Pathfinder Bancorp (PBHC) Interest Coverage Ratio (2013 - 2026)
Pathfinder Bancorp (PBHC) posted Interest Coverage Ratio of 1.18 for Q1 2026, up 21.55% sequentially from 0.97 in Q4 2025, and down 3.48% YoY from 1.22 in Q1 2025.
Pathfinder Bancorp (PBHC) Interest Coverage Ratio (2013 - 2026) Analysis & Trends
Pathfinder Bancorp has reported Interest Coverage Ratio for 14 years, with the latest figure at 1.18 in Q1 2026.
- Quarterly Interest Coverage Ratio fell 3.48% year-over-year to 1.18 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 20.46 (up 559.19% YoY) and the FY2025 annual result came in at 0.99, down 2.62% from the prior year.
- Interest Coverage Ratio climbed to 1.18 in Q1 2026 per PBHC's latest filing, from 0.97 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 1.68 in Q4 2024 and troughed at 0.39 in Q3 2024.
- A 5-year average of 1.21 and a median of 1.23 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio plunged 67.4% in 2022, then surged 167.89% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 1.48 in 2022, then slipped by 7.58% to 1.37 in 2023, then climbed by 23.35% to 1.68 in 2024, then plunged by 42.35% to 0.97 in 2025, then gained by 21.55% to 1.18 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.18, 0.97, and 1.04 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Hdfc Bank | 120.66 Bn | 84.46 Bn | - | - |
| 2 | Pnc Financial Services | 97.86 Bn | 97.86 Bn | - | 2.00 |
| 3 | Us Bancorp | 96.39 Bn | 96.39 Bn | - | 1.84 |
| 4 | Lloyds Banking | 93.61 Bn | 93.91 Bn | - | - |
| 5 | NatWest | 74.92 Bn | -144.17 Bn | - | 0.27 |
| 6 | Deutsche Bank Aktiengesellschaft | 72.22 Bn | -81.10 Bn | - | 1.49 |
| 7 | Nu Holdings | 70.34 Bn | 56.66 Bn | 2.35 Bn | - |
| 8 | Truist Financial | 61.75 Bn | 61.75 Bn | - | 1.77 |
| 9 | Fifth Third Bancorp | 49.88 Bn | 26.16 Bn | - | 1.90 |
| 10 | Pathfinder Bancorp | 80.15 Mn | 79.32 Mn | - | 1.43 |
Historic Data
Download Data| Date | Value |
|---|---|
| Jun 30, 2026 | 1.20 |
| Mar 31, 2026 | 1.18 |
| Dec 31, 2025 | 0.97 |
| Sep 30, 2025 | 1.04 |
| Jun 30, 2025 | 1.00 |
| Mar 31, 2025 | 1.22 |
| Dec 31, 2024 | 1.68 |
| Sep 30, 2024 | 0.39 |
| Jun 30, 2024 | 1.23 |
| Mar 31, 2024 | 1.24 |
| Dec 31, 2023 | 1.37 |
| Sep 30, 2023 | 1.17 |
| Jun 30, 2023 | 1.18 |
| Mar 31, 2023 | 1.25 |
| Dec 31, 2022 | 1.48 |
| Sep 30, 2022 | 1.24 |
| Jun 30, 2022 | 1.33 |
| Mar 31, 2022 | 1.55 |
| Dec 31, 2021 | 4.53 |
| Sep 30, 2021 | 2.44 |