Pathfinder Bancorp financials
$17.20−0.85%
Close Sep 28, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19.3M | $18.6M | $19.6M | $21.2M | $17.7M | $20.6M | $24.4M | $22.9M | $20.2M | $20.3M | $19.6M | $18.9M |
| Gross profit | $11.8M | $11.5M | $11.8M | $13.1M | $9.3M | $12.6M | $15.3M | $13.4M | $10.7M | $11.1M | $10.5M | $11.3M |
| Gross margin | 61.0% | 61.6% | 60.3% | 61.7% | 52.6% | 61.1% | 62.6% | 58.7% | 52.8% | 54.7% | 53.3% | 59.7% |
| Operating income | $3.3M | $2.9M | -$8.5M | $672.0K | $38.0K | $3.7M | $5.8M | -$5.8M | $2.5M | $2.7M | $3.2M | $2.8M |
| Net income | $2.7M | $2.4M | -$5.6M | $626.0K | $31.0K | $3.0M | $3.9M | -$4.6M | $444.0K | $2.1M | $2.5M | $2.2M |
| Net margin | 13.8% | 13.0% | −28.4% | 2.9% | 0.2% | 14.4% | 16.0% | −20.3% | 2.2% | 10.4% | 12.9% | 11.5% |
| Diluted EPS | $0.42 | $0.38 | $-0.92 | $0.10 | $0.00 | $0.47 | $0.36 | $-0.75 | $0.32 | $0.34 | $0.24 | $0.35 |
| EBITDA | $3.3M | $2.9M | -$8.5M | $672.0K | $38.0K | $3.7M | $5.8M | -$5.8M | $2.5M | $2.7M | $3.2M | $2.8M |
| Operating cash flow | $2.3M | -$241.0K | $2.7M | $7.0M | -$3.7M | $5.7M | -$2.7M | $11.8M | $1.5M | $504.0K | $8.4M | $5.1M |
| Free cash flow | $2.2M | -$489.0K | $2.4M | $6.9M | -$4.0M | $5.1M | -$3.1M | $9.3M | $637.0K | $274.0K | $8.1M | $4.1M |
| Diluted shares | 6.3M | 6.3M | 6.0M | 6.2M | 6.2M | 6.2M | 10.8M | 6.1M | 1.4M | 6.1M | 10.7M | 6.1M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $11.4M | $13.9M | $11.5M | $19.3M | $16.2M | $18.6M |
| Short-term investments | $139.2M | $429.0M | $158.6M | $172.6M | $183.3M | $479.9M |
| Total debt | $163.5M | $57.5M | $88.2M | $87.0M | $126.7M | $74.8M |
| Total assets | $1.49B | $1.42B | $1.43B | $1.47B | $1.51B | $1.50B |
| Total liabilities | $1.37B | $1.30B | $1.30B | $1.35B | $1.38B | $1.37B |
| Shareholders' equity | $125.7M | $123.6M | $122.5M | $126.3M | $124.4M | $124.9M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology