Pathfinder Bancorp (FRA:8PF) Long-Term Debt: €33.44 Mil (As of Jun. 2026)

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FRA:8PF Pathfinder Bancorp Inc FRA:8PF
55 GF Score
Price €12.70
GF Value €11.15
! 7 Warning Signs
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What is Pathfinder Bancorp Long-Term Debt?

Pathfinder Bancorp FRA:8PF 55 Long-Term Debt is €33.44 Mil as of Jun. 2026. GuruFocus rates FRA:8PF with a GF Score™ of 55/100 and a GF Value™ of €11.15. The stock has 7 warning signs investors should review.

Pathfinder Bancorp's Long-Term Debt for the quarter that ended in Jun. 2026 was €33.44 Mil.

Pathfinder Bancorp's quarterly Long-Term Debt declined from Dec. 2025 (€37.77 Mil) to Mar. 2026 (€36.79 Mil) and declined from Mar. 2026 (€36.79 Mil) to Jun. 2026 (€33.44 Mil).

Pathfinder Bancorp's annual Long-Term Debt declined from Dec. 2023 (€73.21 Mil) to Dec. 2024 (€54.60 Mil) and declined from Dec. 2024 (€54.60 Mil) to Dec. 2025 (€37.77 Mil).

Pathfinder Bancorp  (FRA:8PF) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Pathfinder Bancorp Long-Term Debt Related Terms

Pathfinder Bancorp Long-Term Debt Historical Data

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The historical data trend for Pathfinder Bancorp's Long-Term Debt 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 Long-Term Debt Chart

Pathfinder Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 83.33 80.62 73.21 54.60 37.77

Pathfinder Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Long-Term Debt 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 44.38 41.71 37.77 36.79 33.44
FRA:8PF
55GF Score
Pathfinder Bancorp Inc FRA:8PF
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €33.44 Mil mean?
Pathfinder Bancorp (FRA:8PF) has a Long-Term Debt of €33.44 Mil as of Jun. 2026.
Is Pathfinder Bancorp's Long-Term Debt too high?
Pathfinder Bancorp's current Long-Term Debt is €33.44 Mil. Overall, Pathfinder Bancorp has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's Long-Term Debt compare to PTBS and ADKT?
Pathfinder Bancorp's Long-Term Debt of €33.44 Mil 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 Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Pathfinder Bancorp's current Long-Term Debt is €33.44 Mil. 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?
Pathfinder Bancorp (FRA:8PF) has a current Long-Term Debt of €33.44 Mil. The stock's GF Value™ is €11.15, compared to a current price of €12.70 — trading 13.9% above its estimated fair value. The current Long-Term Debt is €33.44 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Pathfinder Bancorp (FRA:8PF), the current Long-Term Debt is €33.44 Mil 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 (FRA:8PF) Overvalued in 2026?

Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued. The current stock price of €12.70 is trading 13.9% above its estimated GF Value™ of €11.15.

Key valuation signals for FRA:8PF:

  • Long-Term Debt: €33.44 Mil
  • GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
  • GF Score™: 55/100 with 7 warning signs

No single metric tells the full story. See the FRA:8PF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Pathfinder Bancorp Business Description

Other Exchanges PBHC:USA
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

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

€12.70
Price
€11.15
GF Value