Pathfinder Bancorp, Inc. (PBHC) FCF Margin (2013 - 2026)
Pathfinder Bancorp (PBHC) recorded FCF Margin of 72.94% in Q2 2026, up 88.51 percentage points from the prior quarter.
Powered by 
Analysis
Pathfinder Bancorp, Inc. (PBHC) FCF Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Pathfinder Bancorp's FCF Margin came in at 179.58% as of Jun 30, 2026, down 2064.41 percentage points year-over-year; for FY2024, it came in at 852.47%, down 180.20 percentage points from FY2023.
- Annual FCF Margin has declined for four straight years, though with a five-year change of +316.45 percentage points (FY2019 to FY2024).
- Across earlier years, FCF Margin came in at 1032.67% in FY2023 (-725.75 pp), 1758.42% in FY2022 (-49.02 pp), 1807.44% in FY2021 (-2936.01 pp) and 4743.46% in FY2020 (+4207.44 pp).
- The Q2 2026 figure is the highest quarterly FCF Margin since Q3 2024.
- Peak year-over-year performance for FCF Margin in the last five years was a gain of 1955.33 percentage points in Q2 2024, against a drop of 9002.53 percentage points in Q4 2024 at the low end.
Peer Set
Peer Comparison
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 18.55% |
| Mar 31, 2026 | -4.26% |
| Dec 31, 2025 | 20.27% |
| Sep 30, 2025 | 52.83% |
| Jun 30, 2025 | -42.61% |
| Mar 31, 2025 | 40.13% |
| Dec 31, 2024 | -20.26% |
| Sep 30, 2024 | 84.32% |
| Jun 30, 2024 | 5.96% |
| Mar 31, 2024 | 2.46% |
| Dec 31, 2023 | 77.63% |
| Sep 30, 2023 | 36.36% |
| Jun 30, 2023 | -42.84% |
| Mar 31, 2023 | 50.83% |
| Dec 31, 2022 | 69.92% |
| Sep 30, 2022 | 39.96% |
| Jun 30, 2022 | 22.03% |
| Mar 31, 2022 | 31.31% |
| Dec 31, 2021 | 38.66% |
| Sep 30, 2021 | 61.06% |
API Access
Pathfinder Bancorp, Inc. FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "PBHC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();