Pathfinder Bancorp (PBHC) Financial Statements & Analysis

Pathfinder Bancorp (PBHC) Income Statement

Pathfinder Bancorp reported revenue of $46.98M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 43.7% from $83.48M a year earlier. Pathfinder Bancorp posted a net loss of $1.93M, compared with net income of $3.38M a year earlier. Gross margin was 64.9% and operating margin -8.7%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $11.91M, up 28.2% from the same quarter a year earlier.

Pathfinder Bancorp Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

Scale:

Scroll to see more

Pathfinder Bancorp, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	46.98	83.48	71.82	56.36	43.50	48.25	45.86	37.77	32.57
Cost of Revenue	48.66	48.34	31.67	12.45	8.55	15.57	15.49	10.54	8.06
Gross Profit	30.49	35.14	40.15	43.91	42.48	32.68	30.37	27.23	24.51
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	19.97	19.33	17.48	17.53	10.10	17.50	17.38	16.04	14.98
Operating Expenses	34.58	29.98	28.36	28.22	26.47	24.34	24.91	22.67	20.16
Operating Income	-4.09	5.16	11.78	15.69	16.01	8.34	5.45	4.56	4.35
Other Income/Expense
Interest Income	76.41	77.74	67.09	50.87	45.52	42.18	41.48	34.55	29.18
Interest Expense	32.32	37.37	28.74	9.70	7.53	10.86	13.53	9.04	6.29
Other Income/Expense	0.00	0.00	0.00	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	8.34	5.45	4.56	4.35
Income Tax Expense	-2.16	0.33	2.36	2.66	3.50	1.30	1.17	0.55	0.92
Net Income	-1.93	3.38	9.29	12.93	12.41	6.95	4.28	4.03	3.49
Net Income - Continuous Operations	-1.93	3.38	9.29	12.93	12.41	6.95	4.28	4.03	3.49
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	-1.94	6.50	13.12	16.39	6.22	9.72	7.01	5.76	5.42
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.63	1.34	1.34	0.70	1.82	1.38	1.56	1.20	1.08
Earnings Per Share
Basic EPS	-1.00	-	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Diluted EPS	-1.00	-	2.00	2.00	2.00	1.00	1.00	1.00	1.00
Basic Shares Outstanding	4.78	6.09	4.65	4.56	5.22	4.53	4.46	4.17	4.08
Diluted Shares Outstanding	4.78	6.09	4.65	4.56	5.22	4.53	4.46	4.27	4.19

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Pathfinder Bancorp Financial Statements

What was Pathfinder Bancorp's revenue in fiscal 2025?

Pathfinder Bancorp reported revenue of $46.98M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 43.7% from $83.48M a year earlier.

Is Pathfinder Bancorp profitable?

No. Pathfinder Bancorp reported a net loss of $1.93M in fiscal 2025. In fiscal 2024 it earned $3.38M.

What is Pathfinder Bancorp's operating margin?

Pathfinder Bancorp's operating income was −$4.09M on revenue of $46.98M in fiscal 2025, an operating margin of -8.7%, compared with 6.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition