What is Pathfinder Bancorp's revenue?

Pathfinder Bancorp (PBHC) generated $45.7M in revenue over the trailing twelve months, down 12.2% year over year.

Is Pathfinder Bancorp profitable?

Pathfinder Bancorp is not currently profitable: it reported a net loss of $2.5M over the trailing twelve months, a -5.5% net margin.

Where does Pathfinder Bancorp's income statement data come from?

Every line is extracted from Pathfinder Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Pathfinder Bancorp PBHC Income Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY

Simplified Detailed

	FY'25	FY'24	FY'23	FY'22
Net interest income	$44.34M+8.2%	$40.99M+5.3%	$38.92M-6.0%	$41.4M+8.1%
Net interest income after provision for credit losses	$28.68M-4.5%	$30.02M-16.6%	$35.99M-6.9%	$38.65M+3.7%
Total noninterest income	$2.5M-73.9%	$9.56M+84.2%	$5.19M-12.2%	$5.91M-5.1%
Total interest income	$76.65M-2.2%	$78.36M+15.8%	$67.66M+32.4%	$51.1M+11.5%
Total revenue	$46.83M-7.4%	$50.55M+14.6%	$44.11M-6.8%	$47.32M+6.3%
Total interest expense (banking)	$387K-47.2%	$733K-13.8%	$850K+50.7%	$564K-44.6%
General and administrative	$475K-11.9%	$539K-26.7%	$735K+6.8%	$688K-5.1%
Compensation and benefits	——	——	——	——
Occupancy and equipment	$5.31M+29.0%	$4.12M+15.6%	$3.56M+5.4%	$3.38M+8.3%
Professional fees	$2.75M-25.4%	$3.69M+82.6%	$2.02M+32.1%	$1.53M-6.1%
Advertising	$459K-24.0%	$604K-10.0%	$671K-25.9%	$905K-24.5%
Depreciation and amortization	——	——	——	——
Provision for credit losses	$16.34M+48.9%	$10.97M+275%	$2.93M+8.6%	$2.7M+164%
Other operating expenses	$2.6M+5.4%	$2.47M+10.1%	$2.24M-8.6%	$2.45M+27.7%
Total noninterest expense	$34.58M+0.5%	$34.42M+17.1%	$29.4M+1.8%	$28.87M+5.0%
Interest expense	$32.32M-13.5%	$37.37M+30.0%	$28.74M+196%	$9.7M+28.7%
Interest income	$53.56M+1.6%	$52.71M+11.3%	$47.35M+23.6%	$38.32M+3.5%
Other income (expense), net	——	——	——	——
Gain (loss) on disposal of assets	-$23K—	——	$62K+137%	-$169K—
Net investment gains (losses)	$1.45M+636%	$197K+177%	-$255K—	——
Income before income taxes	-$4.09M-179%	$5.16M-56.2%	$11.78M-24.9%	$15.69M-2.0%
Income tax expense	-$2.16M-751%	$332K-85.9%	$2.36M-11.1%	$2.66M-24.1%
Net income	-$1.93M-157%	$3.38M-63.6%	$9.29M-28.1%	$12.93M+4.2%
Net margin	-4.1%-10.8pp	6.7%-14.4pp	21.1%-6.3pp	27.3%-0.5pp
Salaries And Wages	$18.9M+6.1%	$17.81M+11.9%	$15.92M-0.6%	$16.02M+11.4%
Share-based compensation expense related to employee stock plans	——	——	——	——
Advertising costs	$459K-24.0%	$604K-10.0%	$671K-25.9%	$905K-24.5%
Allowance For Loan And Lease Losse Write Offs Net	$3.98M—	——	$69K—	——
Amortization Accretion Of Deferred Loan Costs	——	——	——	——
Amortization Accretion Of Mortgage Servicing Rights	——	——	——	——
Amortization Expense	$627K+114%	$293K—	——	——
Amortization Of Debt Discount Premium	——	——	——	——
Amortization Of Financing Cost From Subordinated Debt	——	——	——	——
Amortization of capitalized software and acquired intangible assets	$573K+122%	$258K+1,513%	$16K0.0%	$16K0.0%
Amortization Of Operating Leases	——	——	——	——
Available For Sale Investment Securities Aggregate Fair Value And Amortized Historical Cost Percentage	——	——	——	——
Available For Sale Investment Securities Decline In Fair Value And Amortized Historical Cost	——	——	——	——
Bank Owned Life Insurance Income Operating Activities	——	——	——	——
Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Period Increase (Decrease), Including Exchange Rate Effect and Discontinued Operation	——	——	——	——
Dividends declared (in dollars per share)	$0.400.0%	$0.40+11.1%	$0.360.0%	$0.36+28.6%
Community Service Activities	$70K-46.2%	$130K-35.0%	$200K-25.1%	$267K+21.4%
Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest	——	——	——	——
Redemption of OP Units and DownREIT Units (in shares)	——	——	——	——
Decreased In Provision For Credit Losses	——	——	——	——
Depreciation	$1.38M+2.6%	$1.34M-3.8%	$1.4M+26.1%	$1.11M-38.0%
Dividends, Common Stock	——	——	——	——
Dividends Non Voting Common Stock	——	——	——	——
Dividends Warrant	——	——	——	——
FDIC assessments	$604K-34.1%	$916K+3.5%	$885K+46.0%	$606K-30.7%
Finance Lease Cost	——	——	——	——
Finance Lease Interest Payment On Liability	——	——	——	——
Finance Lease Principal Payments	——	——	——	——
Accrued interest receivables written off	$1.16M+49.6%	$774K+104%	$379K—	——
Foreclosed Real Estate Expense	$106K+3.9%	$102K-8.1%	$111K+42.3%	$78K+69.6%
Gain Loss On Cash Flow Hedge In Effective Net	——	——	——	——
Gain Loss On Sale Of Investments Excluding Realized Gain On Marketable Equity Security	——	——	——	——
Net gains/(losses) on sales of loans	$402K+170%	$149K-31.0%	$216K+57.7%	$137K-56.2%
Debt Security, Held-to-Maturity, Sold, Realized Gain (Loss)	——	——	——	——
Income Tax Effect Related To Other Comprehensive Loss Income	——	——	——	——
Increase Decrease In Accrued Interest Receivable Net	-$553K—	——	$1.12M-32.2%	$1.65M+5,783%
Increase Decrease In Brokered Deposits	——	——	——	——
Net decrease in demand, savings, interest checking, and money market investment deposit accounts	——	——	——	——
Increase (Decrease) in Other Operating Assets and Liabilities, Net	——	$2.59M+264%	-$1.58M+57.4%	-$3.7M—
Increase (Decrease) in Time Deposits	-$14.1M-114%	$98.78M+31.9%	$74.9M+387%	-$26.08M-9.5%
Data processing and equipment	$2.67M+8.1%	$2.47M+22.4%	$2.02M-1.2%	$2.04M-20.1%
Interest and Dividend Income, Operating	$76.65M-2.2%	$78.36M+15.8%	$67.66M+32.4%	$51.1M+11.5%
Interest and Fee Income, Loans and Leases	$53.56M+1.6%	$52.71M+11.3%	$47.35M+23.6%	$38.32M+3.5%
Interest Expense, Deposits	$27.99M-8.2%	$30.49M+31.1%	$23.27M+229%	$7.07M+50.0%
Interest Expense, Long-Term Debt	$387K-47.2%	$733K-13.8%	$850K+50.7%	$564K-44.6%
Interest Income (Expense), after Provision for Loan Loss	$28.68M-4.5%	$30.02M-16.6%	$35.99M-6.9%	$38.65M+3.7%
Interest Income (Expense), Operating	$44.34M+8.2%	$40.99M+5.3%	$38.92M-6.0%	$41.4M+8.1%
Federal Funds Sold	$450K-43.3%	$793K+169%	$295K+98.0%	$149K+1,556%
Interest On Subordinated Debt	$1.97M+0.3%	$1.97M—	——	——
Interest Paid, Excluding Capitalized Interest, Operating Activity	$32.44M-16.0%	$38.62M+40.6%	$27.47M—	——
Investment Company Portfolio Turnover	——	——	——	——
Lease Cost	——	——	——	——
Marketable Securities Realized Gain And Loss	——	——	——	——
Modified Class Of Receivable	——	——	——	——
Modified Interest Rate Reduction	——	——	——	——
Modified Term Extension	——	——	——	——
Modified Total Class Of Receivable	——	——	——	——
Cash Provided by (Used in) Financing Activity, Including Discontinued Operation	-$52.52M—	——	$52.81M-53.1%	$112.51M—
Cash Provided by (Used in) Investing Activity, Including Discontinued Operation	$40.45M—	——	-$54.79M+58.2%	-$131.16M—
Cash Provided by (Used in) Operating Activity, Including Discontinued Operation	——	——	——	$21.73M+7.8%
Net Gains Losses On Sales Of Loans And Foreclosed Real Estate	$402K+115%	$187K+2.2%	$183K+33.6%	$137K-56.2%
Non Voting Common Stock Dividends Per Share Declared	——	——	——	——
Noninterest Expense	$34.58M+0.5%	$34.42M+17.1%	$29.4M+1.8%	$28.87M+5.0%
Total other income	——	——	——	——
Number Of Portfolio Segment	——	——	——	——
Operating Lease Payments	——	——	——	——
Other Comprehensive Income Defined Benefit Plans Net Unamortized Gain Loss Arising During Period Tax	——	——	——	——
Other comprehensive loss (Note 13)	——	——	——	——
