | 0.26 | 0.24 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-107.09 Million | $-958.88 Million | $-791.00 Million |
Pathfinder Bancorp Inc - Advanced Valuation Insights
This section examines the relationship between Pathfinder Bancorp Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 0.81 |
| Latest Market Cap to Assets Ratio | 0.06 |
| Asset Growth Rate (YoY) | -3.4% |
| Total Assets | $1.43 Billion |
| Market Capitalization | $82.05 Million USD |
Valuation Analysis
Below Book Valuation: The market values Pathfinder Bancorp Inc's assets below their book value (0.06x), which may indicate investor concerns about asset quality or future growth.
Slight Asset Contraction: Pathfinder Bancorp Inc's assets decreased by 3.4% over the past year, which may reflect streamlining or optimization of resources.
Annual Total Assets for Pathfinder Bancorp Inc (1996–2025)
The table below shows the annual total assets of Pathfinder Bancorp Inc from 1996 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-12-31 | $1.43 Billion | -3.37% |
| 2024-12-31 | $1.47 Billion | +0.62% |
| 2023-12-31 | $1.47 Billion | +4.66% |
| 2022-12-31 | $1.40 Billion | +8.97% |
| 2021-12-31 | $1.29 Billion | +4.68% |
| 2020-12-31 | $1.23 Billion | +12.24% |
| 2019-12-31 | $1.09 Billion | +17.22% |
| 2018-12-31 | $933.12 Million | +5.88% |
| 2017-12-31 | $881.26 Million | +17.65% |
| 2016-12-31 | $749.03 Million | +20.18% |
| 2015-12-31 | $623.25 Million | +11.09% |
| 2014-12-31 | $561.02 Million | +11.36% |
| 2013-12-31 | $503.79 Million | +5.44% |
| 2012-12-31 | $477.80 Million | +7.86% |
| 2011-12-31 | $442.98 Million | +8.43% |
| 2010-12-31 | $408.55 Million | +9.91% |
| 2009-12-31 | $371.69 Million | +5.37% |
| 2008-12-31 | $352.76 Million | +10.00% |
| 2007-12-31 | $320.69 Million | +6.41% |
| 2006-12-31 | $301.38 Million | +1.49% |
| 2005-12-31 | $296.95 Million | -1.68% |
| 2004-12-31 | $302.04 Million | +8.67% |
| 2003-12-31 | $277.94 Million | -0.40% |
| 2002-12-31 | $279.06 Million | +14.20% |
| 2001-12-31 | $244.37 Million | +5.40% |
| 2000-12-31 | $231.85 Million | +7.19% |
| 1999-12-31 | $216.30 Million | +6.34% |
| 1998-12-31 | $203.40 Million | +3.37% |
| 1997-12-31 | $196.77 Million | +3.60% |
| 1996-12-31 | $189.94 Million | -- |
About Pathfinder Bancorp Inc
Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential … Read more