Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	44.34	40.99	38.92	41.4	38.3
Net Interest Income Growth	8.16%	5.32%	-6.00%	8.12%	21.02%
Non-Interest Income	2.5	9.56	5.19	5.91	6.23
Non-Interest Income Growth	-73.90%	84.22%	-12.24%	-5.09%	-3.92%
Revenues Before Loan Losses	46.83	50.55	44.11	47.32	44.53
Provision for Credit Losses	16.34	10.97	2.93	2.75	1.02
Revenue	30.49	39.58	41.18	44.56	43.5
Revenue Growth (YoY)	-22.96%	-3.89%	-7.59%	2.43%	30.17%
Compensation Expenses	18.9	17.81	15.92	16.02	14.38
Selling, General & Admin	12.27	12.33	9.89	9.15	10.1
Other Non-Interest Expenses	3.4	4.27	3.58	3.7	3.01
Total Non-Interest Expense	34.58	34.42	29.4	28.87	27.5
Pretax Income	-4.09	5.16	11.78	15.69	16.01
Provision for Income Taxes	-0.68	0.33	2.36	2.66	3.5
Net Income	-3.42	3.38	9.29	12.93	12.41
Minority Interest in Earnings	-	-1.45	-0.13	-0.1	-0.1
Net Income to Common	-3.42	3.38	9.29	12.93	12.41
Net Income Growth	-	-63.60%	-28.14%	4.23%	78.52%
Shares Outstanding (Basic)	5	5	6	6	6
Shares Outstanding (Diluted)	5	5	6	6	6
Shares Change (YoY)	2.48%	-23.40%	1.37%	1.29%	0.90%
EPS (Basic)	-0.54	0.54	1.51	2.13	2.07
EPS (Diluted)	-0.54	0.54	1.51	2.13	2.07
EPS Growth	-	-64.24%	-29.11%	2.90%	76.92%
Free Cash Flow	16.34	9.15	13.47	16.52	18.94
Free Cash Flow Growth	78.66%	-32.07%	-18.51%	-12.77%	-58.18%
Free Cash Flow Per Share	3.38	1.94	-	-	-
Dividends Per Share	0.400	0.400	0.360	0.360	0.280
Dividend Growth	-	11.11%	-	28.57%	16.67%
Profit Margin	-11.21%	12.20%	22.88%	29.25%	28.76%
FCF Margin	53.60%	23.11%	32.70%	37.08%	43.54%
EBITDA	0	0.95	3.04	3.26	6.22
EBITDA Margin	0.00%	2.41%	7.38%	7.31%	14.29%
Effective Tax Rate	16.52%	6.43%	20.04%	16.93%	21.86%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q