Pathfinder Bancorp, Inc. (PBHC)
NASDAQ: PBHC · Real-Time Price · USD
14.11
-0.09 (-0.63%)
At close: Dec 5, 2025, 4:00 PM EST
14.18
+0.07 (0.50%)
After-hours: Dec 5, 2025, 4:04 PM EST
Pathfinder Bancorp Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Interest Income on Loans | 54.1 | 52.71 | 47.35 | 38.32 | 37.03 | 35.42 | Upgrade
|
| Interest Income on Investments | 23.79 | 25.65 | 20.32 | 12.78 | 8.8 | 7.09 | Upgrade
|
| Total Interest Income | 77.89 | 78.36 | 67.66 | 51.1 | 45.83 | 42.51 | Upgrade
|
| Interest Paid on Deposits | 29.04 | 30.49 | 23.27 | 7.07 | 4.71 | 8.11 | Upgrade
|
| Interest Paid on Borrowings | 4.64 | 6.88 | 5.48 | 2.62 | 2.82 | 2.75 | Upgrade
|
| Total Interest Expense | 33.68 | 37.37 | 28.74 | 9.7 | 7.53 | 10.86 | Upgrade
|
| Net Interest Income | 44.2 | 40.99 | 38.92 | 41.4 | 38.3 | 31.64 | Upgrade
|
| Net Interest Income Growth (YoY) | 11.14% | 5.32% | -6.00% | 8.12% | 21.02% | 12.09% | Upgrade
|
| Gain (Loss) on Sale of Assets | 3.17 | 3.16 | - | -0.25 | 0.2 | - | Upgrade
|
| Gain (Loss) on Sale of Investments | 1.18 | 0.22 | -0.1 | 0.18 | 0.42 | 0.45 | Upgrade
|
| Other Non-Interest Income | 2.8 | 4.69 | 3.92 | 4.72 | 3.83 | 3.46 | Upgrade
|
| Total Non-Interest Income | 5.96 | 9.69 | 5.25 | 5.91 | 6.23 | 6.49 | Upgrade
|
| Non-Interest Income Growth (YoY) | -3.23% | 84.61% | -11.21% | -5.09% | -3.92% | 31.89% | Upgrade
|
| Revenues Before Loan Losses | 50.16 | 50.68 | 44.17 | 47.32 | 44.53 | 38.13 | Upgrade
|
| Provision for Loan Losses | 6.01 | 11.11 | 2.99 | 2.75 | 1.02 | 4.71 | Upgrade
|
| Revenue | 44.15 | 39.58 | 41.18 | 44.56 | 43.5 | 33.42 | Upgrade
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| Revenue Growth (YoY) | 24.40% | -3.89% | -7.59% | 2.43% | 30.17% | 7.18% | Upgrade
|
| Salaries and Employee Benefits | 17.41 | 17.56 | 15.45 | 15.38 | 13.75 | 12.87 | Upgrade
|
| Occupancy Expenses | 5.05 | 3.92 | 3.34 | 3.15 | 2.9 | 2.77 | Upgrade
|
| Federal Deposit Insurance | 0.63 | 0.92 | 0.89 | 0.61 | 0.87 | 0.7 | Upgrade
|
| Selling, General & Administrative | 7.22 | 7.75 | 6.13 | 6.04 | 6.97 | 5.89 | Upgrade
|
| Other Non-Interest Expense | 3.57 | 4.17 | 3.47 | 3.63 | 2.97 | 2.8 | Upgrade
|
| Total Non-Interest Expense | 33.98 | 34.42 | 29.4 | 28.87 | 27.5 | 25.08 | Upgrade
|
| EBT Excluding Unusual Items | 10.18 | 5.16 | 11.78 | 15.69 | 16.01 | 8.34 | Upgrade
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| Pretax Income | 10.18 | 5.16 | 11.78 | 15.69 | 16.01 | 8.34 | Upgrade
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| Income Tax Expense | 1.29 | 0.33 | 2.36 | 2.66 | 3.5 | 1.3 | Upgrade
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| Earnings From Continuing Operations | 8.89 | 4.83 | 9.42 | 13.03 | 12.51 | 7.05 | Upgrade
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| Minority Interest in Earnings | -1.35 | -1.45 | -0.13 | -0.1 | -0.1 | -0.1 | Upgrade
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| Net Income | 7.54 | 3.38 | 9.29 | 12.93 | 12.41 | 6.95 | Upgrade
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| Preferred Dividends & Other Adjustments | 0.9 | 0.82 | 2.27 | 3.21 | 3.12 | 1.55 | Upgrade
|
| Net Income to Common | 6.64 | 2.57 | 7.02 | 9.72 | 9.29 | 5.41 | Upgrade
|
| Net Income Growth | 274.65% | -63.60% | -28.14% | 4.23% | 78.52% | 62.53% | Upgrade
|
| Basic Shares Outstanding | 6 | 6 | 6 | 6 | 5 | 5 | Upgrade
|
| Diluted Shares Outstanding | 6 | 6 | 6 | 6 | 5 | 5 | Upgrade
|
| Shares Change (YoY) | 1.56% | 1.01% | 1.58% | 13.71% | 13.35% | 3.23% | Upgrade
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| EPS (Basic) | 1.08 | 0.42 | 1.16 | 1.64 | 1.78 | 1.17 | Upgrade
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| EPS (Diluted) | 1.07 | 0.42 | 1.16 | 1.64 | 1.78 | 1.17 | Upgrade
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| EPS Growth | - | -63.84% | -28.90% | -7.93% | 51.97% | 46.25% | Upgrade
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| Dividend Per Share | 0.400 | 0.400 | 0.360 | 0.360 | 0.280 | 0.240 | Upgrade
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| Dividend Growth | 2.56% | 11.11% | - | 28.57% | 16.67% | - | Upgrade
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| Effective Tax Rate | 12.66% | 6.43% | 20.04% | 16.93% | 21.86% | 15.53% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.