PBHC
PBHC
NASDAQ · Banking

Pathfinder Bancorp Inc

$15.88
-0.33 (-2.04%)
As of Jun 30, 10:36 PM ET ·
Financial Highlights (FY 2026)
Revenue
48.90M
Net Income
-1,927,405
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 48.90M 45.72M 23.28M 24.80M
Gross Profit 10.54M 11.23M
Operating Income 9.76M 11.64M
Net Income -1,927,405 -1,621,788 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 13.86M 13.86M 27.15M 26.02M
Total Equity 36.47M 36.47M 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 23.53M 20.90M 12.83M 13.70M
Free Cash Flow 8.03M 11.25M