PBHC (Pathfinder Bancorp) LT-Debt-to-Total-Asset : 0.05 (As of Dec. 2024)

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What is Pathfinder Bancorp LT-Debt-to-Total-Asset?

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Pathfinder Bancorp's long-term debt to total assests ratio for the quarter that ended in Dec. 2024 was 0.05.

Pathfinder Bancorp's long-term debt to total assets ratio declined from Dec. 2023 (0.06) to Dec. 2024 (0.05). It may suggest that Pathfinder Bancorp is progressively becoming less dependent on debt to grow their business.

Pathfinder Bancorp LT-Debt-to-Total-Asset Historical Data

The historical data trend for Pathfinder Bancorp's LT-Debt-to-Total-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.

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Pathfinder Bancorp LT-Debt-to-Total-Asset Chart

Pathfinder Bancorp Annual Data

Trend

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

LT-Debt-to-Total-Asset

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0.10

0.08

0.07

0.06

0.05

Pathfinder Bancorp Quarterly Data
	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.06	0.06	0.06	0.06	0.05

Pathfinder Bancorp LT-Debt-to-Total-Asset Calculation

Pathfinder Bancorp's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (A: Dec. 2024 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2024 )	/	Total Assets (A: Dec. 2024 )
	=	75.511	/	1474.874
	=	0.05

Pathfinder Bancorp's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (Q: Dec. 2024 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2024 )	/	Total Assets (Q: Dec. 2024 )
	=	75.511	/	1474.874
	=	0.05

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

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Pathfinder Bancorp LT-Debt-to-Total-Asset Related Terms

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Pathfinder Bancorp Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pathfinder Bancorp Inc (NAS:PBHC) » Definitions » LT-Debt-to-Total-Asset

Comparable Companies

Traded in Other Exchanges

N/A

Address

214 West First Street, Oswego, NY, USA, 13126

Website

https://www.pathfinderbank.com

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.

Executives

Ronald Tascarella	officer: SVP and CCO
William D O'brien	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
Eric Allyn	director	214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips	officer: SVP	214 WEST FIRST STREET, OSWEGO NY 13126
David A. Ayoub	director	214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd	officer: SVP and CFO	214 WEST FIRST STREET, OSWEGO NY 13126
Walter Rusnak	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin	director	214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr.	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
George P Joyce	director	214 WEST FIRST STREET, OSWEGO NY 13126
Calvin Corriders	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
Adam C. Gagas	director	214 WEST FIRST STREET, OSWEGO NY 13126
Rebecca Braheney	officer: Controller, VP	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald G. Tascarella	officer: 1st Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
John Funiciello	director	214 WEST FIRST STREET, OSWEGO NY 13126