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Pathfinder Bancorp PBHC Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

M&T BankMTB

29.8%+1.5pp

KeyCorpKEY

25.4%+24.9pp

Magyar BancorpMGYR

24.4%-1.6pp

Sound Financial BancorpSFBC

19.1%+5.2pp

PCB BancorpPCB

33.9%+5.8pp

Other financials

Income statement

Revenue$11.5M-9.0%

Net income$2.4M-18.9%

EPS (diluted)$0.47+14.6%

Balance sheet

Cash & equivalents$39.2M-23.9%

Total debt$45.0M-28.5%

Total equity$123.6M-1.1%

Total assets$1.4B-4.9%

Cash flow

Operating cash flow-$241.0K-104%

CapEx$248.0K-61.1%

Free cash flow-$489.0K-110%

Valuation

Market cap$99.35M+8.2%

Enterprise value$105.15M-39.8%

P/S2.2×+0.4×

Profitability

FCF margin44.5%—

Returns & leverage

Return on equity-2%-5.4pp

Debt / equity0.4×-0.1×

Where this comes from

Calculated from Pathfinder Bancorp’s reported figures.

net income/total revenue=-5.5%

Based on trailing twelve months.

The official record: Pathfinder Bancorp’s 10-Q, filed May 15, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Pathfinder Bancorp's net margin?: Pathfinder Bancorp (PBHC) reported net margin of -5.5% in Q1 2026.
How has Pathfinder Bancorp's net margin changed year-over-year?: Pathfinder Bancorp's net margin decreased by 167.0% year-over-year, from 8.1% to -5.5%.
What is the long-term trend for Pathfinder Bancorp's net margin?: Over 5 years (2020 to 2025), Pathfinder Bancorp's net margin has grown at a -25.7% compound annual growth rate (CAGR), from 18.2% to -4.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.