Pathfinder Bancorp financials
$17.20−0.85%
Close Sep 28, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $79.1M | $87.9M | $72.9M | $57.0M | $52.1M | $49.0M | $46.7M | $38.6M | $33.5M | $28.3M |
| Gross profit | $46.8M | $50.5M | $44.1M | $47.3M | $44.5M | $38.1M | $33.1M | $29.6M | $27.2M | $24.5M |
| Gross margin | 59.2% | 57.5% | 60.5% | 83.0% | 85.5% | 77.8% | 71.0% | 76.6% | 81.2% | 86.5% |
| Operating income | -$4.1M | $5.2M | $11.8M | $15.7M | $16.0M | $8.3M | $5.5M | $4.6M | $4.3M | $4.4M |
| Net income | -$1.9M | $3.4M | $9.3M | $9.7M | $9.3M | $5.4M | $3.6M | $4.0M | $3.5M | $3.3M |
| Net margin | −2.4% | 3.8% | 12.8% | 17.1% | 17.8% | 11.0% | 7.7% | 10.4% | 10.4% | 11.5% |
| Diluted EPS | $-0.31 | $0.54 | $1.51 | $2.13 | $2.07 | $1.17 | $0.80 | $0.94 | $0.83 | $0.78 |
| EBITDA | -$4.1M | $5.2M | $11.8M | $15.7M | $16.0M | $8.3M | $5.5M | $4.6M | $4.3M | $4.4M |
| Operating cash flow | $11.7M | $11.2M | $15.4M | $21.7M | $20.2M | $46.6M | $8.1M | $9.0M | $6.8M | $6.4M |
| Free cash flow | $10.4M | $10.3M | $13.5M | $17.5M | $19.2M | $45.3M | $4.5M | $3.3M | $4.9M | $5.0M |
| Diluted shares | 6.2M | 6.1M | 6.0M | 4.6M | 4.5M | 4.6M | 4.5M | 4.3M | 4.2M | 4.2M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $11.5M | $14.0M | $12.3M | $13.9M | $13.9M | $14.9M |
| Short-term investments | $158.6M | $185.0M | $486.4M | $415.3M | $379.7M | $334.3M |
| Total debt | $88.2M | $118.2M | $205.5M | $145.7M | $106.7M | $121.5M |
| Total assets | $1.43B | $1.47B | $1.47B | $1.40B | $1.29B | $1.23B |
| Total liabilities | $1.30B | $1.35B | $1.35B | $1.29B | $1.17B | $1.13B |
| Shareholders' equity | $122.5M | $121.5M | $120.3M | $111.6M | $110.6M | $97.7M |
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