Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHCยทNASDAQ

$13.65

+0.59%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$84.35M
EPS-0.5400
P/E Ratio-25.28
Earnings Date04/29/2026
3Y+40.0%
5Y+64.0%
10Y+180.0%
3Y-126.0%
5Y-149.0%
10Y-204.0%
3Y-46.0%
5Y-75.0%
10Y+83.0%
Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. Profit Bridge

PBHC ยท NASDAQ
Revenue79.15M
Cost of Goods Sold (48.66M)
Gross Profit30.49M
Operating Expenses (34.58M)
Operating Income-4.09M
Interest Expense (32.32M)
Other Income/Expense0.00
Pretax Income-4.09M
Income Tax (-676.00K)
Net Income-3.42M
Net Income
-3.42M

Profitability Analysis

Gross Margin

38.5%

Strong gross margins indicate healthy pricing and efficient production or service delivery.

Operating Margin

-5.2%

Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.

Net Profit Margin

-4.3%

Net losses indicate the company is burning cash. Sustainability depends on path to profitability.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Pathfinder Bancorp, Inc. Income Statement

PBHC โ€ข NASDAQ

Pathfinder Bancorp, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

SEC Filings

PBHC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 232 filings