Pathfinder Bancorp, Inc. (PBHC)

NASDAQ: PBHC · Real-Time Price · USD

14.05

-0.05 (-0.39%)

At close: May 6, 2026, 4:00 PM EDT

14.01

-0.04 (-0.25%)

After-hours: May 6, 2026, 4:10 PM EDT

Pathfinder Bancorp Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	43.26	44.34	40.99	38.92	41.4	38.3
Net Interest Income Growth	0.61%	8.16%	5.32%	-6.00%	8.12%	21.02%
Non-Interest Income	2.43	2.5	9.56	5.19	5.91	6.23
Non-Interest Income Growth	-73.19%	-73.90%	84.22%	-12.24%	-5.09%	-3.92%
Revenues Before Loan Losses	45.69	46.83	50.55	44.11	47.32	44.53
Provision for Credit Losses	15.72	16.34	10.97	2.93	2.75	1.02
Revenue	29.97	30.49	39.58	41.18	44.56	43.5
Revenue Growth (YoY)	-27.50%	-22.96%	-3.89%	-7.59%	2.43%	30.17%
Compensation Expenses	19.31	18.9	17.81	15.92	16.02	14.38
Selling, General & Admin	12.34	12.27	12.33	9.89	9.15	10.1
Other Non-Interest Expenses	3.19	3.4	4.27	3.58	3.7	3.01
Total Non-Interest Expense	34.84	34.58	34.42	29.4	28.87	27.5
Pretax Income	-4.87	-4.09	5.16	11.78	15.69	16.01
Provision for Income Taxes	-2.37	-2.16	0.33	2.36	2.66	3.5
Net Income	-2.49	-1.93	3.38	9.29	12.93	12.41
Minority Interest in Earnings	-	-	-1.45	-0.13	-0.1	-0.1
Net Income to Common	-2.49	-1.93	3.38	9.29	12.93	12.41
Net Income Growth	-	-	-63.60%	-28.14%	4.23%	78.52%
Shares Outstanding (Basic)	0	5	5	6	6	6
Shares Outstanding (Diluted)	0	5	5	6	6	6
Shares Change (YoY)	-99.88%	2.48%	-23.40%	1.37%	1.29%	0.90%
EPS (Basic)	-0.41	-0.31	0.54	1.51	2.13	2.07
EPS (Diluted)	-0.40	-0.31	0.54	1.51	2.13	2.07
EPS Growth	-	-	-64.24%	-29.11%	2.90%	76.92%
Shares Outstanding	6.26	6.19	6.13	6.1	6.03	5.98
Free Cash Flow	-	10.42	9.15	13.47	16.52	18.94
Free Cash Flow Growth	-	13.88%	-32.07%	-18.51%	-12.77%	-58.18%
Free Cash Flow Per Share	-	2.16	1.94	2.19	2.72	3.16
Dividends Per Share	0.400	0.400	0.400	0.360	0.360	0.280
Dividend Growth	-	-	11.11%	-	28.57%	16.67%
Profit Margin	-8.32%	-6.34%	12.20%	22.88%	29.25%	28.76%
FCF Margin	-	34.17%	23.11%	32.70%	37.08%	43.54%
EBITDA	-	2.52	0.95	3.04	3.26	6.22
EBITDA Margin	-	8.26%	2.41%	7.38%	7.31%	14.29%
Effective Tax Rate	48.77%	52.77%	6.43%	20.04%	16.93%	21.86%

Updated Apr 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q