Pathfinder Bancorp, Inc.

PBHCNASDAQFinancial Services● Active

$14.15

+$0.29(+2.06%)

Market Cap$87444071

P/E Ratio—

52W High$15.96

52W Low$12.06

Avg Volume4K

Open$13.90

Beta0.16

Net Income Financials Revenue

Pathfinder Bancorp, Inc. (PBHC) Net Income & Profit History

Annual & trailing net income, net margin, YoY change, and peer profitability context.

PBHC · net income · updated Jun 9, 2026

Core profitability metrics

PBHC · net income · margin · TTM · CAGR

Net income was −$3.4M for FY2025 (fiscal year ending 2025-12-31), down 201.0% year-over-year. Net profit margin was -4.3%. Based on available data, Pathfinder Bancorp, Inc. has been profitable since at least 2011.

FY2025 Net Income−$3.4M▼ -201.0% YoY

Trailing 12M (TTM)−$4.0Mtrailing 4 quarters sum

Net Profit Margin-4.3%−$3.4M ÷ $79.1M

YoY Change-201.0%—

5-Year CAGRN/AN/A — contains loss years

FormulaNet Margin = Net Income ÷ Revenue × 100TTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /income-statement · US GAAP · USDUpdated: Jun 9, 2026

Annual net income history

Net Income (bars) · Net Profit Margin % (line)

Net IncomeNet LossNet Margin %★ First Profit: 2011

▸ FMP /income-statement · Annual · PBHC net income history · PBHC profit margin

Annual net income data

PBHC · net income history · annual / quarterly

Fiscal YearNet IncomeYoY ChangeNet MarginRevenue

FY2025Loss−$3.4M▼ 201.0%-4.3%$79.1M

FY2024$3.4M▼ 63.6%4.0%$83.5M

FY2023$9.3M▼ 28.1%12.9%$71.8M

FY2022$12.9M▲ +4.2%22.9%$56.4M

FY2021$12.4M▲ +78.5%24.3%$51.0M

Net income vs peers (Financial Services)

PBHC vs peers · net income

#CompanyNet IncomeYoYNet MarginRelative

Pathfinder Bancorp, Inc.YOU

PBHC

−$3.4M-201.0%-4.3%

Loss

Berkshire Hathaway Inc.

BRK-B

$66.97B-24.8%18.0%

100%

Berkshire Hathaway Inc.

Mastercard Incorporated

$14.97B+16.3%45.6%

22%

Financial Services · Sorted by Net Income · FMP /income-statementFull Net Income Rankings →

About Net Income & Methodology

Pathfinder Bancorp, Inc. (PBHC) reported net income of −$3.4M for FY2025 (fiscal year ending 2025-12-31), down 201.0% year-over-year. The net profit margin was -4.3% — meaning the company kept $-0.04 of every dollar of revenue as profit.

Based on available data, Pathfinder Bancorp, Inc. has been profitable since at least 2011. Net income reached a peak of $12.9M in FY2022. Data available for 15 fiscal years.

Pathfinder Bancorp, Inc.'s net profit margin was -4.3% for FY2025, based on the latest annual results.

Investors sometimes search for "Pathfinder Bancorp, Inc. net worth" — the company's market capitalization is a separate figure from PBHC net income. Data sourced from FMP /income-statement · US GAAP · USD.

Figures tie to SEC 10-K/10-Q and FMP /income-statement where noted.

Revenue Financial statements Earnings Forecast Price history Market cap Free cash flow

Frequently asked questions

PBHC net income · 4 questions

Pathfinder Bancorp, Inc. is not currently profitable on an annual basis. The company reported a net loss of $3.4M for FY2025.

is PBHC profitabledoes PBHC make a profitPBHC profitabilityPBHC profitable company

▸ Source: FMP /income-statement · GAAP · Pathfinder Bancorp, Inc. · Pathfinder Bancorp, Inc. SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026