See more : Sprayking Agro Equipment Limited (SPRAYKING.BO) Income Statement Analysis – Financial Results
Complete financial analysis of Pathfinder Bancorp, Inc. (PBHC) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Pathfinder Bancorp, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Pathfinder Bancorp, Inc. (PBHC)
About Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 41.18M | 46.41M | 43.70M | 38.13M | 33.15M | 29.60M | 27.30M | 24.47M | 22.94M | 20.84M | 19.04M | 17.92M | 17.46M | 16.35M | 14.67M | 11.23M | 11.71M | 10.96M | 10.78M | 11.95M | 11.94M | 10.88M | 9.71M | 8.52M | 8.90M | 8.70M | 1.64M | 1.62M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 875.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 41.18M | 46.41M | 43.70M | 38.13M | 33.15M | 28.73M | 27.30M | 24.47M | 22.94M | 20.84M | 19.04M | 17.92M | 17.46M | 16.35M | 14.67M | 11.23M | 11.71M | 10.96M | 10.78M | 11.95M | 11.94M | 10.88M | 9.71M | 8.52M | 8.90M | 8.70M | 1.64M | 1.62M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 97.04% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 16.81M | 16.63M | 17.81M | 16.56M | 16.42M | 15.79M | 14.17M | 12.80M | 11.70M | 10.74M | 9.94M | 9.24M | 8.64M | 7.50M | 6.88M | 5.17M | 5.09M | 5.01M | 5.12M | 4.80M | 4.45M | 3.76M | 2.98M | 2.91M | 3.30M | 3.10M | 2.92M | 2.34M |
| Selling & Marketing | 671.00K | 905.00K | 1.20M | 941.00K | 962.00K | 935.00K | 809.00K | 730.00K | 518.00K | 537.00K | 537.00K | 453.00K | 437.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 17.48M | 17.53M | 19.01M | 17.50M | 17.38M | 16.73M | 14.98M | 13.53M | 12.22M | 11.28M | 10.48M | 9.70M | 9.07M | 7.50M | 6.88M | 5.17M | 5.09M | 5.01M | 5.12M | 4.80M | 4.45M | 3.76M | 2.98M | 2.91M | 3.30M | 3.10M | 2.92M | 2.34M |
| Other Expenses | 0.00 | -9.47M | -46.81M | -47.39M | -45.09M | -31.83M | -6.98M | -6.40M | -5.98M | 0.00 | -23.00M | -20.13M | -18.82M | -15.53M | 693.00K | -8.25M | -6.66M | -7.16M | -9.14M | -9.27M | -8.20M | -6.07M | -2.06M | -2.35M | -3.90M | -3.10M | 4.95M | 4.23M |
| Operating Expenses | 24.93M | 905.00K | -27.80M | -29.88M | -27.71M | -15.11M | 809.00K | 730.00K | 518.00K | 537.00K | -12.52M | -10.44M | -9.75M | -8.03M | 7.58M | -3.08M | -1.56M | -2.15M | -4.02M | -4.47M | -3.74M | -2.32M | 919.63K | 566.03K | -600.00K | 0.00 | 7.87M | 6.58M |
| Cost & Expenses | 24.93M | 905.00K | -27.80M | -29.88M | -27.71M | -15.11M | 809.00K | 730.00K | 518.00K | 537.00K | -12.52M | -10.44M | -9.75M | -8.03M | 6.88M | -3.08M | -1.56M | -2.15M | -4.02M | -4.47M | -3.74M | -2.32M | 919.63K | 566.03K | -600.00K | 0.00 | 7.87M | 6.58M |
| Interest Income | 67.09M | 50.87M | 45.52M | 42.51M | 41.76M | 34.81M | 29.41M | 24.09M | 21.42M | 19.70M | 18.88M | 18.77M | 18.45M | 17.92M | 17.81M | 18.35M | 17.31M | 15.87M | 15.10M | 14.48M | 15.28M | 15.81M | 16.34M | 15.93M | 14.70M | 14.10M | 14.17M | 13.21M |
| Interest Expense | 28.74M | 9.70M | 7.53M | 10.86M | 13.53M | 9.04M | 6.29M | 3.80M | 2.66M | 2.61M | 3.26M | 3.91M | 4.34M | 4.81M | 6.03M | 7.68M | 8.64M | 7.54M | 6.36M | 5.57M | 5.95M | 7.02M | 8.48M | 8.53M | 7.00M | 7.00M | 6.89M | 6.41M |
| Depreciation & Amortization | 0.00 | 711.00K | 1.82M | 1.73M | 1.56M | 1.20M | 1.05M | 1.03M | 1.03M | 831.00K | 726.00K | 788.00K | 750.00K | 644.00K | 657.00K | 838.00K | 1.12M | 1.26M | 1.44M | 1.36M | 795.75K | 523.83K | 781.35K | 794.66K | 1.00M | 500.00K | 551.04K | 563.86K |
