PBHC
Income statement / Annual
Last year (2025), Pathfinder Bancorp, Inc.'s total revenue was $79.15 M,
a decrease of 5.19% from the previous year.
In 2025, Pathfinder Bancorp, Inc.'s net income was -$3.42 M.
See Pathfinder Bancorp, Inc.,s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2025
|
FY-2024
|
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
| Period Ended |
12/31/2025 |
12/31/2024 |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
| Operating Revenue |
$79.15 M |
$83.48 M |
$71.82 M |
$56.36 M |
$51.03 M |
$48.25 M |
$45.86 M |
$37.77 M |
$32.57 M |
$28.28 M |
| Cost of Revenue |
$48.66 M
|
$48.34 M
|
$31.67 M
|
$12.45 M
|
$8.55 M
|
$15.57 M
|
$15.49 M
|
$10.54 M
|
$8.06 M
|
$4.76 M
|
| Gross Profit |
$30.49 M
|
$35.14 M
|
$40.15 M
|
$43.91 M
|
$42.48 M
|
$32.68 M
|
$30.37 M
|
$27.23 M
|
$24.51 M
|
$23.52 M
|
| Gross Profit Ratio |
0.39
|
0.42
|
0.56
|
0.78
|
0.83
|
0.68
|
0.66
|
0.72
|
0.75
|
0.83
|
| Research and Development Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative Expenses |
$19.30 M
|
$18.73 M
|
$16.81 M
|
$16.63 M
|
$15.26 M
|
$16.56 M
|
$16.42 M
|
$15.12 M
|
$14.17 M
|
$12.80 M
|
| Selling & Marketing Expenses |
$459.00 K
|
$604.00 K
|
$671.00 K
|
$905.00 K
|
$1.20 M
|
$941.00 K
|
$962.00 K
|
$920.00 K
|
$809.00 K
|
$730.00 K
|
| Selling, General & Administrative Expenses |
$19.76 M
|
$19.33 M
|
$17.48 M
|
$17.53 M
|
$16.46 M
|
$17.50 M
|
$17.38 M
|
$16.04 M
|
$14.98 M
|
$13.53 M
|
| Other Expenses |
$14.82 M
|
$10.65 M
|
$10.89 M
|
$10.69 M
|
$10.01 M
|
$6.83 M
|
$7.53 M
|
$6.63 M
|
$5.18 M
|
$5.58 M
|
| Operating Expenses |
$34.58 M
|
$29.98 M
|
$28.36 M
|
$28.22 M
|
$26.47 M
|
$24.34 M
|
$24.91 M
|
$22.67 M
|
$20.16 M
|
$19.11 M
|
| Cost And Expenses |
$83.24 M
|
$78.32 M
|
$60.04 M
|
$40.67 M
|
$35.02 M
|
$39.91 M
|
$40.41 M
|
$33.22 M
|
$28.22 M
|
$23.87 M
|
| Interest Income |
$76.50 M
|
$77.74 M
|
$67.09 M
|
$50.87 M
|
$45.52 M
|
$42.18 M
|
$41.48 M
|
$34.55 M
|
$29.18 M
|
$23.96 M
|
| Interest Expense |
$32.32 M
|
$37.37 M
|
$28.74 M
|
$9.70 M
|
$7.53 M
|
$10.86 M
|
$13.53 M
|
$9.04 M
|
$6.29 M
|
$3.80 M
|
| Depreciation & Amortization |
$2.15 M
|
$1.34 M
|
$1.34 M
|
$700.00 K
|
$1.82 M
|
$1.38 M
|
$1.56 M
|
$1.20 M
|
$1.08 M
|
$1.05 M
|
| EBITDA |
-$1.94 M |
$6.50 M |
$13.12 M |
$16.39 M |
$17.83 M |
$9.72 M |
$7.01 M |
$5.76 M |
$5.42 M |
$5.46 M |
| EBITDA Ratio |
-0.02
|
0.08
|
0.18
|
0.29
|
0.35
|
0.2
|
0.15
|
0.15
|
0.17
|
0.19
|
| Operating Income Ratio |
-0.05
|
0.06
|
0.16
|
0.28
|
0.31
|
0.17
|
0.12
|
0.12
|
0.13
|
0.16
|
| Total Other Income/Expenses Net |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Income Before Tax |
-$4.09 M
|
$5.16 M
|
$11.78 M
|
$15.69 M
|
$16.01 M
|
$8.34 M
|
$5.45 M
|
$4.56 M
|
$4.35 M
|
$4.41 M
|
| Income Before Tax Ratio |
-0.05
|
0.06
|
0.16
|
0.28
|
0.31
|
0.17
|
0.12
|
0.12
|
0.13
|
0.16
|
| Income Tax Expense |
-$676.00 K
|
$332.00 K
|
$2.36 M
|
$2.66 M
|
$3.50 M
|
$1.30 M
|
$1.17 M
|
$546.00 K
|
$922.00 K
|
$1.11 M
|
| Net Income |
-$3.42 M
|
$3.38 M
|
$9.29 M
|
$12.93 M
|
$12.41 M
|
$6.95 M
|
$4.28 M
|
$4.03 M
|
$3.49 M
|
$3.27 M
|
| Net Income Ratio |
-0.04
|
0.04
|
0.13
|
0.23
|
0.24
|
0.14
|
0.09
|
0.11
|
0.11
|
0.12
|
| EPS |
-0.54 |
0.42 |
1.51 |
2.13 |
2.07 |
1.19 |
0.8 |
0.97 |
0.74 |
0.79 |
| EPS Diluted |
-0.54 |
0.42 |
1.51 |
2.13 |
2.07 |
1.19 |
0.8 |
0.94 |
0.72 |
0.78 |
| Weighted Average Shares Out |
$6.29 M
|
$6.09 M
|
$4.65 M
|
$4.56 M
|
$4.48 M
|
$4.53 M
|
$4.46 M
|
$4.17 M
|
$4.08 M
|
$4.11 M
|
| Weighted Average Shares Out Diluted |
$6.35 M
|
$6.09 M
|
$4.65 M
|
$4.56 M
|
$4.48 M
|
$4.53 M
|
$4.46 M
|
$4.27 M
|
$4.19 M
|
$4.19 M
|
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