See more : Beat Holdings Limited (9399.T) 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 |
Dividend Changes: June 27-July 3, 2020
Dividend Challenger Highlights: Week Of May 3
Analyzing Old Second Bancorp (NASDAQ:OSBC) and Pathfinder Bancorp (NASDAQ:PBHC)
Source: https://incomestatements.info
Category: Stock Reports