| EBITDA | 0.00 | 16.39M | 18.71M | 9.72M | 0.00 | 0.00 | 0.00 | 5.46M | 0.00 | 0.00 | 3.84M | 4.37M | 5.20M | 5.58M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 54.48% | 40.51% | 25.19% | 21.04% | 50.10% | 43.15% | 37.73% | 33.33% | 35.23% | 38.05% | 46.17% | 48.46% | 54.82% | 63.76% | 80.03% | 96.23% | 91.94% | 76.09% | 73.95% | 75.32% | 83.53% | 117.52% | 115.97% | 104.49% | 105.75% | 613.24% | 541.87% |
| Operating Income | 11.78M | 24.21M | 15.91M | 8.25M | 5.44M | 13.62M | 10.70M | 8.19M | 6.62M | 6.51M | 6.52M | 7.49M | 7.71M | 8.32M | 8.69M | 8.15M | 10.15M | 8.81M | 6.77M | 7.48M | 8.20M | 8.57M | 10.63M | 9.08M | 8.30M | 8.70M | 9.51M | 8.19M |
| Operating Income Ratio | 28.62% | 52.17% | 36.40% | 21.62% | 16.41% | 46.02% | 39.20% | 33.45% | 28.85% | 31.24% | 34.24% | 41.77% | 44.16% | 50.88% | 59.28% | 72.56% | 86.67% | 80.40% | 62.76% | 62.58% | 68.65% | 78.71% | 109.47% | 106.64% | 93.26% | 100.00% | 579.65% | 506.97% |
| Total Other Income/Expenses | 0.00 | -250.00K | -888.00K | -1.38M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -2.34M | -319.00K | 0.00 | 0.00 | -693.00K | -2.25M | 0.00 | 0.00 | -395.00K | 0.00 | -5.95M | -7.02M | -8.48M | -8.53M | -7.00M | -7.00M | -6.89M | -6.41M |
| Income Before Tax | 11.78M | 15.69M | 16.01M | 8.34M | 5.45M | 4.56M | 4.35M | 4.41M | 4.00M | 3.95M | 3.25M | 3.58M | 3.37M | 3.51M | 2.67M | 471.00K | 1.51M | 1.27M | 411.00K | 1.91M | 2.25M | 1.54M | 2.15M | 552.17K | 1.30M | 1.70M | 2.62M | 1.78M |
| Income Before Tax Ratio | 28.62% | 33.80% | 36.63% | 21.88% | 16.44% | 15.39% | 15.91% | 18.02% | 17.45% | 18.97% | 17.08% | 19.96% | 19.29% | 21.48% | 18.17% | 4.20% | 12.86% | 11.59% | 3.81% | 15.96% | 18.86% | 14.19% | 22.10% | 6.48% | 14.61% | 19.54% | 159.50% | 110.02% |
| Income Tax Expense | 2.36M | 2.66M | 3.50M | 1.30M | 1.17M | 546.00K | 1.41M | 1.11M | 1.07M | 1.15M | 847.00K | 929.00K | 1.04M | 1.01M | 1.05M | 103.00K | 384.00K | 242.00K | -51.00K | 502.00K | 600.92K | 388.06K | 543.74K | 196.29K | 400.00K | 500.00K | 762.09K | 505.84K |
| Net Income | 9.29M | 9.72M | 12.41M | 5.41M | 4.28M | 4.03M | 3.01M | 3.27M | 2.89M | 2.75M | 2.41M | 2.65M | 2.32M | 2.51M | 1.62M | 368.00K | 1.12M | 1.03M | 462.00K | 1.41M | 1.65M | 1.16M | 1.60M | 355.88K | 900.00K | 1.20M | 1.85M | 1.27M |
| Net Income Ratio | 22.57% | 20.95% | 28.39% | 14.18% | 12.90% | 13.62% | 11.01% | 13.37% | 12.59% | 13.17% | 12.64% | 14.78% | 13.31% | 15.32% | 11.01% | 3.28% | 9.58% | 9.38% | 4.28% | 11.76% | 13.83% | 10.62% | 16.50% | 4.18% | 10.11% | 13.79% | 113.05% | 78.71% |
| EPS | 0.88 | 1.64 | 2.38 | 1.17 | 0.80 | 0.97 | 0.74 | 0.79 | 0.67 | 0.64 | 0.58 | 0.53 | 0.32 | 0.50 | 0.37 | 0.09 | 0.27 | 0.25 | 0.12 | 0.35 | 0.41 | 0.27 | 0.38 | 0.09 | 0.21 | 0.27 | 0.40 | 0.18 |
| EPS Diluted | 1.16 | 1.64 | 2.38 | 1.17 | 0.80 | 0.94 | 0.72 | 0.78 | 0.66 | 0.63 | 0.58 | 0.53 | 0.32 | 0.50 | 0.37 | 0.09 | 0.27 | 0.25 | 0.12 | 0.35 | 0.41 | 0.27 | 0.38 | 0.09 | 0.21 | 0.25 | 0.40 | 0.18 |
| Weighted Avg Shares Out | 7.98M | 5.94M | 5.22M | 4.61M | 4.46M | 4.17M | 4.08M | 4.11M | 4.12M | 4.16M | 4.15M | 4.12M | 4.10M | 4.09M | 4.09M | 4.09M | 4.11M | 4.03M | 4.01M | 3.99M | 4.00M | 4.23M | 4.26M | 4.19M | 4.38M | 4.49M | 7.10M | 6.98M |
