PBHC
Income statement / Annual
Last year (2023), Pathfinder Bancorp, Inc.'s total revenue was $41.18 M,
a decrease of 11.27% from the previous year.
In 2023, Pathfinder Bancorp, Inc.'s net income was $9.29 M.
See Pathfinder Bancorp, Inc.’s key income statements, including revenue, expenses, profit, and income.
| Period |
FY-2023
|
FY-2022
|
FY-2021
|
FY-2020
|
FY-2019
|
FY-2018
|
FY-2017
|
FY-2016
|
FY-2015
|
FY-2014
|
| Period Ended |
12/31/2023 |
12/31/2022 |
12/31/2021 |
12/31/2020 |
12/31/2019 |
12/31/2018 |
12/31/2017 |
12/31/2016 |
12/31/2015 |
12/31/2014 |
| Operating Revenue |
$41.18 M
|
$46.41 M
|
$43.70 M
|
$38.13 M
|
$33.15 M
|
$29.60 M
|
$27.30 M
|
$24.47 M
|
$22.94 M
|
$20.84 M
|
| Cost of Revenue |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
$875,000.00 |
$0.00 |
$0.00 |
$0.00 |
$0.00 |
| Gross Profit |
$41.18 M |
$46.41 M |
$43.70 M |
$38.13 M |
$33.15 M |
$28.73 M |
$27.30 M |
$24.47 M |
$22.94 M |
$20.84 M |
| Gross Profit Ratio |
1 |
1 |
1 |
1 |
1 |
0.97 |
1 |
1 |
1 |
1 |
| Research and Development
Expenses |
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| General & Administrative
Expenses |
$16.81 M
|
$16.63 M
|
$17.81 M
|
$16.56 M
|
$16.42 M
|
$15.79 M
|
$14.17 M
|
$12.80 M
|
$11.70 M
|
$10.74 M
|
| Selling & Marketing
Expenses |
$671,000.00
|
$905,000.00
|
$1.20 M
|
$941,000.00
|
$962,000.00
|
$935,000.00
|
$809,000.00
|
$730,000.00
|
$518,000.00
|
$537,000.00
|
| Selling, General &
Administrative Expenses |
$24.93 M
|
$17.53 M
|
$19.01 M
|
$17.50 M
|
$17.38 M
|
$16.73 M
|
$14.98 M
|
$13.53 M
|
$12.22 M
|
$11.28 M
|
| Other Expenses |
$0.00 |
-$9.47 M |
-$46.81 M |
-$47.39 M |
-$45.09 M |
-$31.83 M |
-$6.98 M |
-$6.40 M |
-$5.98 M |
$0.00 |
| Operating Expenses |
$24.93 M |
$905,000.00 |
-$27.80 M |
-$29.88 M |
-$27.71 M |
-$15.11 M |
$809,000.00 |
$730,000.00 |
$518,000.00 |
$537,000.00 |
| Cost And Expenses |
$61.07 M |
$905,000.00 |
-$27.80 M |
-$29.88 M |
-$27.71 M |
-$15.11 M |
$809,000.00 |
$730,000.00 |
$518,000.00 |
$537,000.00 |
| Interest Income |
$67.09 M |
$50.87 M |
$45.52 M |
$42.51 M |
$41.76 M |
$34.81 M |
$29.41 M |
$24.09 M |
$21.42 M |
$19.70 M |
| Interest Expense |
$28.74 M |
$9.70 M |
$7.53 M |
$10.86 M |
$13.53 M |
$9.04 M |
$6.29 M |
$3.80 M |
$2.66 M |
$2.61 M |
| Depreciation &
Amortization |
$1.34 M
|
$711,000.00
|
$1.82 M
|
$1.73 M
|
$1.56 M
|
$1.20 M
|
$1.05 M
|
$1.03 M
|
$1.03 M
|
$831,000.00
|
| EBITDA |
$13.12 M
|
$16.39 M
|
$18.71 M
|
$9.72 M
|
$0.00
|
$0.00
|
$0.00
|
$5.46 M
|
$0.00
|
$0.00
|
| EBITDA Ratio |
0.32 |
0.54 |
0.41 |
0.25 |
0.21 |
0.5 |
0.43 |
0.38 |
0.33 |
0.35 |
| Operating Income Ratio
|
0.29
|
0.52
|
0.36
|
0.22
|
0.16
|
0.46
|
0.39
|
0.33
|
0.29
|
0.31
|
| Total Other
Income/Expenses Net |
$0.00
|
-$250,000.00
|
-$888,000.00
|
-$1.38 M
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
$0.00
|
| Income Before Tax |
$11.78 M |
$15.69 M |
$16.01 M |
$8.34 M |
$5.45 M |
$4.56 M |
$4.35 M |
$4.41 M |
$4.00 M |
$3.95 M |
| Income Before Tax Ratio
|
0.29
|
0.34
|
0.37
|
0.22
|
0.16
|
0.15
|
0.16
|
0.18
|
0.17
|
0.19
|
| Income Tax Expense |
$2.36 M |
$2.66 M |
$3.50 M |
$1.30 M |
$1.17 M |
$546,000.00 |
$1.41 M |
$1.11 M |
$1.07 M |
$1.15 M |
| Net Income |
$9.29 M |
$9.72 M |
$12.41 M |
$5.41 M |
$4.28 M |
$4.03 M |
$3.01 M |
$3.27 M |
$2.89 M |
$2.75 M |
| Net Income Ratio |
0.23 |
0.21 |
0.28 |
0.14 |
0.13 |
0.14 |
0.11 |
0.13 |
0.13 |
0.13 |
| EPS |
-0.0238 |
1.64 |
2.38 |
1.17 |
0.8 |
0.97 |
0.74 |
0.79 |
0.67 |
0.64 |
| EPS Diluted |
-0.0315 |
1.64 |
2.38 |
1.17 |
0.8 |
0.94 |
0.72 |
0.78 |
0.66 |
0.63 |
| Weighted Average Shares
Out |
$7.98 M
|
$5.94 M
|
$5.22 M
|
$4.61 M
|
$4.46 M
|
$4.17 M
|
$4.08 M
|
$4.11 M
|
$4.12 M
|
$4.16 M
|
| Weighted Average Shares
Out Diluted |
$6.03 M
|
$5.94 M
|
$5.22 M
|
$4.61 M
|
$4.46 M
|
$4.27 M
|
$4.19 M
|
$4.19 M
|
$4.19 M
|
$4.20 M
|
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