Pathfinder Bancorp annual debt-to-equity ratio
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2025
Pathfinder Bancorp Debt-to-Equity Ratio Growth & History (PBHC)
Pathfinder Bancorp's debt-to-equity ratio was 0.62 for fiscal 2025.
View full Pathfinder Bancorp company overviewPathfinder Bancorp annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.62 | −0.26 | −29.36% |
| 2024 | 2024-12-31 | 0.88 | −0.64 | −42.40% |
| 2023 | 2023-12-31 | 1.52 | 0.41 | +37.39% |
| 2022 | 2022-12-31 | 1.11 | 0.39 | +53.71% |
| 2021 | 2021-12-31 | 0.72 | −0.15 | −17.61% |
| 2020 | 2020-12-31 | 0.87 | −0.19 | −17.98% |
| 2019 | 2019-12-31 | 1.07 | −0.78 | −42.27% |
| 2018 | 2018-12-31 | 1.85 | 0.65 | +54.40% |
| 2017 | 2017-12-31 | 1.20 | 0.18 | +17.47% |
| 2016 | 2016-12-31 | 1.02 | 0.43 | +74.45% |
| 2015 | 2015-12-31 | 0.58 | −0.38 | −39.30% |
| 2014 | 2014-12-31 | 0.96 | 0.40 | +71.01% |
| 2013 | 2013-12-31 | 0.56 | — | — |
Pathfinder Bancorp quarterly debt-to-equity ratio
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| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 1.20 | 0.28 | +30.50% |
| Q1 2026 | 2026-03-31 | 0.36 | −0.14 | −27.71% |
| Q4 2025 | 2025-12-31 | 0.62 | −0.26 | −29.36% |
| Q3 2025 | 2025-09-30 | 0.59 | −0.40 | −40.17% |
| Q2 2025 | 2025-06-30 | 0.92 | −0.54 | −36.82% |
| Q1 2025 | 2025-03-31 | 0.50 | −0.67 | −57.29% |
| Q4 2024 | 2024-12-31 | 0.88 | −0.64 | −42.40% |
| Q3 2024 | 2024-09-30 | 0.99 | −0.04 | −3.93% |
| Q2 2024 | 2024-06-30 | 1.45 | 0.26 | +21.53% |
| Q1 2024 | 2024-03-31 | 1.18 | 0.23 | +24.13% |
| Q4 2023 | 2023-12-31 | 1.52 | 0.41 | +37.39% |
| Q3 2023 | 2023-09-30 | 1.03 | 0.39 | +60.57% |
| Q2 2023 | 2023-06-30 | 1.20 | 0.47 | +63.86% |
| Q1 2023 | 2023-03-31 | 0.95 | 0.35 | +57.93% |
| Q4 2022 | 2022-12-31 | 1.11 | 0.39 | +53.71% |
| Q2 2022 | 2022-09-30 | 0.64 | −0.02 | −3.10% |
| Q1 2022 | 2022-06-30 | 0.73 | −0.11 | −13.10% |
| Q4 2021 · Mar 31 | 2022-03-31 | 0.60 | −0.30 | −32.93% |
| Q4 2021 · Dec 31 | 2021-12-31 | 0.72 | −0.15 | −17.61% |
| Q3 2021 | 2021-09-30 | 0.66 | −0.22 | −25.25% |
| Q2 2021 | 2021-06-30 | 0.84 | −0.01 | −1.22% |
| Q1 2021 | 2021-03-31 | 0.90 | −0.18 | −16.69% |
| Q4 2020 | 2020-12-31 | 0.87 | −0.19 | −17.98% |
| Q3 2020 | 2020-09-30 | 0.88 | −0.05 | −4.86% |
| Q2 2020 | 2020-06-30 | 0.85 | −0.21 | −19.59% |
| Q1 2020 | 2020-03-31 | 1.08 | −0.14 | −11.20% |
| Q4 2019 | 2019-12-31 | 1.07 | −0.78 | −42.27% |
| Q3 2019 | 2019-09-30 | 0.93 | −0.33 | −26.26% |
| Q2 2019 | 2019-06-30 | 1.06 | −0.28 | −21.20% |
| Q1 2019 | 2019-03-31 | 1.21 | 0.18 | +17.66% |
| Q4 2018 | 2018-12-31 | 1.85 | 0.65 | +54.40% |
| Q3 2018 | 2018-09-30 | 1.26 | 0.05 | +4.09% |
| Q2 2018 | 2018-06-30 | 1.34 | −0.04 | −3.16% |
| Q1 2018 | 2018-03-31 | 1.03 | 0.14 | +15.26% |
| Q4 2017 | 2017-12-31 | 1.20 | 0.18 | +17.47% |
| Q3 2017 | 2017-09-30 | 1.21 | −0.19 | −13.40% |
| Q2 2017 | 2017-06-30 | 1.39 | 0.32 | +30.48% |
| Q1 2017 | 2017-03-31 | 0.89 | 0.39 | +77.90% |
| Q4 2016 | 2016-12-31 | 1.02 | 0.43 | +74.45% |
| Q3 2016 | 2016-09-30 | 1.40 | 1.18 | +548.50% |
| Q2 2016 | 2016-06-30 | 1.06 | 0.37 | +54.29% |
| Q1 2016 | 2016-03-31 | 0.50 | 0.04 | +9.09% |
| Q4 2015 | 2015-12-31 | 0.58 | −0.38 | −39.30% |
| Q3 2015 | 2015-09-30 | 0.22 | −0.10 | −30.90% |
| Q2 2015 | 2015-06-30 | 0.69 | — | — |
| Q1 2015 | 2015-03-31 | 0.46 | — | — |
| Q4 2014 | 2014-12-31 | 0.96 | 0.40 | +71.01% |
| Q3 2014 | 2014-09-30 | 0.31 | — | — |
| Q4 2013 | 2013-12-31 | 0.56 | — | — |
Pathfinder Bancorp debt-to-equity ratio trends
Over the last five fiscal years, Pathfinder Bancorp's debt-to-equity ratio decreased from 0.87 to 0.62, a change of −0.26. The latest reported quarter, Q2 2026, shows 1.20.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
Review Pathfinder Bancorp source filings ↗