| Weighted Avg Shares Out (Dil) | 6.03M | 5.94M | 5.22M | 4.61M | 4.46M | 4.27M | 4.19M | 4.19M | 4.19M | 4.20M | 4.17M | 4.15M | 4.18M | 4.10M | 4.09M | 4.09M | 4.11M | 4.13M | 4.01M | 4.06M | 4.06M | 4.33M | 4.26M | 4.19M | 4.38M | 4.71M | 7.10M | 6.98M |
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., Sept. 30, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of...
Pathfinder Bancorp, Inc. Announces Retirement of EVP, Chief Banking Officer Ronald Tascarella, Serbun Named SVP, Chief Credit Officer
OSWEGO, N.Y., Sept. 26, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that, after 18 years with Pathfinder Bank, Ronald Tascarella, 66, Executive Vice President and Chief Banking Officer, will retire from those positions effective November 30,...
Pathfinder Bank Acquisition of Berkshire Bank Branch Complete
OSWEGO, N.Y., July 22, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Pathfinder”), announced today that Pathfinder has completed the previously announced purchase and assumption of the East Syracuse, New York branch of...
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., July 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of...
Pathfinder Bancorp, Inc. Announces Receipt of Regulatory Approvals for Acquisition of Berkshire Bank East Syracuse Branch
OSWEGO, N.Y., June 13, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder” or “Company”) (NASDAQ: PBHC), announced that its banking subsidiary, Pathfinder Bank (“Bank”), has received the required regulatory agency approvals from both the New York State Department of Financial...
Pathfinder Bancorp, Inc. Announces the Retirement of Chief Financial Officer and Names Successor
OSWEGO, N.Y., May 08, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) today announced that Walter F. Rusnak, CPA, 70, Senior Vice President and Chief Financial Officer, will retire from the role after a career spanning more than...
Pathfinder Bancorp, Inc. Announces First Quarter 2024 Net Income of $2.1 Million
Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges Strategic Growth and Prudent Expense Management Shape Bank Performance Despite Economic Challenges
Stonegate Capital Partners Updates Coverage on Pathfinder Bancorp, Inc. (PBHC) Q4 2023
Dallas, Texas--(Newsfile Corp. - April 16, 2024) - Pathfinder Bancorp, Inc. (NASDAQ: PBHC): Stonegate Capital Partners updates coverage on Pathfinder Bancorp, Inc. (NASDAQ: PBHC). To view the full announcement, including downloadable images, bios, and more, click here.
Pathfinder Bancorp, Inc. Declares Dividend
OSWEGO, N.Y., April 01, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ: PBHC) (listing: PathBcp), has announced that the Company has declared a cash dividend of...
Pathfinder Bancorp Announces Agreement to Acquire East Syracuse Branch
OSWEGO, N.Y., March 04, 2024 (GLOBE NEWSWIRE) -- Pathfinder Bancorp, Inc. (“Pathfinder”) (NASDAQ: PBHC) has announced the signing of a branch purchase and assumption agreement pursuant to which Pathfinder Bank will acquire the East Syracuse, New York branch of Berkshire...
Source: https://incomestatements.info
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