PBHC
PBHC
NASDAQ · Banking

Pathfinder Bancorp Inc

$17.20
-0.15 (-0.85%)
As of Sep 28, 10:25 PM ET ·
Financial Highlights (FY 2026)
Revenue
50.02M
Net Income
-1,971,493
Gross Margin
—
Profit Margin
27.5%
Rev Growth
+7.0%
D/E Ratio
0.38
Revenue & Net Income
Margin Trends
FY 2026 FY 2025 FY 2024 FY 2023
Gross Margin — — 45.3% 45.3%
Operating Margin — — 41.9% 46.9%
Profit Margin 27.5% 26.2% 30.7% 34.3%
Income Statement
FY 2026 FY 2025 FY 2024 FY 2023
Revenue 50.02M 46.77M 23.28M 24.80M
Gross Profit — — 10.54M 11.23M
Operating Income — — 9.76M 11.64M
Net Income -1,971,493 -1,658,885 7.14M 8.50M
Gross Margin — — 45.3% 45.3%
Operating Margin — — 41.9% 46.9%
Profit Margin 27.5% 26.2% 30.7% 34.3%
Rev Growth +7.0% +7.0% -7.6% +2.1%
Balance Sheet
FY 2026 FY 2025 FY 2024 FY 2023
Total Debt 15.00M 15.00M 27.15M 26.02M
Total Equity 39.47M 39.47M 49.07M 48.80M
D/E Ratio 0.38 0.38 0.55 0.53
Cash Flow
FY 2026 FY 2025 FY 2024 FY 2023
EBITDA 24.07M 21.38M 12.83M 13.70M
Free Cash Flow — — 8.03M 11.25M