Pathfinder Bancorp Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
No analyst estimates are published for this company.
Coverage varies across the market: larger companies are often followed by dozens of analysts, while smaller or recently listed ones may have none.
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 29 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Allowance for Credit Losses (ACL) as % of Total Loans Quarterly324.0%Target: Normalized levels closer to peer median over the long-term
Core Deposits as % of Total Deposits Quarterly8,201.0%Target: Maintain above 80%
Tangible Common Equity to Tangible Assets Quarterly8.0Target: Maintain strong capital cushion exceeding regulatory well-capitalized thresholds
Net Interest Margin (NIM) Quarterly310.0%Target: Sustain expansion through disciplined loan and deposit pricing
Watch Items
- Commercial Loan Portfolio Credit QualityTrigger: Increase in nonperforming commercial loans or additional specific reserve requirementsAction: Conduct targeted credit reviews and adjust underwriting standards for legacy commercial exposures.
- Core Deposit Retention and Funding CostsTrigger: Core deposit mix falling below 80% or rapid rise in interest-bearing deposit costsAction: Optimize deposit pricing strategies and leverage relationship-based local market positioning.
Research as of 19 Jun 2026