Colony Bankcorp vs Pathfinder Bancorp
Pathfinder Bancorp is the larger business, with $46.8m of revenue in fiscal 2025 against $30.0m for Colony Bankcorp (1.6 times as much). Pathfinder Bancorp grew faster (-7.4% against -74.0%). Colony Bankcorp kept more of each dollar of sales as profit: a net margin of 22.0% against -4.1%.
| Latest fiscal year | Colony BankcorpCBAN, 2025 | Pathfinder BancorpPBHC, 2025 |
|---|---|---|
| Revenue | $30.0m | $46.8m |
| Revenue growth | -74.0% | -7.4% |
| Net income | $6.6m | −$1.9m |
| Operating margin | — | — |
| Net margin | 22.0% | -4.1% |
| Return on equity | 2.0% | -1.6% |
| Free cash flow | −$6.9m | $10.4m |
| Cash | $258m | $31.2m |
| Total debt | $258m | $58.1m |
| Debt to equity | — | — |
| Dividend per share | — | — |
| Dividend yield | 2.1% | 2.4% |
| Share buybacks | $2.4m | — |
| Employees | 537 | 187 |
| Market value | $430m | $81.7m |
| Price vs our value range | — | — |
| Moat score | 49 (Moderate) | 32 (Weak) |
| Insider trades, 12 months | 20 buys, 0 sales | 5 buys, 0 sales |