PBHC
PBHC
NASDAQ · Banking

Pathfinder Bancorp Inc

$16.50
-0.03 (-0.18%)
As of Aug 15, 2:19 AM ET ·
Financial Highlights (FY 2026)
Revenue
49.09M
Net Income
-1,934,773
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 49.09M 45.90M 23.28M 24.80M
Gross Profit 10.54M 11.23M
Operating Income 9.76M 11.64M
Net Income -1,934,773 -1,627,987 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 14.00M 14.00M 27.15M 26.02M
Total Equity 36.83M 36.83M 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 23.62M 20.98M 12.83M 13.70M
Free Cash Flow 8.03M 11.25M