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
Interest Income on Loans	53.56	52.71	47.35	38.32	37.03
Interest Income on Investments	23.09	25.65	20.32	12.78	8.8
Total Interest Income	76.65	78.36	67.66	51.1	45.83
Interest Paid on Deposits	27.99	30.49	23.27	7.07	4.71
Interest Paid on Borrowings	4.33	6.88	5.48	2.62	2.82
Total Interest Expense	32.32	37.37	28.74	9.7	7.53
Net Interest Income	44.34	40.99	38.92	41.4	38.3
Net Interest Income Growth (YoY)	8.16%	5.32%	-6.00%	8.12%	21.02%
Gain (Loss) on Sale of Assets	-0.15	3.16	-	-0.25	0.2
Gain (Loss) on Sale of Investments	1.51	0.22	-0.1	0.18	0.42
Other Non-Interest Income	2.72	4.69	3.92	4.72	3.83
Total Non-Interest Income	2.56	9.69	5.25	5.91	6.23
Non-Interest Income Growth (YoY)	-73.63%	84.61%	-11.21%	-5.09%	-3.92%
Revenues Before Loan Losses	46.89	50.68	44.17	47.32	44.53
Provision for Loan Losses	16.4	11.11	2.99	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%
Salaries and Employee Benefits	18.9	17.81	15.45	15.38	13.75
Occupancy Expenses	5.31	4.12	3.34	3.15	2.9
Federal Deposit Insurance	0.6	0.92	0.89	0.61	0.87
Selling, General & Administrative	6.36	7.3	6.13	6.04	6.97
Other Non-Interest Expense	3.3	4.17	3.47	3.63	2.97
Total Non-Interest Expense	34.58	34.42	29.4	28.87	27.5
EBT Excluding Unusual Items	-4.09	5.16	11.78	15.69	16.01
Pretax Income	-4.09	5.16	11.78	15.69	16.01
Income Tax Expense	-0.68	0.33	2.36	2.66	3.5
Earnings From Continuing Operations	-3.42	4.83	9.42	13.03	12.51
Minority Interest in Earnings	-	-1.45	-0.13	-0.1	-0.1
Net Income	-3.42	3.38	9.29	12.93	12.41
Preferred Dividends & Other Adjustments	-	-	2.27	3.21	3.12
Net Income to Common	-3.42	3.38	7.02	9.72	9.29
Net Income Growth	-	-63.60%	-28.14%	4.23%	78.52%
Basic Shares Outstanding	6	6	6	6	5
Diluted Shares Outstanding	6	6	6	6	5
Shares Change (YoY)	1.92%	1.01%	1.58%	13.71%	13.35%
EPS (Basic)	-0.55	0.56	1.16	1.64	1.78
EPS (Diluted)	-0.55	0.56	1.16	1.64	1.78
EPS Growth	-	-52.30%	-28.90%	-7.93%	51.97%
Dividend Per Share	0.400	0.400	0.360	0.360	0.280
Dividend Growth	-	11.11%	-	28.57%	16.67%
Effective Tax Rate	-	6.43%	20.04%	16.93%	21.86%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q