PBHC
NASDAQ · Banking
Pathfinder Bancorp Inc
$12.75
-0.37 (-2.82%)
Financial Highlights (FY 2026)
Revenue
48.43M
Net Income
3.37M
Gross Margin
—
Profit Margin
27.5%
Rev Growth
+7.0%
D/E Ratio
0.39
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 | 48.43M | 45.28M | 23.28M | 24.80M |
| Gross Profit | — | — | 10.54M | 11.23M |
| Operating Income | — | — | 9.76M | 11.64M |
| Net Income | 3.37M | 2.84M | 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 | 10.96M | 10.96M | 27.15M | 26.02M |
| Total Equity | 28.41M | 28.41M | 49.07M | 48.80M |
| D/E Ratio | 0.39 | 0.39 | 0.55 | 0.53 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 6.49M | 5.76M | 12.83M | 13.70M |
| Free Cash Flow | — | — | 8.03M | 11.25M |