Pathfinder Bancorp, Inc. (PBHC) — Financial statements
Income statement, balance sheet, and cash flow for Pathfinder Bancorp, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 79↓5.2% | 83↑16.2% | 72↑27.4% | 56↑10.4% | 51 | |
| Cost of Revenue | 49↑0.7% | 48↑52.6% | 32↑154.4% | 12↑45.5% | 9 | |
| Gross Profit | 30↓13.2% | 35↓12.5% | 40↓8.6% | 44↑3.4% | 42 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 19↑3.1% | 19↑11.4% | 17↑1.1% | 17↑9.0% | 15 | |
| Selling & Marketing Expenses | 0.46↓24.0% | 0.60↓10.0% | 0.67↓25.9% | 0.91↓24.5% | 1 | |
| SG&A Expenses | 20↑2.2% | 19↑10.6% | 17↓0.3% | 18↑6.5% | 16 | |
| Other Expenses | 15↑39.1% | 11↓2.2% | 11↑1.9% | 11↑6.7% | 10 | |
| Operating Expenses | 35↑15.3% | 30↑5.7% | 28↑0.5% | 28↑6.6% | 26 | |
| Total Costs & Expenses | 83↑6.3% | 78↑30.5% | 60↑47.6% | 41↑16.1% | 35 | |
| Operating Results | ||||||
| Operating Income | -4↓179.3% | 5↓56.2% | 12↓24.9% | 16↓2.0% | 16 | |
| Depreciation & Amortization | 2↑61.0% | 1↓0.2% | 1↑91.4% | 0.70↓61.5% | 2 | |
| EBITDA | -2↓129.9% | 6↓50.5% | 13↓19.9% | 16↓8.1% | 18 | |
| EBIT | -4↓179.3% | 5↓56.2% | 12↓24.9% | 16↓2.0% | 16 | |
| Interest & Other Income | ||||||
| Net Interest Income | 44↑9.4% | 40↑5.3% | 38↓6.9% | 41↑8.4% | 38 | |
| Interest Income | 76↓1.6% | 78↑15.9% | 67↑31.9% | 51↑11.8% | 46 | |
| Interest Expense | 32↓13.5% | 37↑30.0% | 29↑196.5% | 10↑28.7% | 8 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | -4↓179.3% | 5↓56.2% | 12↓24.9% | 16↓2.0% | 16 | |
| Income Tax Expense | -0.68↓303.6% | 0.33↓85.9% | 2↓11.1% | 3↓24.1% | 3 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | -3↓170.8% | 5↓48.8% | 9↓27.7% | 13↑4.2% | 13 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | -3↓201.0% | 3↓63.6% | 9↓28.1% | 13↑4.2% | 12 | |
| Bottom-Line Net Income | -3↓233.2% | 3↓63.5% | 7↓27.8% | 10↑4.7% | 9 | |
| EPS (Basic) | -0.54↓228.6% | 0.42↓72.2% | 1.51↓29.1% | 2.13↑2.9% | 2.07 | |
| EPS (Diluted) | -0.54↓228.6% | 0.42↓72.2% | 1.51↓29.1% | 2.13↑2.9% | 2.07 | |
| Weighted Average Shares | 6↑3.3% | 6↑31.0% | 5↑2.1% | 5↑1.8% | 4 | |
| Weighted Average Diluted Shares | 6↑4.2% | 6↑31.0% | 5↑2.1% | 5↑1.8% | 4 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.