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.
Profit margin
-6.34%
Operating margin
-1,317.00%
ROE
-1.59%
ROA
-0.13%
Debt/equity
0.89x
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $18.50M | $1.03M | 59.11% | 6.86% | 5.56% |
| 2007 | $20.35M | $1.12M | 55.74% | 7.40% | 5.51% |
| 2008 | $21.15M | $368000.00 | 59.84% | 2.23% | 1.74% |
| 2009 | $20.70M | $1.61M | 66.64% | 12.88% | 7.80% |
| 2010 | $21.16M | $2.50M | 72.31% | 16.60% | 11.84% |
| 2011 | $21.80M | $2.32M | 75.77% | 15.45% | 10.66% |
| 2012 | $21.83M | $2.65M | 78.32% | 16.39% | 12.13% |
| 2013 | $22.30M | $2.41M | 80.73% | 14.58% | 10.79% |
| 2014 | $23.46M | $2.75M | 83.72% | 16.86% | 11.70% |
| 2015 | $25.60M | $2.89M | 84.35% | 15.64% | 11.29% |
| 2016 | $28.28M | $3.27M | 83.18% | 15.59% | 11.57% |
| 2017 | $32.57M | $3.49M | 75.25% | 13.34% | 10.72% |
| 2018 | $37.77M | $4.03M | 72.09% | 12.06% | 10.67% |
| 2019 | $45.86M | $4.28M | 66.21% | 11.89% | 9.32% |
| 2020 | $48.25M | $6.95M | 67.73% | 17.29% | 14.40% |
| 2021 | $51.03M | $12.41M | 83.24% | 31.37% | 24.31% |
| 2022 | $56.36M | $12.93M | 77.91% | 27.84% | 22.95% |
| 2023 | $71.82M | $9.29M | 55.90% | 16.41% | 12.94% |
| 2024 | $83.48M | $3.38M | 42.09% | 6.18% | 4.05% |
| 2025 | $79.15M | $-3.42M | 38.52% | -5.17% | -4.32% |