Evidence method
Sequential · gp.financial.deposits
-4.67% · CORE · VALID
GROSSPATTERN / FUNDAMENTAL STATE / POINT IN TIME
PBHC · Dec 31, 2022
Pathfinder Bancorp, Inc.. A multidimensional configuration derived from the filing available at this observation—never a composite score or recommendation.
STATE CAPABILITYLEVEL 3[email protected]
Inspectable configuration
State dimensions
Filing0000950170-23-011185Bank
Evidence method
Yoy · gp.fundamentals.net_income
4.23% · CORE · VALID
Evidence method
Yoy · gp.financial.interest_expense
28.72% · CORE · VALID
Evidence method
Yoy · gp.financial.interest_income
11.50% · CORE · VALID
Evidence method
Level · gp.fundamentals.cash
$35.3M · CORE · VALID
Evidence method
Sequential · gp.financial.loans
1.33% · CORE · VALID
As-filed lineage
Fundamental state history
Each observation is tied to the filing and facts available at that report date. Amendments remain separate.
History47 statesSelf-history eligible
Sep 30, 20216/6 normalizedLevel 3Dec 31, 20216/6 normalizedLevel 3Mar 31, 20226/6 normalizedLevel 3Jun 30, 20226/6 normalizedLevel 3Sep 30, 20226/6 normalizedLevel 3Dec 31, 20226/6 normalizedLevel 3Mar 31, 20236/6 normalizedLevel 3Jun 30, 20236/6 normalizedLevel 3Sep 30, 20236/6 normalizedLevel 3Dec 31, 20236/6 normalizedLevel 3Mar 31, 20246/6 normalizedLevel 3Jun 30, 20245/5 normalizedLevel 3Sep 30, 20244/4 normalizedLevel 3Dec 31, 20244/4 normalizedLevel 3Mar 31, 20254/4 normalizedLevel 3Jun 30, 20254/4 normalizedLevel 3Sep 30, 20253/3 normalizedLevel 3Dec 31, 20254/4 normalizedLevel 3Mar 31, 20264/4 normalizedLevel 3Jun 30, 20264/4 normalizedLevel 4
Period transition
What moved in the state?
- Previous
- 3.76%
- Current
- -4.67%
- Delta
- -8.43%
- Previous
- -5.50%
- Current
- 4.23%
- Delta
- 9.73%
- Previous
- 41.39%
- Current
- 28.72%
- Delta
- -12.67%
- Previous
- 15.05%
- Current
- 11.50%
- Delta
- -3.55%
- Previous
- $44.5M
- Current
- $35.3M
- Delta
- -$9.2M
- Previous
- 2.27%
- Current
- 1.33%
- Delta
- -0.94%
Self-history only
Previous similar states
Similarity compares compatible valid dimensions from this issuer's own point-in-time history. No market-return claim is attached.
Not enough compatible prior states for a transparent self-history match.
Research Graph
Related governed research
Transitioned To · PBHC Fundamental State →Has State · Pathfinder Bancorp, Inc. →Transitioned To · PBHC Fundamental State →Transitioned To · PBHC DEPOSIT_GROWTH_DECREASED →Transitioned To · PBHC EARNINGS_GROWTH_INCREASED →Transitioned To · PBHC FUNDING_COST_GROWTH_DECREASED →Transitioned To · PBHC INTEREST_INCOME_GROWTH_DECREASED →Transitioned To · PBHC LIQUIDITY_DECREASED →Transitioned To · PBHC LOAN_GROWTH_DECREASED →
Method Percentiles and historical matches use only observations available at each point in time. Missing dimensions remain missing. Public price outcomes and cross-market analogues are deliberately absent.