Pathfinder Bancorp, Inc. (PBHC) Interest Coverage Ratio (2013 - 2026)
Pathfinder Bancorp's Interest Coverage Ratio was 1.43 in Q2 2026, up 42.5% from 1.00 a year earlier and up 1.5% from the prior quarter.
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Analysis
Pathfinder Bancorp, Inc. (PBHC) Interest Coverage Ratio (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Pathfinder Bancorp's Interest Coverage Ratio was 0.95 through Jun 30, 2026, down 14.5% year-over-year; for FY2025, it came in at 0.87, down 23.3% from FY2024.
- Interest Coverage Ratio has now declined for four consecutive years.
- In earlier years, Interest Coverage Ratio was 1.14 in FY2024 (-19.3%), 1.41 in FY2023 (-46.1%), 2.62 in FY2022 (-16.2%) and 3.13 in FY2021 (+76.8%).
- The Q2 2026 figure marks the highest quarterly Interest Coverage Ratio since Q1 2025.
- Compared with a year earlier, Interest Coverage Ratio was higher in four of the last seven quarters, with growth averaging 22.8%.
- The best year-over-year quarter for Interest Coverage Ratio over five years was Q3 2025 (growth of 178.7%); the worst was Q3 2024 (a decline of 71.5%).
- Per Business Quant data, PBHC's Interest Coverage Ratio in the three quarters before Q2 2026 was 1.41 (Q1 2026), -0.09 (Q4 2025) and 1.08 (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.43 |
| Mar 31, 2026 | 1.41 |
| Dec 31, 2025 | -0.09 |
| Sep 30, 2025 | 1.08 |
| Jun 30, 2025 | 1.00 |
| Mar 31, 2025 | 1.46 |
| Dec 31, 2024 | 1.63 |
| Sep 30, 2024 | 0.39 |
| Jun 30, 2024 | 1.26 |
| Mar 31, 2024 | 1.29 |
| Dec 31, 2023 | 1.35 |
| Sep 30, 2023 | 1.36 |
| Jun 30, 2023 | 1.36 |
| Mar 31, 2023 | 1.66 |
| Dec 31, 2022 | 2.02 |
| Sep 30, 2022 | 2.52 |
| Jun 30, 2022 | 3.35 |
| Mar 31, 2022 | 3.45 |
| Dec 31, 2021 | 4.42 |
| Sep 30, 2021 | 3.40 |
API Access
Pathfinder Bancorp, Inc. Interest Coverage Ratio 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=interest-coverage-ratio&ticker=PBHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-coverage-ratio", "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=interest-coverage-ratio&ticker=PBHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();