PBHC (Pathfinder Bancorp) Debt-to-Asset : 0.12 (As of Jun. 2026)

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PBHC Pathfinder Bancorp Inc PBHC
55 GF Score
Price $16.60
GF Value $14.57
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Pathfinder Bancorp Debt-to-Asset?

Pathfinder Bancorp PBHC +1.28% 55 Debt-to-Asset is 0.12 as of Jun. 2026. GuruFocus rates PBHC with a GF Score™ of 55/100 and a GF Value™ of $14.57 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Pathfinder Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $125.00 Mil. Pathfinder Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was $55.99 Mil. Pathfinder Bancorp's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Jun. 2026 was $1,492.50 Mil. Pathfinder Bancorp's debt to asset for the quarter that ended in Jun. 2026 was 0.12.

Pathfinder Bancorp  (NAS:PBHC) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Pathfinder Bancorp Debt-to-Asset Related Terms

Pathfinder Bancorp Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Pathfinder Bancorp's Debt-to-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Pathfinder Bancorp Debt-to-Asset Chart

Pathfinder Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.09 0.11 0.14 0.09 0.07

Pathfinder Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.10 0.07 0.07 0.05 0.12

PBHC vs PTBS, ADKT, ORBN: Debt-to-Asset Comparison

For the Banks - Regional subindustry, Pathfinder Bancorp's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Pathfinder Bancorp Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's Debt-to-Asset falls into.


PBHC
55GF Score
Pathfinder Bancorp Inc PBHC
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Pathfinder Bancorp Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Pathfinder Bancorp's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(44 + 61.923) / 1426.636
=0.07

Pathfinder Bancorp's Debt-to-Asset for the quarter that ended in Jun. 2026 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(125 + 55.989) / 1492.503
=0.12

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Debt-to-Asset →
What does a Debt-to-Asset of 0.12 mean?
Pathfinder Bancorp (PBHC) has a Debt-to-Asset of 0.12 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Pathfinder Bancorp and its competitors.
Is Pathfinder Bancorp's Debt-to-Asset too high?
Pathfinder Bancorp's current Debt-to-Asset is 0.12. Overall, Pathfinder Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's Debt-to-Asset compare to PTBS and ADKT?
Pathfinder Bancorp's Debt-to-Asset of 0.12 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Pathfinder Bancorp and its competitors. Pathfinder Bancorp's current Debt-to-Asset is 0.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pathfinder Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pathfinder Bancorp (PBHC) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.57, compared to a current price of $16.60 — trading 13.9% above its estimated fair value. The current Debt-to-Asset is 0.12. Pathfinder Bancorp's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current Debt-to-Asset is 0.12 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Pathfinder Bancorp (PBHC) Overvalued in 2026?

Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued. The current stock price of $16.60 is trading 13.9% above its estimated GF Value™ of $14.57. GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.

Key valuation signals for PBHC:

  • Debt-to-Asset: 0.12
  • GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the PBHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pathfinder Bancorp Business Description

Other Exchanges 8PF:Germany
Address 214 West First Street, Oswego, NY, USA, 13126
Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source of income is interest on loans and investment securities.
55GF Score

Get the complete analysis for PBHC

Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.60
Price
$14.57
GF Value