Other Comprehensive Income Loss Before Tax	——	——	——	——
Tax on unrealized gain on derivative hedge agreements	——	——	——	——
Other Comprehensive Income Loss Cash Flow Hedge Gain Loss After Reclassification Before Tax	——	——	——	——
Other comprehensive income (loss)	——	——	——	——
Net gains/(losses) arising during the period	——	——	——	——
Other Comprehensive Income Loss Pension And Other Postretirement Benefit Plans Adjustment Before Tax	——	——	——	——
Tax expense (benefit) of other comprehensive income (loss), reclassification adjustment from AOCI for sale of securities	——	——	——	——
Other Comprehensive Income Loss Reclassification Adjustment From AOCI For Sale Of Securities Before Tax	——	——	——	——
Tax expense (benefit)	——	——	——	——
Tax expense (benefit) of unrealized gains/losses on available for sale securities still held	——	——	——	——
Other Comprehensive Income Unrealized Holding Gain Loss On Securities Arising During Period Before Tax	——	——	——	——
Payments For Origination Of Mortgage Loans Held For Sale	$12.87M+111%	$6.1M+9.9%	$5.55M—	——
Payments For Proceeds From Loans And Leases	——	$33.3M+1,758%	$1.79M-97.3%	$66.3M—
Payments For Proceeds From Sale Of Available For Sale Securities Debt	——	——	——	——
Payments of Ordinary Dividends, Common Stock	$1.91M+3.7%	$1.84M+8.9%	$1.69M+7.8%	$1.57M+27.8%
Payments Of Dividends Common Stock Non Voting Share Holders	——	——	——	——
Payments Of Dividends Warrants	——	——	——	——
Payments To Acquire Available For Sale Debt And Equity Securities	——	——	——	——
Payments To Acquire Federal Home Loan Bank Stock	——	——	——	——
Payments to Acquire Held-to-Maturity Securities	——	$24.67M+80.3%	$13.68M-78.1%	$62.57M+42.5%
Payments to Acquire Marketable Securities	——	——	——	——
Payments to Acquire Property, Plant, and Equipment	$1.26M-38.9%	$2.06M+4.9%	$1.97M+3.6%	$1.9M+56.6%
Proceeds from Maturities, Prepayments and Calls of Held-to-Maturity Securities	$29.52M-27.2%	$40.53M+44.0%	$28.14M+3.6%	$27.15M-45.9%
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-Sale	$50.71M-35.0%	$78.01M+291%	$19.96M+3.8%	$19.23M-63.2%
Proceeds from (Repayments of) Short-Term Debt	——	-$65.37M-200%	$65.35M+36.6%	$47.83M+464%
Proceeds From Sale Of Available For Sale Debt And Equity Securities	——	——	——	——
Proceeds From Sale Of Federal Home Loan Bank Stock	——	——	——	——
Proceeds From Sale Of Held To Maturity Securities	——	——	——	——
Proceeds From Sale Of Loans Held For Sale	$13.27M+112%	$6.25M+8.0%	$5.79M—	——
Cash received from option exercises	$656K—	——	$623K+49.0%	$418K-24.1%
Provision For Credit Loss	——	——	——	——
Realized Gains On Investments Sold	——	——	——	——
Realized Losses On Sale Of Investments	——	——	——	——
Repayments of Long-Term Debt	$23.88M-28.8%	$33.55M+179%	$12.02M-34.1%	$18.23M-29.8%
Stock Issued During Period, Value, Stock Options Exercised	——	——	——	——
Stock Option Plan Expense	——	——	——	——
Transfer Of Loans To Loans Held For Sale	——	——	——	——
Unrealized Holding Losses Arising During The Period	——	——	——	——
Warrant Dividends Income Statement Impact	——	——	——	——
Warrant Dividends Per Share Declared	——	——	——	——

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Questions, answered.

What is Pathfinder Bancorp's revenue?: Pathfinder Bancorp (PBHC) generated $45.7M in revenue over the trailing twelve months, down 12.2% year over year.
Is Pathfinder Bancorp profitable?: Pathfinder Bancorp is not currently profitable: it reported a net loss of $2.5M over the trailing twelve months, a -5.5% net margin.
Where does Pathfinder Bancorp's income statement data come from?: Every line is extracted from Pathfinder Bancorp's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.