Pathfinder Bancorp, Inc. (PBHC) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	79.0M	79.1M	83.5M	71.8M	56.4M
Cost of Revenue	45.0M	48.7M	48.3M	31.7M	12.4M
Gross Profit	34.0M	30.5M	35.1M	40.1M	43.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	23.4M	19.8M	19.3M	17.5M	17.5M
General & Admin Expense	23.1M	19.3M	18.7M	16.8M	16.6M
Selling & Marketing Expense	307.0K	459.0K	604.0K	671.0K	905.0K
Other Expenses	12.2M	14.8M	10.7M	10.9M	10.7M
Total Operating Expenses	35.6M	34.6M	30.0M	28.4M	28.2M
Cost and Expenses	80.6M	83.2M	78.3M	60.0M	40.7M
Operating Income (EBIT)	(1.7M)	(4.1M)	5.2M	11.8M	15.7M
Non-Operating
Interest Income	73.6M	76.5M	77.7M	67.1M	50.9M
Interest Expense	30.6M	32.3M	37.4M	28.7M	9.7M
Net Interest Income	42.9M	44.2M	40.4M	38.3M	41.2M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	(7.5M)	—	—	—	—
EBT (Pre-Tax Income)	(1.7M)	(4.1M)	5.2M	11.8M	15.7M
Income Tax Expense	(312.0K)	(676.0K)	332.0K	2.4M	2.7M
Bottom Line
Net Income	(1.3M)	(3.4M)	3.4M	9.3M	12.9M
Earnings from Cont. Ops	(1.3M)	(3.4M)	4.8M	9.4M	13.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	(4.0M)	(3.4M)	2.6M	7.0M	9.7M
Per Share
Basic EPS	($0.63)	($0.54)	$0.42	$1.51	$2.13
Diluted EPS	($0.63)	($0.54)	$0.42	$1.51	$2.13
Revenue Per Share	$16.23	$12.58	$13.70	$15.44	$12.36
Shares
Basic Shares Outstanding	4.9M	6.3M	6.1M	4.7M	4.6M
Diluted Shares Outstanding	4.9M	6.3M	6.1M	4.7M	4.6M
Profitability Metrics
EBITDA	7.7M	(1.9M)	6.5M	13.1M	16.4M
D&A	1.8M	2.2M	1.3M	1.3M	700.0K
EBIT	5.9M	(4.1M)	5.2M	11.8M	15.7M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026