Pathfinder Bancorp Inc.

PBHC | NASDAQ

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$17.30

-$0.72 (-4.00%)

At close: Sep 21, 2026, 4:00 PM ET

$18.11

+$0.81 (+4.68%)

After-hours: Sep 21, 2026, 4:24 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Year Period Ending	FY 2025 Dec 30, 2025	FY 2024 Dec 30, 2024	FY 2023 Dec 30, 2023	FY 2022 Dec 30, 2022	FY 2021 Dec 30, 2021	FY 2020 Dec 30, 2020
Revenue	79.15M	83.48M	71.82M	56.36M	51.03M	48.25M
Cost of Revenue	48.66M	48.34M	31.67M	12.45M	8.55M	15.57M
Gross Profit	30.49M	35.14M	40.15M	43.91M	42.48M	32.68M
Operating Income	-4.09M	5.16M	11.78M	15.69M	16.01M	8.34M
Interest Income	76.5M	77.74M	67.09M	50.87M	45.52M	42.18M
Pretax Income	-4.09M	5.16M	11.78M	15.69M	16.01M	8.34M
Net Income	-3.42M	3.38M	9.29M	12.93M	12.41M	6.95M
Selling & General & Admin	19.76M	19.33M	17.48M	17.53M	16.46M	17.5M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	14.82M	10.65M	10.89M	10.69M	10.01M	6.83M
Operating Expenses	34.58M	29.98M	28.36M	28.22M	26.47M	24.34M
Interest Expense	32.32M	37.37M	28.74M	9.7M	7.53M	10.86M
Selling & Marketing Expenses	459K	604K	671K	905K	1.2M	941K
Cost & Expenses	83.24M	78.32M	60.04M	40.67M	35.02M	39.91M
Income Tax Expense	-676K	332K	2.36M	2.66M	3.5M	1.3M
Shares Outstanding (Basic)	6.29M	6.09M	4.65M	4.56M	4.48M	4.53M
Shares Outstanding (Diluted)	6.35M	6.09M	4.65M	4.56M	4.48M	4.53M
EPS (Basic)	-0.54	0.42	1.51	2.13	2.07	1.19
EPS (Diluted)	-0.54	0.42	1.51	2.13	2.07	1.19
EBITDA	-1.94M	6.5M	13.12M	16.39M	17.83M	9.72M
EBIT	-4.09M	5.16M	11.78M	15.69M	16.01M	8.34M
Depreciation & Amortization	2.15M	1.34M	1.34M	700K	1.82M	1.38M