Name: Pathfinder Bancorp, Inc. (PBHC) Financial Statements
Creator: FinSpry

Pathfinder Bancorp Income Statement Analysis

Revenue, earnings, and profit margins in millions USD

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Pathfinder Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Revenue & Gross Profit
Revenue	79.15	83.48	41.18	46.66	43.50	33.42
Cost of Revenue	48.66	48.34	0.00	0.00	0.00	0.00
Gross Profit	30.49	35.14	0.00	0.00	0.00	0.00
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	19.76	19.33	17.48	17.53	16.46	0.00
Operating Expenses	34.58	29.98	0.00	0.00	0.00	0.00
Operating Income	-4.09	5.16	0.00	0.00	0.00	0.00
Other Income/Expense
Interest Income	76.50	77.74	67.09	50.87	45.52	0.00
Interest Expense	32.32	37.37	28.74	9.70	7.53	0.00
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	-4.09	5.16	11.78	15.69	16.01	0.00
Income Tax Expense	-0.68	0.33	2.36	2.66	3.50	1.30
Net Income	-3.42	3.38	9.29	12.93	12.41	6.95
Net Income - Continuous Operations	-3.42	3.38	9.42	13.03	12.51	0.00
Net Income - Discontinued Operations	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA	-1.94	6.50	0.00	0.00	0.00	0.00
EBIT	0.00	0.00	0.00	0.00	0.00	0.00
Depreciation & Amortization	2.15	1.34	1.34	0.70	1.82	0.00
Earnings Per Share
Basic EPS	-1.00	-	1.00	2.00	2.00	1.00
Diluted EPS	-1.00	-	1.00	2.00	2.00	1.00
Basic Shares Outstanding	6.29	6.09	6.03	4.56	4.48	4.61
Diluted Shares Outstanding	6.35	6.09	6.03	4.56	4.48	4.61