Pathfinder Bancorp (PBHC) Times Interest Earned (2013 - 2026)
Pathfinder Bancorp's (PBHC) Times Interest Earned came in at 1.43 for 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 (PBHC) Times Interest Earned (2013 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Times Interest Earned at Pathfinder Bancorp was 0.95, down 14.5% year-over-year; for FY2025, it was 0.87, down 23.3% from FY2024.
- Annual Times Interest Earned has declined for four consecutive years.
- In prior years, Pathfinder Bancorp's Times Interest Earned 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 stands as the highest quarterly Times Interest Earned since Q1 2025.
- On a year-over-year basis, Times Interest Earned increased in four of the last seven quarters, with growth averaging 22.8%.
- The strongest year-over-year quarter for Times Interest Earned in the past five years was Q3 2025, with growth of 178.7%; the weakest was Q3 2024, with a decline of 71.5%.
- According to Business Quant data, Times Interest Earned for the three prior quarters was 1.41 (Q1 2026), -0.09 (Q4 2025) and 1.08 (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Times Interest Earned (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 2.10 |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | -2.12 |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 1.65 |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 1.56 |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 1.43 |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | 0.56 |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 1.47 |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 1.73 |
| 10 | Pathfinder Bancorp | 105.84 Mn | 105.01 Mn | - | 1.43 |
Historic Data
Download Data
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 Times Interest Earned 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=times-interest-earned&ticker=PBHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "times-interest-earned", "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=times-interest-earned&ticker=PBHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();