Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	54.73	52.71	47.35	38.32	37.03	35.42
Interest Income on Investments	24.62	25.65	20.32	12.78	8.8	7.09
Total Interest Income	79.35	78.36	67.66	51.1	45.83	42.51
Interest Paid on Deposits	29.72	30.49	23.27	7.07	4.71	8.11
Interest Paid on Borrowings	5.3	6.88	5.48	2.62	2.82	2.75
Total Interest Expense	35.01	37.37	28.74	9.7	7.53	10.86
Net Interest Income	44.33	40.99	38.92	41.4	38.3	31.64
Net Interest Income Growth (YoY)	16.36%	5.32%	-6.00%	8.12%	21.02%	12.09%
Gain (Loss) on Sale of Assets	3.16	3.16	-	-0.25	0.2	-
Gain (Loss) on Sale of Investments	0.95	0.22	-0.1	0.18	0.42	0.45
Other Non-Interest Income	0.52	4.69	3.92	4.72	3.83	3.46
Total Non-Interest Income	6.45	9.69	5.25	5.91	6.23	6.49
Non-Interest Income Growth (YoY)	17.85%	84.61%	-11.21%	-5.09%	-3.92%	31.89%
Revenues Before Loan Losses	50.78	50.68	44.17	47.32	44.53	38.13
Provision for Loan Losses	11.77	11.11	2.99	2.75	1.02	4.71
Revenue	39.02	39.58	41.18	44.56	43.5	33.42
Revenue Growth (YoY)	-5.86%	-3.89%	-7.59%	2.43%	30.17%	7.18%
Salaries and Employee Benefits	17.81	17.56	15.45	15.38	13.75	12.87
Occupancy Expenses	4.77	3.92	3.34	3.15	2.9	2.77
Federal Deposit Insurance	0.69	0.92	0.89	0.61	0.87	0.7
Selling, General & Administrative	8	7.75	6.13	6.04	6.97	5.89
Other Non-Interest Expense	3.93	4.17	3.47	3.63	2.97	2.8
Total Non-Interest Expense	35.3	34.42	29.4	28.87	27.5	25.08
EBT Excluding Unusual Items	3.72	5.16	11.78	15.69	16.01	8.34
Pretax Income	3.72	5.16	11.78	15.69	16.01	8.34
Income Tax Expense	0.07	0.33	2.36	2.66	3.5	1.3
Earnings From Continuing Operations	3.65	4.83	9.42	13.03	12.51	7.05
Minority Interest in Earnings	-1.38	-1.45	-0.13	-0.1	-0.1	-0.1
Net Income	2.27	3.38	9.29	12.93	12.41	6.95
Preferred Dividends & Other Adjustments	0.82	0.82	2.27	3.21	3.12	1.55
Net Income to Common	1.45	2.57	7.02	9.72	9.29	5.41
Net Income Growth	-74.32%	-63.60%	-28.14%	4.23%	78.52%	62.53%
Basic Shares Outstanding	6	6	6	6	5	5
Diluted Shares Outstanding	6	6	6	6	5	5
Shares Change (YoY)	0.80%	1.01%	1.58%	13.71%	13.35%	3.23%
EPS (Basic)	0.24	0.42	1.16	1.64	1.78	1.17
EPS (Diluted)	0.24	0.42	1.16	1.64	1.78	1.17
EPS Growth	-78.11%	-63.84%	-28.90%	-7.93%	51.97%	46.25%
Dividend Per Share	0.400	0.400	0.360	0.360	0.280	0.240
Dividend Growth	5.26%	11.11%	-	28.57%	16.67%	-
Effective Tax Rate	1.88%	6.43%	20.04%	16.93%	21.86%	15.53%

Updated May 15, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q