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Side-by-side financial comparison of Pathfinder Bancorp, Inc. (PBHC) and UNITED BANCORP INC (UBCP). Click either name above to swap in a different company.
Pathfinder Bancorp, Inc. is the larger business by last-quarter revenue ($11.8M vs $6.9M, roughly 1.7× UNITED BANCORP INC). UNITED BANCORP INC runs the higher net margin — 29.6% vs -52.9%, a 82.5% gap on every dollar of revenue. On growth, UNITED BANCORP INC posted the faster year-over-year revenue change (8.6% vs -22.6%). Pathfinder Bancorp, Inc. produced more free cash flow last quarter ($10.4M vs $-1.3M). Over the past eight quarters, Pathfinder Bancorp, Inc.'s revenue compounded faster (3.0% CAGR vs -0.7%).
Pathfinder Bancorp, Inc. is a regional bank holding company headquartered in New York, U.S. It operates Pathfinder Bank serving the central New York market, offering retail and commercial banking services including deposit accounts, mortgages, business loans and wealth management for individual consumers and small to medium-sized enterprises.
United Bank was an American bank headquartered in Hartford, Connecticut, and had locations throughout Connecticut, Massachusetts and Rhode Island. The bank was acquired in 2019 by People's United Financial and branches were rebranded or closed.
PBHC vs UBCP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $11.8M | $6.9M |
| Net Profit | $-5.6M | $2.0M |
| Gross Margin | — | — |
| Operating Margin | -81.1% | 28.7% |
| Net Margin | -52.9% | 29.6% |
| Revenue YoY | -22.6% | 8.6% |
| Net Profit YoY | -242.4% | 10.1% |
| EPS (diluted) | — | $0.35 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $11.8M | $6.9M | ||
| Q3 25 | $13.1M | $8.1M | ||
| Q2 25 | $9.3M | $8.0M | ||
| Q1 25 | $12.6M | $7.5M | ||
| Q4 24 | $15.3M | $6.3M | ||
| Q3 24 | $13.4M | $7.4M | ||
| Q2 24 | $10.7M | $7.4M | ||
| Q1 24 | $11.1M | $7.0M |
| Q4 25 | $-5.6M | $2.0M | ||
| Q3 25 | $626.0K | $1.9M | ||
| Q2 25 | $31.0K | $1.9M | ||
| Q1 25 | $3.0M | $1.9M | ||
| Q4 24 | $3.9M | $1.8M | ||
| Q3 24 | $-4.6M | $1.8M | ||
| Q2 24 | $2.0M | $1.7M | ||
| Q1 24 | $2.1M | $2.0M |
| Q4 25 | -81.1% | 28.7% | ||
| Q3 25 | 5.1% | 23.7% | ||
| Q2 25 | 0.4% | 24.2% | ||
| Q1 25 | 29.5% | 24.5% | ||
| Q4 24 | 55.4% | 28.1% | ||
| Q3 24 | -43.1% | 23.9% | ||
| Q2 24 | 23.3% | 21.8% | ||
| Q1 24 | 24.3% | 30.7% |
| Q4 25 | -52.9% | 29.6% | ||
| Q3 25 | 4.8% | 23.9% | ||
| Q2 25 | 0.3% | 24.0% | ||
| Q1 25 | 23.6% | 24.9% | ||
| Q4 24 | 37.7% | 29.1% | ||
| Q3 24 | -34.6% | 24.7% | ||
| Q2 24 | 18.7% | 23.6% | ||
| Q1 24 | 19.0% | 28.5% |
| Q4 25 | — | $0.35 | ||
| Q3 25 | $0.47 | $0.34 | ||
| Q2 25 | $0.47 | $0.33 | ||
| Q1 25 | — | $0.32 | ||
| Q4 24 | — | $0.31 | ||
| Q3 24 | $0.41 | $0.31 | ||
| Q2 24 | $0.41 | $0.30 | ||
| Q1 24 | — | $0.35 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $46.5M |
| Total DebtLower is stronger | $14.1M | — |
| Stockholders' EquityBook value | $122.5M | $70.5M |
