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Side-by-side financial comparison of Pathfinder Bancorp, Inc. (PBHC) and UNION BANKSHARES INC (UNB). Click either name above to swap in a different company.
UNION BANKSHARES INC is the larger business by last-quarter revenue ($14.1M vs $11.8M, roughly 1.2× Pathfinder Bancorp, Inc.). On growth, UNION BANKSHARES INC posted the faster year-over-year revenue change (6.3% vs -22.6%). UNION BANKSHARES INC produced more free cash flow last quarter ($16.0M vs $10.4M). Over the past eight quarters, UNION BANKSHARES INC's revenue compounded faster (10.2% CAGR vs 3.0%).
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.
Atlantic Union Bankshares Corporation is a bank holding company based in Richmond, Virginia and is the parent company of Atlantic Union Bank, a regional bank. It operates 129 branches in Virginia, Maryland, and North Carolina and is the largest bank headquartered in Virginia. It is on the list of largest banks in the United States.
PBHC vs UNB — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $11.8M | $14.1M |
| Net Profit | $-5.6M | — |
| Gross Margin | — | — |
| Operating Margin | -81.1% | — |
| Net Margin | -52.9% | — |
| Revenue YoY | -22.6% | 6.3% |
| Net Profit YoY | -242.4% | — |
| EPS (diluted) | — | $0.59 |
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 | $14.1M | ||
| Q3 25 | $13.1M | $14.5M | ||
| Q2 25 | $9.3M | $13.2M | ||
| Q1 25 | $12.6M | $12.7M | ||
| Q4 24 | $15.3M | $13.2M | ||
| Q3 24 | $13.4M | $11.0M | ||
| Q2 24 | $10.7M | $12.2M | ||
| Q1 24 | $11.1M | $11.6M |
| Q4 25 | $-5.6M | — | ||
| Q3 25 | $626.0K | $3.4M | ||
| Q2 25 | $31.0K | $2.4M | ||
| Q1 25 | $3.0M | $2.5M | ||
| Q4 24 | $3.9M | — | ||
| Q3 24 | $-4.6M | $1.3M | ||
| Q2 24 | $2.0M | $2.0M | ||
| Q1 24 | $2.1M | $2.4M |
| Q4 25 | -81.1% | — | ||
| Q3 25 | 5.1% | — | ||
| Q2 25 | 0.4% | — | ||
| Q1 25 | 29.5% | — | ||
| Q4 24 | 55.4% | — | ||
| Q3 24 | -43.1% | — | ||
| Q2 24 | 23.3% | — | ||
| Q1 24 | 24.3% | — |
| Q4 25 | -52.9% | — | ||
| Q3 25 | 4.8% | 23.7% | ||
| Q2 25 | 0.3% | 18.1% | ||
| Q1 25 | 23.6% | 19.7% | ||
| Q4 24 | 37.7% | — | ||
| Q3 24 | -34.6% | 12.0% | ||
| Q2 24 | 18.7% | 16.5% | ||
| Q1 24 | 19.0% | 20.9% |
| Q4 25 | — | $0.59 | ||
| Q3 25 | $0.47 | $0.75 | ||
| Q2 25 | $0.47 | $0.52 | ||
| Q1 25 | — | $0.55 | ||
| Q4 24 | — | $0.65 | ||
| Q3 24 | $0.41 | $0.29 | ||
| Q2 24 | $0.41 | $0.45 | ||
| Q1 24 | — | $0.53 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | $14.1M | — |
| Stockholders' EquityBook value | $122.5M | $80.9M |
| Total Assets | $1.4B | $1.6B |
| Debt / EquityLower = less leverage | 0.11× | — |
8-quarter trend — quarters aligned by calendar period.
| 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 | $80.9M | ||
| Q3 25 | $126.3M | $77.7M | ||
| Q2 25 | $124.4M | $71.3M | ||
| Q1 25 | $124.9M | $70.1M | ||
| Q4 24 | $121.5M | $66.5M | ||
| Q3 24 | $120.2M | $72.3M | ||
| Q2 24 | $123.3M | $64.0M | ||
| Q1 24 | $121.8M | $63.8M |
| Q4 25 | $1.4B | $1.6B | ||
| Q3 25 | $1.5B | $1.6B | ||
| Q2 25 | $1.5B | $1.5B | ||
| Q1 25 | $1.5B | $1.5B | ||
| Q4 24 | $1.5B | $1.5B | ||
| Q3 24 | $1.5B | $1.5B | ||
| Q2 24 | $1.4B | $1.4B | ||
| Q1 24 | $1.5B | $1.4B |
| 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 | $17.2M |
| Free Cash FlowOCF − Capex | $10.4M | $16.0M |
| FCF MarginFCF / Revenue | 88.1% | 113.6% |
| Capex IntensityCapex / Revenue | 10.7% | 8.9% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $18.4M | $29.1M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.7M | $17.2M | ||
| Q3 25 | $7.0M | $9.7M | ||
| Q2 25 | $-3.7M | $288.0K | ||
| Q1 25 | $5.7M | $4.1M | ||
| Q4 24 | $11.2M | $12.2M | ||
| Q3 24 | $11.8M | $1.3M | ||
| Q2 24 | $1.5M | $3.3M | ||
| Q1 24 | $504.0K | $1.9M |
| Q4 25 | $10.4M | $16.0M | ||
| Q3 25 | $6.9M | $9.6M | ||
| Q2 25 | $-4.0M | $-381.0K | ||
| Q1 25 | $5.1M | $3.9M | ||
| Q4 24 | $9.1M | $11.1M | ||
| Q3 24 | $11.3M | $1.1M | ||
| Q2 24 | $637.0K | $2.9M | ||
| Q1 24 | $274.0K | $1.5M |
| Q4 25 | 88.1% | 113.6% | ||
| Q3 25 | 52.8% | 65.9% | ||
| Q2 25 | -42.6% | -2.9% | ||
| Q1 25 | 40.1% | 30.8% | ||
| Q4 24 | 59.9% | 83.8% | ||
| Q3 24 | 84.3% | 9.7% | ||
| Q2 24 | 6.0% | 23.8% | ||
| Q1 24 | 2.5% | 12.8% |
| Q4 25 | 10.7% | 8.9% | ||
| Q3 25 | 1.0% | 1.1% | ||
| Q2 25 | 2.4% | 5.1% | ||
| Q1 25 | 5.1% | 1.1% | ||
| Q4 24 | 13.5% | 8.1% | ||
| Q3 24 | 3.8% | 1.9% | ||
| Q2 24 | 8.2% | 2.7% | ||
| Q1 24 | 2.1% | 3.3% |
| Q4 25 | — | — | ||
| Q3 25 | 11.26× | 2.83× | ||
| Q2 25 | -120.55× | 0.12× | ||
| Q1 25 | 1.92× | 1.62× | ||
| Q4 24 | 2.87× | — | ||
| Q3 24 | — | 0.97× | ||
| Q2 24 | 0.76× | 1.61× | ||
| Q1 24 | 0.24× | 0.77× |
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% |
UNB
Segment breakdown not available.
