Pathfinder Bancorp annual return on equity
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Pathfinder Bancorp Return on Equity (ROE) Growth & History (PBHC)
Pathfinder Bancorp's return on equity was −1.58% for fiscal 2025.
View full Pathfinder Bancorp company overviewPathfinder Bancorp annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | −1.58% | −4.39 pp |
| 2024 | 2024-12-31 | 2.81% | −5.26 pp |
| 2023 | 2023-12-31 | 8.06% | −3.62 pp |
| 2022 | 2022-12-31 | 11.69% | −0.26 pp |
| 2021 | 2021-12-31 | 11.94% | +4.55 pp |
| 2020 | 2020-12-31 | 7.40% | +1.87 pp |
| 2019 | 2019-12-31 | 5.53% | −0.87 pp |
| 2018 | 2018-12-31 | 6.40% | +0.57 pp |
| 2017 | 2017-12-31 | 5.83% | +0.75 pp |
| 2016 | 2016-12-31 | 5.08% | +0.94 pp |
| 2015 | 2015-12-31 | 4.14% | −0.89 pp |
| 2014 | 2014-12-31 | 5.02% | — |
Pathfinder Bancorp quarterly return on equity
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Q4.14
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Q1.16
Q2.16
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
Q1.19
Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q4.21
Q1.22
Q2.22
Q4.22
Q1.23
Q2.23
Q3.23
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Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 2.14% | +2.12 pp |
| Q1 2026 | 2026-03-31 | 1.96% | −0.45 pp |
| Q4 2025 | 2025-12-31 | −4.47% | −7.71 pp |
| Q3 2025 | 2025-09-30 | 0.50% | +4.31 pp |
| Q2 2025 | 2025-06-30 | 0.02% | −1.61 pp |
| Q1 2025 | 2025-03-31 | 2.41% | +0.66 pp |
| Q4 2024 | 2024-12-31 | 3.23% | +1.06 pp |
| Q3 2024 | 2024-09-30 | −3.81% | −5.73 pp |
| Q2 2024 | 2024-06-30 | 1.63% | −0.13 pp |
| Q1 2024 | 2024-03-31 | 1.76% | −0.58 pp |
| Q4 2023 | 2023-12-31 | 2.17% | −1.06 pp |
| Q3 2023 | 2023-09-30 | 1.91% | −1.05 pp |
| Q2 2023 | 2023-06-30 | 1.76% | −1.26 pp |
| Q1 2023 | 2023-03-31 | 2.33% | −0.36 pp |
| Q4 2022 | 2022-12-31 | 3.23% | −0.35 pp |
| Q2 2022 | 2022-09-30 | 2.96% | −0.25 pp |
| Q1 2022 | 2022-06-30 | 3.02% | +0.06 pp |
| Q4 2021 | 2022-03-31 | 2.69% | +0.51 pp |
| Q4 2021 | 2021-12-31 | 3.58% | +1.55 pp |
| Q3 2021 | 2021-09-30 | 3.21% | +1.63 pp |
| Q2 2021 | 2021-06-30 | 2.96% | +0.92 pp |
| Q1 2021 | 2021-03-31 | 2.18% | +0.29 pp |
| Q4 2020 | 2020-12-31 | 2.03% | −0.05 pp |
| Q3 2020 | 2020-09-30 | 1.58% | +0.11 pp |
| Q2 2020 | 2020-06-30 | 2.04% | +1.25 pp |
| Q1 2020 | 2020-03-31 | 1.89% | +1.11 pp |
| Q4 2019 | 2019-12-31 | 2.07% | +0.35 pp |
| Q3 2019 | 2019-09-30 | 1.47% | −0.10 pp |
| Q2 2019 | 2019-06-30 | 0.79% | −0.73 pp |
| Q1 2019 | 2019-03-31 | 0.79% | −0.83 pp |
| Q4 2018 | 2018-12-31 | 1.72% | +0.32 pp |
| Q3 2018 | 2018-09-30 | 1.56% | +0.09 pp |
| Q2 2018 | 2018-06-30 | 1.52% | −0.01 pp |
| Q1 2018 | 2018-03-31 | 1.62% | +0.26 pp |
| Q4 2017 | 2017-12-31 | 1.40% | −0.25 pp |
| Q3 2017 | 2017-09-30 | 1.48% | +0.09 pp |
| Q2 2017 | 2017-06-30 | 1.53% | +0.12 pp |
| Q1 2017 | 2017-03-31 | 1.36% | +0.34 pp |
| Q4 2016 | 2016-12-31 | 1.64% | +0.55 pp |
| Q3 2016 | 2016-09-30 | 1.38% | +0.12 pp |
| Q2 2016 | 2016-06-30 | 1.40% | +0.41 pp |
| Q1 2016 | 2016-03-31 | 1.02% | +0.24 pp |
| Q4 2015 | 2015-12-31 | 1.09% | −0.39 pp |
| Q3 2015 | 2015-09-30 | 1.26% | −0.47 pp |
| Q2 2015 | 2015-06-30 | 1.00% | — |
| Q1 2015 | 2015-03-31 | 0.78% | — |
| Q4 2014 | 2014-12-31 | 1.48% | — |
| Q3 2014 | 2014-09-30 | 1.73% | — |
Pathfinder Bancorp return on equity trends
Over the last five fiscal years, Pathfinder Bancorp's return on equity decreased from 7.40% to −1.58%, a change of −8.98 percentage points. The latest reported quarter, Q2 2026, shows 2.14%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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