| Total Assets | $1.4B | $857.4M |
| Debt / EquityLower = less leverage | 0.11× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $46.5M | ||
| Q3 25 | — | $45.7M | ||
| Q2 25 | — | $49.7M | ||
| Q1 25 | — | $36.4M | ||
| Q4 24 | — | $19.6M | ||
| Q3 24 | — | $37.8M | ||
| Q2 24 | — | $37.6M | ||
| Q1 24 | — | $46.9M |
| Q4 25 | $14.1M | — | ||
| Q3 25 | $18.7M | — | ||
| Q2 25 | $21.0M | — | ||
| Q1 25 | $17.6M | — | ||
| Q4 24 | $27.1M | — | ||
| Q3 24 | $39.8M | — | ||
| Q2 24 | $45.9M | — | ||
| Q1 24 | $45.9M | — |
| Q4 25 | $122.5M | $70.5M | ||
| Q3 25 | $126.3M | $66.5M | ||
| Q2 25 | $124.4M | $59.7M | ||
| Q1 25 | $124.9M | $60.8M | ||
| Q4 24 | $121.5M | $63.5M | ||
| Q3 24 | $120.2M | $65.5M | ||
| Q2 24 | $123.3M | $60.6M | ||
| Q1 24 | $121.8M | $63.2M |
| Q4 25 | $1.4B | $857.4M | ||
| Q3 25 | $1.5B | $866.8M | ||
| Q2 25 | $1.5B | $847.9M | ||
| Q1 25 | $1.5B | $830.7M | ||
| Q4 24 | $1.5B | $816.7M | ||
| Q3 24 | $1.5B | $825.5M | ||
| Q2 24 | $1.4B | $821.8M | ||
| Q1 24 | $1.5B | $834.0M |
| Q4 25 | 0.11× | — | ||
| Q3 25 | 0.15× | — | ||
| Q2 25 | 0.17× | — | ||
| Q1 25 | 0.14× | — | ||
| Q4 24 | 0.22× | — | ||
| Q3 24 | 0.33× | — | ||
| Q2 24 | 0.37× | — | ||
| Q1 24 | 0.38× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $11.7M | $10.5M |
| Free Cash FlowOCF − Capex | $10.4M | $-1.3M |
| FCF MarginFCF / Revenue | 88.1% | -19.2% |
| Capex IntensityCapex / Revenue | 10.7% | 171.0% |
| Cash ConversionOCF / Net Profit | — | 5.14× |
| TTM Free Cash FlowTrailing 4 quarters | $18.4M | $-819.0K |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.7M | $10.5M | ||
| Q3 25 | $7.0M | $3.2M | ||
| Q2 25 | $-3.7M | $3.8M | ||
| Q1 25 | $5.7M | $1.1M | ||
| Q4 24 | $11.2M | $8.4M | ||
| Q3 24 | $11.8M | $4.4M | ||
| Q2 24 | $1.5M | $-789.0K | ||
| Q1 24 | $504.0K | $3.6M |
| Q4 25 | $10.4M | $-1.3M | ||
| Q3 25 | $6.9M | $-367.0K | ||
| Q2 25 | $-4.0M | $1.5M | ||
| Q1 25 | $5.1M | $-594.0K | ||
| Q4 24 | $9.1M | $-1.2M | ||
| Q3 24 | $11.3M | $-1.7M | ||
| Q2 24 | $637.0K | $-1.5M | ||
| Q1 24 | $274.0K | $223.0K |
| Q4 25 | 88.1% | -19.2% | ||
| Q3 25 | 52.8% | -4.5% | ||
| Q2 25 | -42.6% | 18.3% | ||
| Q1 25 | 40.1% | -7.9% | ||
| Q4 24 | 59.9% | -19.7% | ||
| Q3 24 | 84.3% | -22.9% | ||
| Q2 24 | 6.0% | -20.5% | ||
| Q1 24 | 2.5% | 3.2% |
| Q4 25 | 10.7% | 171.0% | ||
| Q3 25 | 1.0% | 43.7% | ||
| Q2 25 | 2.4% | 29.0% | ||
| Q1 25 | 5.1% | 22.0% | ||
| Q4 24 | 13.5% | 152.8% | ||
| Q3 24 | 3.8% | 82.8% | ||
| Q2 24 | 8.2% | 9.8% | ||
| Q1 24 | 2.1% | 48.6% |
| Q4 25 | — | 5.14× | ||
| Q3 25 | 11.26× | 1.64× | ||
| Q2 25 | -120.55× | 1.98× | ||
| Q1 25 | 1.92× | 0.57× | ||
| Q4 24 | 2.87× | 4.57× | ||
| Q3 24 | — | 2.42× | ||
| Q2 24 | 0.76× | -0.45× | ||
| Q1 24 | 0.24× | 1.81× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PBHC
| Other | $5.6M | 47% |
| Banking | $3.7M | 31% |
| Deposit Account | $1.5M | 13% |
| Financial Service Other | $1.0M | 9% |
UBCP
Segment breakdown not available.
