All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2017; the latest 2019-04-04.
From the record
Pathfinder Bancorp, Inc.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2019-04-04) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+13.7% a year over 10 filed years; profitable in 9 of 10.
From the record
Pathfinder Bancorp, Inc.'s 10 filed years say what it did: revenue went from $24 million in fiscal 2016 to $77 million in fiscal 2025, up 13.7% a year; it rose in 8 of 9 years; the deepest fall was 2% from fiscal 2024 to fiscal 2025; net income was positive in 9 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 1.4/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Pathfinder Bancorp, Inc.'s shareholder treatment is put at 1.4 of 10 with a confidence of 35 of 100, because read from one part only, the cash returned against operating cash flow, which ranks in the bottom 15% of 162 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
ROE -2%: lost 2¢ per shareholder dollar. Leverage 91%: owes 91¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Pathfinder Bancorp, Inc. lost about 2 cents for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
bottom 14% of 155 in its family; net margin -2.5%.
From the record
Pathfinder Bancorp, Inc.'s standing among 155 graded names in its industry family: revenue of $77 million in fiscal 2025 ranks in the bottom 7% by size; a net margin of -2.5% ranks in the bottom 4%; revenue growth of 14.5% a year over the last 3 filed years ranks in the bottom 31% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 48% of 150 in its family for leadership; chief executive since 2023.
From the record
Pathfinder Bancorp, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Dowd, James A. (President and CEO, as filed), filing under that title since 2023-03-22, 3.6 years (bottom 20% of its family); the 13 officers and directors filing in the last fifteen months have been on the record a median of 8.7 years (top 30%); 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 13 people in charge now (top 47%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
bottom 19% of 142 in its family for room to expand.
From the record
Pathfinder Bancorp, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $31 million against debt of $14 million leaves 1.2% of its assets as net cash, bottom 22% of its family; cash from operations less capital spending is 13.6% of revenue (bottom 16%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 24% of 152 in its family for growth drivers.
From the record
Pathfinder Bancorp, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 14.5% a year over the last three filed years against 13.7% over all 10, speeding up (bottom 30% of its family); the newest year grew -2.2% (bottom 16%); capital spending grew -12.8% a year (bottom 26%) (its annual reports). Pathfinder Bancorp, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 11% of 150 in its family for expectations against reality.
From the record
Pathfinder Bancorp, Inc.'s newest year against its own record: revenue of $77 million in fiscal 2025 came in 21% below the $97 million its prior three years' pace pointed to (bottom 23% of its family); net income of $2 million against a prior three-year average of $9 million (bottom 3%); a net margin of -2.5% against 14.5% before (bottom 6%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made