Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $3.27M | $3.49M | $4.03M | $4.28M | $6.95M | $12.4M | $12.9M | $9.29M | $3.38M | -$1.93M |
| EPS (diluted) | $0.78 | $0.83 | $0.94 | $0.80 | $1.17 | — | — | — | — | — |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $6.37M | $6.84M | $8.98M | $8.12M | $46.6M | $20.2M | $21.7M | $15.4M | $11.2M | $11.7M |
| Capital expenditures | $1.36M | $1.98M | $5.69M | $3.60M | $1.26M | $1.21M | $1.90M | $1.97M | $2.06M | $1.26M |
| Free cash flow | $5.01M | $4.87M | $3.29M | $4.52M | $45.3M | $18.9M | $19.8M | $13.5M | $9.15M | $10.4M |
| Share buybacks | $1.75M | $0.00 | — | — | — | — | — | — | — | — |
| Dividends paid | $866K | $884K | $1.02M | $1.09M | $1.14M | $1.23M | $1.57M | $1.69M | $1.84M | $1.91M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $22.4M | $22.0M | $26.3M | $20.2M | $43.5M | $37.1M | $35.3M | $48.7M | $31.6M | $31.2M |
| Total assets | $749M | $881M | $933M | $1.09B | $1.23B | $1.29B | $1.40B | $1.47B | $1.47B | $1.43B |
| Total liabilities | $691M | $819M | $869M | $1.00B | $1.13B | $1.17B | $1.29B | $1.35B | $1.35B | $1.30B |
| Long-term debt | $17.0M | $43.3M | $79.5M | $68.0M | $78.0M | $64.6M | $55.7M | $49.9M | $27.1M | $14.1M |
| Shareholders' equity | $57.9M | $61.8M | $64.2M | $90.4M | $97.5M | $110M | $111M | $119M | $121M | $122M |
| Retained earnings | $35.6M | $39.0M | $42.1M | $44.8M | $50.3M | $60.9M | $71.3M | $76.1M | $77.8M | $73.4M |
| Shares (wtd avg diluted) | 4.24M | 4.28M | 4.36M | 4.71M | 4.53M | 5.98M | 4.65M | 4.72M | 4.75M | 4.75M |
Every figure is extracted from Pathfinder Bancorp, Inc.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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