Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
16.33
-0.20 (-1.21%)
At close: Aug 19, 2026, 4:00 PM EDT
16.33
0.00 (0.00%)
After-hours: Aug 19, 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 | Jun '26 Jun 30, 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 |
Interest Income on Loans | 51.71 | 53.56 | 52.71 | 47.35 | 38.32 | 37.03 |
Interest Income on Investments | 21.89 | 23.09 | 25.65 | 20.32 | 12.78 | 8.8 |
Total Interest Income | 73.6 | 76.65 | 78.36 | 67.66 | 51.1 | 45.83 |
Interest Paid on Deposits | 26.04 | 27.99 | 30.49 | 23.27 | 7.07 | 4.71 |
Interest Paid on Borrowings | 4.57 | 4.33 | 6.88 | 5.48 | 2.62 | 2.82 |
Total Interest Expense | 30.61 | 32.32 | 37.37 | 28.74 | 9.7 | 7.53 |
Net Interest Income | 42.99 | 44.34 | 40.99 | 38.92 | 41.4 | 38.3 |
Net Interest Income Growth | -3.04% | 8.16% | 5.32% | -6.00% | 8.12% | 21.02% |
Gain (Loss) on Sale of Assets | -0.15 | -0.15 | 3.16 | - | -0.25 | 0.2 |
Gain (Loss) on Sale of Investments | 0.92 | 1.51 | 0.22 | -0.1 | 0.18 | 0.42 |
Other Non-Interest Income | 2.91 | 2.72 | 4.69 | 3.92 | 4.72 | 3.83 |
Total Non-Interest Income | 5.16 | 2.56 | 9.69 | 5.25 | 5.91 | 6.23 |
Non-Interest Income Growth | -20.00% | -73.63% | 84.61% | -11.21% | -5.09% | -3.92% |
Revenues Before Loan Losses | 48.15 | 46.89 | 50.68 | 44.17 | 47.32 | 44.53 |
Provision for Loan Losses | 14.36 | 16.4 | 11.11 | 2.99 | 2.75 | 1.02 |
| 33.79 | 30.49 | 39.58 | 41.18 | 44.56 | 43.5 | |
Revenue Growth | -13.40% | -22.96% | -3.89% | -7.59% | 2.43% | 30.17% |
Salaries and Employee Benefits | 18.45 | 17.92 | 17.56 | 15.45 | 15.38 | 13.75 |
Occupancy Expenses | 5.27 | 5.14 | 3.92 | 3.34 | 3.15 | 2.9 |
Federal Deposit Insurance | 0.81 | 0.6 | 0.92 | 0.89 | 0.61 | 0.87 |
Selling, General & Administrative | 7.65 | 7.51 | 7.75 | 6.13 | 6.04 | 6.97 |
Other Non-Interest Expense | 3.17 | 3.3 | 4.17 | 3.47 | 3.63 | 2.97 |
Total Non-Interest Expense | 35.44 | 34.58 | 34.42 | 29.4 | 28.87 | 27.5 |
EBT Excluding Unusual Items | -1.65 | -4.09 | 5.16 | 11.78 | 15.69 | 16.01 |
Pretax Income | -1.65 | -4.09 | 5.16 | 11.78 | 15.69 | 16.01 |
Income Tax Expense | -1.8 | -2.16 | 0.33 | 2.36 | 2.66 | 3.5 |
Earnings From Continuing Operations | 0.14 | -1.93 | 4.83 | 9.42 | 13.03 | 12.51 |
Minority Interest in Earnings | - | - | -1.45 | -0.13 | -0.1 | -0.1 |
Net Income | 0.14 | -1.93 | 3.38 | 9.29 | 12.93 | 12.41 |
Preferred Dividends & Other Adjustments | -0.04 | -0.04 | 0.07 | 0.19 | 3.21 | 3.12 |
Net Income to Common | 0.18 | -1.9 | 3.32 | 9.1 | 9.72 | 9.29 |
Net Income Growth | -92.69% | - | -63.58% | -6.38% | 4.70% | 71.82% |
Basic Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 5 |
Diluted Shares Outstanding | 6 | 6 | 6 | 6 | 6 | 5 |
Shares Change | 1.86% | 1.92% | 1.01% | 1.58% | 13.71% | 13.35% |
EPS (Basic) | 0.03 | -0.31 | 0.54 | 1.51 | 1.64 | 1.78 |
EPS (Diluted) | 0.03 | -0.31 | 0.54 | 1.51 | 1.64 | 1.78 |
EPS Growth | -92.82% | - | -63.95% | -7.83% | -7.93% | 51.97% |
Dividend Per Share | 0.400 | 0.400 | 0.400 | 0.360 | 0.360 | 0.280 |
Dividend Growth | 0% | 0% | 11.11% | 0% | 28.57% | 16.67% |
Effective Tax Rate | - | - | 6.43% | 20.04% | 16.93% | 21.86% |