Avidbank Holdings vs Pathfinder Bancorp
Pathfinder Bancorp is the larger business, with $46.8m of revenue in fiscal 2025 against $30.9m for Avidbank Holdings (1.5 times as much). Pathfinder Bancorp grew faster (-7.4% against -61.9%). Pathfinder Bancorp kept more of each dollar of sales as profit: a net margin of -4.1% against -63.2%.
| Latest fiscal year | Avidbank HoldingsAVBH, 2025 | Pathfinder BancorpPBHC, 2025 |
|---|---|---|
| Revenue | $30.9m | $46.8m |
| Revenue growth | -61.9% | -7.4% |
| Net income | −$19.6m | −$1.9m |
| Operating margin | — | — |
| Net margin | -63.2% | -4.1% |
| Return on equity | -8.4% | -1.6% |
| Free cash flow | $38.9m | $10.4m |
| Cash | $155m | $31.2m |
| Total debt | $60.0m | $58.1m |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | — | 2.4% |
| Share buybacks | — | — |
| Employees | 151 | 187 |
| Market value | $380m | $81.7m |
| Price vs our value range | — | — |
| Moat score | — | 32 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 5 buys, 0 sales |