Ratios	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025

Pathfinder Bancorp Ratios (2017-2025) | PBHC

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Ratios	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
EBT Margin (Quarter)																	575.84%	9,935.90%	1,097.01%	-148.04%	3,149.15%	1,393.15%	333.11%	1,172.92%	2,477.04%	1,536.81%	-714.99%	1,169.00%	2,273.11%	11,331.82%	-1,929.67%	1,145.62%	1,582.13%	16.52%	594.69%	-773.93%
EBIT Margin (Quarter)																	692.86%	14,682.05%	1,199.25%	-330.93%	4,433.05%	1,985.27%	551.85%	-46.73%	2,826.67%	1,833.13%	-2,681.65%	4,552.40%	10,012.61%	54,704.55%	1,226.00%	2,968.13%	4,999.15%	3,654.78%	7,794.69%	-66.94%
EBITDA Margin (Quarter)																	692.86%	14,682.05%	1,199.25%	-330.93%	4,433.05%	1,985.27%	551.85%	-46.73%	2,826.67%	1,833.13%	-2,681.65%	4,552.40%	10,012.61%	54,704.55%	1,226.00%	2,968.13%	4,999.15%	3,654.78%	7,794.69%	-66.94%
Net Margin (Quarter)																	350.00%	5,769.23%	627.11%	143.70%	1,877.12%	255.14%	200.92%	2,255.95%	1,451.85%	918.40%	-125.32%	208.12%	395.80%	6,886.36%	-1,173.00%	534.26%	279.15%	2.61%	121.24%	-205.90%
FCF Margin (Quarter)																	643.49%	13,643.59%	1,555.47%	-127.90%	2,937.29%	850.68%	401.01%	2,712.20%	4,352.59%	-2,843.56%	-1,057.36%	3,001.11%	230.25%	2,895.45%	3,777.33%	-616.73%	2,153.19%	-1,722.17%	6,125.66%	217.62%
Efficiency
Invested Capital (Quarter)																	0.60M	0.59M	0.59M	0.60M	0.60M	0.60M	0.60M
Leverage & Solvency
Interest Coverage Ratio (Quarter)																	5.92	3.09	11.73	1.81	3.45	3.35	2.52	0.04	8.08	6.19	1.36	1.35	1.29	1.26	0.39	1.63	1.46	1.00	1.08	-0.09
Times Interest Earned (Quarter)																	5.92	3.09	11.73	1.81	3.45	3.35	2.52	0.04	8.08	6.19	1.36	1.35	1.29	1.26	0.39	1.63	1.46	1.00	1.08	-0.09
Dividends & Payouts
FCF Payout Ratio (Quarter)																	0.03	0.06	0.05	0.06	0.09	0.17	0.09	0.05	0.07	-0.09	0.10	0.05	1.72	0.74	0.04	-0.17	0.09	-0.12	0.07	0.20
Valuation
Enterprise Value (Quarter)																												-48.94M		-0.21M	-35.32M	-0.21M		-0.21M	-0.21M
Return Ratios
Return on Sales (Quarter)																	4.61%	77.54%	8.47%	-1.30%	25.38%	11.26%	2.68%	11.52%	19.81%	12.12%	-5.67%	9.51%	18.26%	91.45%	-15.39%	10.81%	12.66%	0.13%	5.54%	-5.05%
Return on Invested Capital (Quarter)																	4.22%	5.22%	5.50%	8.54%	9.19%	9.26%	9.93%	7.06%	9.06%	12.46%