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	Sep '26 Sep 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	50.59	53.56	52.71	47.35	38.32	37.03
Interest Income on Investments	21.92	23.09	25.65	20.32	12.78	8.8
Total Interest Income	72.51	76.65	78.36	67.66	51.1	45.83
Interest Paid on Deposits	24.97	27.99	30.49	23.27	7.07	4.71
Interest Paid on Borrowings	5.44	4.33	6.88	5.48	2.62	2.82
Total Interest Expense	30.41	32.32	37.37	28.74	9.7	7.53
Net Interest Income	42.1	44.34	40.99	38.92	41.4	38.3
Net Interest Income Growth	-4.76%	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	0.9	1.51	0.22	-0.1	0.18	0.42
Other Non-Interest Income	2.94	2.72	4.69	3.92	4.72	3.83
Total Non-Interest Income	5.13	2.56	9.69	5.25	5.91	6.23
Non-Interest Income Growth	-13.95%	-73.63%	84.61%	-11.21%	-5.09%	-3.92%
Revenues Before Loan Losses	47.22	46.89	50.68	44.17	47.32	44.53
Provision for Loan Losses	11.17	16.4	11.11	2.99	2.75	1.02
Revenue	36.06	30.49	39.58	41.18	44.56	43.5
Revenue Growth	-18.34%	-22.96%	-3.89%	-7.59%	2.43%	30.17%
Salaries and Employee Benefits	19.06	17.92	17.56	15.45	15.38	13.75
Occupancy Expenses	5.23	5.14	3.92	3.34	3.15	2.9
Federal Deposit Insurance	0.92	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	2.87	3.3	4.17	3.47	3.63	2.97
Total Non-Interest Expense	35.86	34.58	34.42	29.4	28.87	27.5
EBT Excluding Unusual Items	0.2	-4.09	5.16	11.78	15.69	16.01
Pretax Income	0.2	-4.09	5.16	11.78	15.69	16.01
Income Tax Expense	-1.39	-2.16	0.33	2.36	2.66	3.5
Earnings From Continuing Operations	1.59	-1.93	4.83	9.42	13.03	12.51
Minority Interest in Earnings	-	-	-1.45	-0.13	-0.1	-0.1
Net Income	1.59	-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	1.62	-1.9	3.32	9.1	9.72	9.29
Net Income Growth	-78.02%	-	-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	2.04%	1.92%	1.01%	1.58%	13.71%	13.35%
EPS (Basic)	0.26	-0.31	0.54	1.51	1.64	1.78
EPS (Diluted)	0.26	-0.31	0.54	1.51	1.64	1.78
EPS Growth	-78.46%	-	-63.95%	-7.83%	-7.93%	51.97%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 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
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%

SEC Filings: 10-K · 10-Q