Pathfinder Bancorp, Inc. income statement

In fiscal 2025, Pathfinder Bancorp, Inc. reported revenue of $46.8m, down 7.4% on the year before and net income of −$1.9m. Every line below comes from the company's 10-K and 10-Q filings; column headings link to the filing.

Income statement

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Pathfinder Bancorp, Inc.: income statement, annual
Fiscal year	2013Dec 2013	2014Dec 2014	2015Dec 2015	2016Dec 2016	2017Dec 2017	2018Dec 2018	2019Dec 2019	2020Dec 2020	2021Dec 2021	2022Dec 2022	2023Dec 2023	2024Dec 2024	2025Dec 2025	LTMJun 2026
Revenue	19	21	23	24	27	30	33	38	45	47	44	51	47	48
General and administrative	0	0	0	0	0	0	0	1	1	1	1	1	0	1
Interest expense	3	3	3	4	6	9	14	11	8	10	29	—	—	—
Net interest income	16	17	19	20	23	26	28	32	38	41	39	41	44	43
Non-interest income	3	4	4	4	4	4	5	6	6	6	5	10	2	5
Non-interest expense	15	16	18	19	21	24	26	25	27	29	29	34	35	35
Provision for credit losses	1	1	1	1	2	1	2	5	1	3	3	11	16	14
Income before tax	3	4	4	4	4	5	5	8	16	16	12	5	−4	−2
Income tax	1	1	1	1	1	1	1	3	3	3	2	0	−2	−2
Net income	2	3	3	3	3	4	4	7	12	13	9	3	−2	0
Diluted EPS	$0.58	$0.63	$0.66	$0.78	$0.83	$0.94	$0.80	$1.17	—	—	—	—	—	—
Diluted shares (average)	4m	4m	4m	4m	4m	4m	4m	5m	—	—	—	—	—	—

US$ millions unless shown otherwise. Fiscal quarters.

Pathfinder Bancorp, Inc.: income statement, quarterly
Quarter	2024 Q3Sept 2024	2024 Q4Dec 2024	2025 Q1Mar 2025	2025 Q2Jun 2025	2025 Q3Sept 2025	2025 Q4Dec 2025	2026 Q1Mar 2026	2026 Q2Jun 2026
Revenue	13	15	13	9	13	12	11	12
General and administrative	0	0	0	0	0	0	0	0
Net interest income	12	10	11	11	12	11	10	11
Non-interest income	2	5	1	−2	2	1	1	1
Non-interest expense	10	9	8	8	9	9	9	9
Provision for credit losses	9	1	0	1	3	11	−0	−0
Income before tax	−6	6	4	0	1	−9	3	3
Income tax	−1	0	1	0	0	−3	1	1
Net income	−5	4	3	0	1	−6	2	3
Diluted EPS	$0.41	—	—	$0.47	$0.47	—	—	—

EBITDA is operating income plus depreciation and amortisation. EPS and share counts are restated for stock splits. A dash means the company did not report the line for that period; expense lines are shown as reported, so they need not add up to the totals when a company reports other items between them.

Compare with peers

Head to head: CBFV vs PBHC CBAN vs PBHC PBHC vs RVSB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Pathfinder Bancorp, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Pathfinder Bancorp, Inc.