Pathfinder Bancorp, Inc. (PBHC) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	77.8M	79.1M	83.5M	71.8M	56.4M
Cost of Revenue	41.5M	48.7M	48.3M	31.7M	12.4M
Gross Profit	36.3M	30.5M	35.1M	40.1M	43.9M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	25.1M	19.8M	19.3M	17.5M	17.5M
General & Admin Expense	24.9M	19.3M	18.7M	16.8M	16.6M
Selling & Marketing Expense	155.0K	459.0K	604.0K	671.0K	905.0K
Other Expenses	11.0M	14.8M	10.7M	10.9M	10.7M
Total Operating Expenses	36.1M	34.6M	30.0M	28.4M	28.2M
Cost and Expenses	77.6M	83.2M	78.3M	60.0M	40.7M
Operating Income (EBIT)	(8.5M)	(4.1M)	5.2M	11.8M	15.7M
Non-Operating
Interest Income	72.5M	76.5M	77.7M	67.1M	50.9M
Interest Expense	30.4M	32.3M	37.4M	28.7M	9.7M
Net Interest Income	42.1M	44.2M	40.4M	38.3M	41.2M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	(7.5M)	—	—	—	—
EBT (Pre-Tax Income)	(8.5M)	(4.1M)	5.2M	11.8M	15.7M
Income Tax Expense	(1.5M)	(676.0K)	332.0K	2.4M	2.7M
Bottom Line
Net Income	102.0K	(3.4M)	3.4M	9.3M	12.9M
Earnings from Cont. Ops	102.0K	(3.4M)	4.8M	9.4M	13.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	(2.6M)	(3.4M)	2.6M	7.0M	9.7M
Per Share
Basic EPS	($0.40)	($0.54)	$0.42	$1.51	$2.13
Diluted EPS	$0.01	($0.54)	$0.42	$1.51	$2.13
Revenue Per Share	$15.95	$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	9.4M	(1.7M)	6.5M	13.1M	16.4M
D&A	403.0K	2.4M	1.3M	1.3M	700.0K
EBIT	7.7M	(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 Sep 1, 2026