$13.65
+0.59%Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
Strong gross margins indicate healthy pricing and efficient production or service delivery.
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
PBHC โข NASDAQ
| Pathfinder Bancorp, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
79.1M | 83.5M | 71.8M | 56.4M | 51M | 48.2M | 45.9M | 37.8M | 32.6M | 28.3M | 25.6M | 23.5M | 22.3M | 21.8M | 21.8M | 21.2M | 20.7M | 21.2M | 20.4M | 18.5M | |
GROSS PROFIT | ||||||||||||||||||||
(48.7M) | (48.3M) | (31.7M) | (12.4M) | (8.6M) | (15.6M) | (15.5M) | (10.5M) | (8.1M) | (4.8M) | (4M) | (3.8M) | (4.3M) | (4.7M) | (5.3M) | (5.9M) | (6.9M) | (8.5M) | (9M) | (7.6M) | |
30.5M | 35.1M | 40.1M | 43.9M | 42.5M | 32.7M | 30.4M | 27.2M | 24.5M | 23.5M | 21.6M | 19.6M | 18M | 17.1M | 16.5M | 15.3M | 13.8M | 12.7M | 11.3M | 10.9M | |
OPERATING INCOME | ||||||||||||||||||||
(34.6M) | (30M) | (28.4M) | (28.2M) | (26.5M) | (24.3M) | (24.9M) | (22.7M) | (20.2M) | (19.1M) | (17.6M) | (15.7M) | (14.8M) | (13.5M) | (13.1M) | (11.8M) | (11.1M) | (12.2M) | (9.8M) | (9.7M) | |
(19.8M) | (19.3M) | (17.5M) | (17.5M) | (16.5M) | (17.5M) | (17.4M) | (16M) | (15M) | (13.5M) | (12.2M) | (11.3M) | (10.5M) | (9.7M) | (9.3M) | (8M) | (6.9M) | (6.5M) | (5.1M) | (5M) | |
-4.1M | 5.2M | 11.8M | 15.7M | 16M | 8.3M | 5.4M | 4.6M | 4.3M | 4.4M | 4M | 4M | 3.3M | 3.6M | 3.4M | 3.5M | 2.7M | 471K | 1.5M | 1.3M | |
PRE-TAX INCOME | ||||||||||||||||||||
(32.3M) | (37.4M) | (28.7M) | (9.7M) | (7.5M) | (10.9M) | (13.5M) | (9M) | (6.3M) | (3.8M) | (2.7M) | (2.6M) | (3.3M) | (3.9M) | (4.3M) | (4.8M) | (6M) | (7.7M) | (8.6M) | (7.5M) | |
44.2M | 40.4M | 38.3M | 41.2M | 38M | 31.3M | 28M | 25.5M | 22.9M | 20.2M | 18.6M | 16.9M | 15.4M | 14.7M | 14.1M | 13.1M | 11.4M | 10.3M | 8.7M | 8.3M | |
(14.8M) | (10.7M) | (10.9M) | (10.7M) | (10M) | (6.8M) | (7.5M) | (6.6M) | (5.2M) | (5.6M) | (5.4M) | (4.4M) | (4.3M) | (3.8M) | (3.8M) | (3.8M) | (4.2M) | (5.7M) | (4.7M) | (4.7M) | |
-4.1M | 5.2M | 11.8M | 15.7M | 16M | 8.3M | 5.5M | 4.6M | 4.3M | 4.4M | 4M | 4M | 3.3M | 3.6M | 3.4M | 3.5M | 2.7M | 471K | 1.5M | 1.3M | |
NET INCOME | ||||||||||||||||||||
-676K | (332K) | (2.4M) | (2.7M) | (3.5M) | (1.3M) | (1.2M) | (546K) | (922K) | (1.1M) | (1.1M) | (1.2M) | (847K) | (929K) | (1M) | (1M) | (1.1M) | (103K) | (384K) | (242K) | |
-3.4M | 3.4M | 9.3M | 12.9M | 12.4M | 7M | 4.3M | 4M | 3.5M | 3.3M | 2.9M | 2.7M | 2.4M | 2.6M | 2.3M | 2.5M | 1.6M | 368K | 1.1M | 1M |
PBHC - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 15, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 30, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 30, 2026 | March 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 27, 2026 | February 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 29, 2026 | January 29, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 22, 2025 | December 22, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 14, 2025 | September 30, 2025 | 2025 |
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