PBHC
Pathfinder Bancorp Inc
NASDAQ: PBHC · FINANCIAL SERVICES · BANKS - REGIONAL
$13.90
+2.21% today
Updated 2026-04-30
Market cap
$83.84M
P/E ratio
—
P/S ratio
2.75x
EPS (TTM)
$-0.31
Dividend yield
2.99%
52W range
$12 – $16
Volume
0.0M
Pathfinder Bancorp Inc (PBHC) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $18.50M | $20.35M | $21.15M | $20.70M | $21.16M | $21.80M | $21.83M | $22.30M | $23.46M | $25.60M | $28.28M | $32.57M | $37.77M | $45.86M | $48.25M | $51.03M | $56.36M | $71.82M | $83.48M | $79.15M |
| Revenue growth (YoY) | — | +10.0% | +3.9% | -2.2% | +2.2% | +3.0% | +0.1% | +2.2% | +5.2% | +9.1% | +10.5% | +15.2% | +16.0% | +21.4% | +5.2% | +5.8% | +10.4% | +27.4% | +16.2% | -5.2% |
| Cost of revenue | $7.57M | $9.01M | $8.49M | $6.91M | $5.86M | $5.28M | $4.73M | $4.30M | $3.82M | $4.01M | $4.76M | $8.06M | $10.54M | $15.49M | $15.57M | $8.55M | $12.45M | $31.67M | $48.34M | $48.66M |
| Gross profit | $10.94M | $11.34M | $12.66M | $13.79M | $15.30M | $16.52M | $17.09M | $18.00M | $19.64M | $21.59M | $23.52M | $24.51M | $27.23M | $30.36M | $32.68M | $42.48M | $43.91M | $40.15M | $35.14M | $30.49M |
| Gross margin | 59.1% | 55.7% | 59.8% | 66.6% | 72.3% | 75.8% | 78.3% | 80.7% | 83.7% | 84.3% | 83.2% | 75.3% | 72.1% | 66.2% | 67.7% | 83.2% | 77.9% | 55.9% | 42.1% | 38.5% |
| R&D | — | — | — | — | $0.00 | — | $0.00 | $0.00 | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $5.01M | $5.09M | $6.50M | $6.88M | $7.75M | $8.86M | $9.24M | $9.94M | $10.74M | $11.70M | $12.80M | $14.17M | $15.12M | $16.42M | $16.56M | $15.26M | $16.63M | $16.80M | $18.73M | $19.30M |
| Operating income | $1.27M | $1.51M | $471000.00 | $2.67M | $3.51M | $3.37M | $3.58M | $3.25M | $3.95M | $4.00M | $4.41M | $4.34M | $4.55M | $5.45M | $8.34M | $16.01M | $15.69M | $11.78M | $5.16M | $-4.09M |
| Operating margin | 6.9% | 7.4% | 2.2% | 12.9% | 16.6% | 15.4% | 16.4% | 14.6% | 16.9% | 15.6% | 15.6% | 13.3% | 12.1% | 11.9% | 17.3% | 31.4% | 27.8% | 16.4% | 6.2% | -5.2% |
| EBITDA | $2.53M | $2.63M | $1.17M | $3.32M | $4.18M | $4.12M | $4.37M | $3.98M | $4.79M | $5.03M | $5.46M | $5.42M | $5.76M | $7.01M | $9.72M | $17.83M | $16.39M | $13.12M | $6.50M | $-1.94M |
| EBITDA margin | 13.7% | 12.9% | 5.5% | 16.1% | 19.8% | 18.9% | 20.0% | 17.8% | 20.4% | 19.7% | 19.3% | 16.7% | 15.3% | 15.3% | 20.1% | 34.9% | 29.1% | 18.3% | 7.8% | -2.5% |
| EBIT | $1.27M | $1.51M | $471000.00 | $2.67M | $3.51M | $3.37M | $3.58M | $3.25M | $3.95M | $4.00M | $4.41M | $4.34M | $4.57M | $5.45M | $8.34M | $16.01M | $15.69M | $11.78M | $5.16M | $-4.09M |
| Interest expense | $7.54M | $8.64M | $7.67M | $6.03M | $4.81M | $4.34M | $3.91M | $3.26M | $2.61M | $2.66M | $3.80M | $6.29M | $9.04M | $13.53M | $10.86M | $7.53M | $9.70M | $28.74M | $37.37M | $32.32M |
| Income tax | $242000.00 | $384000.00 | $103000.00 | $1.05M | $1.01M | $1.04M | $929000.00 | $847000.00 | $1.15M | $1.07M | $1.11M | $922000.00 | $546000.00 | $1.17M | $1.29M | $3.50M | $2.66M | $2.36M | $332000.00 | $-676000.00 |
| Effective tax rate | 19.1% | 25.5% | 21.9% | 39.4% | 28.7% | 31.0% | 26.0% | 26.0% | 29.6% | 27.0% | 25.3% | 20.9% | 11.9% | 21.4% | 15.7% | 22.0% | 17.0% | 20.3% | 8.9% | 16.5% |
| Net income | $1.03M | $1.12M | $368000.00 | $1.61M | $2.50M | $2.32M | $2.65M | $2.41M | $2.75M | $2.89M | $3.27M | $3.49M | $4.03M | $4.28M | $6.95M | $12.41M | $12.93M | $9.29M | $3.38M | $-3.42M |
| Net income growth (YoY) | — | +9.1% | -67.2% | +338.9% | +55.1% | -7.3% | +14.0% | -9.1% | +14.1% | +5.2% | +13.3% | +6.7% | +15.5% | +6.1% | +62.5% | +78.5% | +4.2% | -28.1% | -63.6% | -201.0% |
| Profit margin | 5.6% | 5.5% | 1.7% | 7.8% | 11.8% | 10.7% | 12.1% | 10.8% | 11.7% | 11.3% | 11.6% | 10.7% | 10.7% | 9.3% | 14.4% | 24.3% | 22.9% | 12.9% | 4.1% | -4.3% |