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Pathfinder Bancorp Income Statement 2025-2011 | PBHC
Brief overview of financial performance at Pathfinder Bancorp
The figures are compared over a five-year interval. According to figures from Pathfinder Bancorp, revenue changed from 22.9 million dollars to 38.5 million dollars over five years. The five-year change reached +67.8%, while CAGR stood at 10.9%. The trajectory reflects meaningful expansion of the business.
The net result moved from 2.9 million dollars to 7 million dollars, or +140.6%. The final year delivered the highest net income in the period.
Market capitalization changed from 51.1 million dollars to 53.8 million dollars (+5.3%). The financial trend was stronger than the market valuation.
Overall conclusion
The financial direction is broadly positive, although industry context still matters. The positive side is supported by net-income growth and sales growth. The key question is whether sales can be converted into sustainable profit.
Annual Income Statement Pathfinder Bancorp
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
60.5 M | 78 M | 58.9 M | 83.7 M | - | 53.8 M | 62.3 M | 60.1 M | 63.4 M | 57.5 M | 51.1 M | 41.1 M | 36.3 M | 26 M | 23 M |
Shares |
4.75 M | 4.75 M | 4.72 M | 4.65 M | - | 4.46 M | 4.46 M | 4.17 M | 4.08 M | 4.11 M | 4.12 M | 4.16 M | 4.15 M | 4.12 M | 4.1 M |
Historical Prices |
12.8 | 16.4 | 12.5 | 18 | 17.2 | 11.9 | 13.5 | 13.5 | 14.5 | 13 | 11.2 | 8.79 | 7.72 | 5.57 | 4.83 |
Net Income |
-1.93 M | 3.38 M | 9.29 M | 12.9 M | 12.4 M | 6.95 M | 4.28 M | 4.03 M | 3.49 M | 3.27 M | 2.89 M | 2.74 M | 2.41 M | 2.65 M | 2.32 M |
Revenue |
- | - | - | - | - | 38.5 M | 32.3 M | 28.7 M | 27.3 M | 24.5 M | 22.9 M | 20.8 M | 19 M | 17.9 M | 17.5 M |
Interest Expense |
44.3 M | 41 M | 28.7 M | 9.7 M | 7.53 M | 10.9 M | 13.5 M | 9.04 M | 6.29 M | 3.8 M | 2.66 M | 2.61 M | 3.26 M | - | - |
EBITDA |
1.38 M | 1.34 M | 1.4 M | 1.07 M | 1.79 M | - | - | - | - | - | - | - | - | - | - |
Operating Expenses |
- | - | - | - | - | - | 41 M | 34 M | 29 M | 24 M | 22 M | 20 M | - | - | - |
General and Administrative Expenses |
475 K | 539 K | 735 K | 688 K | 725 K | - | 16.4 M | 15.8 M | 14.2 M | 12.8 M | 11.7 M | 10.7 M | 9.94 M | 9.24 M | 8.64 M |
All numbers in USD currency
Quarterly Income Statement Pathfinder Bancorp
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
- | - | 4.75 M | - | - | - | 4.72 M | - | - | - | 4.65 M | - | - | - | - | - | - | - | 5.98 M | - | - | 4.44 M | 4.53 M | 4.65 M | 4.64 M | 4.61 M | 4.71 M | 4.58 M | 4.44 M | 4.24 M | 4.36 M | 4.2 M | 4.16 M | 4.12 M | 4.28 M | 4.09 M | 4.07 M | 4.05 M | 4.24 M | 4.09 M | 4.15 M | 4.14 M | 4.35 M | 4.13 M | 4.12 M | 4.11 M | 4.35 M | 4.18 M | 4.17 M | 4.17 M | 2.62 M | 2.52 M | - | - | - | - | - | - | - | - | - | - |
Net Income |
31 K | 2.41 M | - | 626 K | 31 K | 2.97 M | - | -4.64 M | 2 M | 2.12 M | - | 2.18 M | 1.98 M | 2.6 M | - | 3.18 M | 3.27 M | 2.95 M | - | 3.36 M | 3.01 M | 2.15 M | - | 1.47 M | 1.84 M | 1.69 M | - | 1.3 M | 607 K | 514 K | - | 985 K | 945 K | 1 M | - | 907 K | 920 K | 800 K | - | 820 K | 832 K | 661 K | - | 885 K | 694 K | 537 K | - | 1.96 M | 1.2 M | 519 K | - | 1.86 M | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
10.8 M | 10.3 M | - | 11.6 M | 10.8 M | 11.4 M | - | 11.7 M | 9.54 M | 9.21 M | - | 7.61 M | 6.89 M | 5.08 M | - | 2.6 M | 1.73 M | 1.52 M | - | 1.84 M | 1.85 M | 2.38 M | - | 2.18 M | 2.87 M | 3.26 M | - | 3.53 M | 3.4 M | 3.12 M | - | 2.43 M | 2.05 M | 1.82 M | - | 1.53 M | 1.5 M | 1.37 M | - | 952 K | 873 K | 872 K | - | 652 K | 623 K | 583 K | - | 656 K | 666 K | 695 K | - | 779 K | - | - | - | - | - | - | - | - | - | - |
EBITDA |
- | 374 K | - | 1.24 M | 823 K | 413 K | - | 1.05 M | 674 K | 339 K | - | 1.05 M | - | 355 K | - | 1.11 M | 751 K | 384 K | - | 1.36 M | 909 K | 453 K | - | 1.25 M | 824 K | 414 K | - | 1.13 M | 744 K | 360 K | - | 869 K | 578 K | 278 K | - | 766 K | 503 K | 247 K | - | 763 K | 458 K | 233 K | - | 760 K | 465 K | 229 K | - | 596 K | 399 K | 198 K | - | 532 K | - | - | - | - | - | - | - | - | - | - |
General and Administrative Expenses |
60 K | 140 K | - | 132 K | 60 K | 114 K | - | 123 K | 123 K | 170 K | - | 159 K | 158 K | 159 K | - | 141 K | 142 K | 141 K | - | 193 K | 177 K | 202 K | - | 126 K | 125 K | 125 K | - | 104 K | 100 K | 100 K | - | 104 K | 105 K | 105 K | - | 84 K | 85 K | 84 K | - | 81 K | 82 K | 76 K | - | 58 K | 59 K | 62 K | - | 61 K | 61 K | 64 K | - | 61 K | - | - | - | - | - | - | - | - | - | - |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Pathfinder Bancorp (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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