Financials in USD. Standardized financial statements.
A compact view of how Pathfinder Bancorp, Inc. turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $79.15M | $83.48M | $71.82M | $56.36M | $51.03M | $48.25M | $45.86M | $37.77M | $32.57M | $28.28M |
| Revenue Growth? | -5.2% | +16.2% | +27.4% | +10.4% | +5.8% | +5.2% | +21.4% | +16.0% | +15.2% | 0.0% |
| Cost of Revenue? | $48.66M | $48.34M | $31.67M | $12.45M | $8.55M | $15.57M | $15.49M | $10.54M | $8.06M | $4.76M |
| Gross Profit? | $30.49M | $35.14M | $40.15M | $43.91M | $42.48M | $32.68M | $30.36M | $27.23M | $24.51M | $23.52M |
| Gross Margin? | +38.5% | +42.1% | +55.9% | +77.9% | +83.2% | +67.7% | +66.2% | +72.1% | +75.3% | +83.2% |
| Operating Expenses? | $34.58M | $29.98M | $28.36M | $28.22M | $26.47M | $24.34M | $24.91M | $22.67M | $20.16M | $19.11M |
| Operating Income? | -$4.09M | $5.16M | $11.78M | $15.69M | $16.01M | $8.34M | $5.45M | $4.55M | $4.34M | $4.41M |
| EBITDA? | -$1.94M | $6.50M | $13.12M | $16.39M | $17.83M | $9.72M | $7.01M | $5.76M | $5.42M | $5.46M |
| Income Before Tax | -$4.09M | $5.16M | $11.78M | $15.69M | $16.01M | $8.34M | $5.45M | $4.55M | $4.34M | $4.41M |
| Income Tax Expense | -$676,000 | $332,000 | $2.36M | $2.66M | $3.50M | $1.29M | $1.17M | $546,000 | $922,000 | $1.11M |
| Net Income? | -$3.42M | $3.38M | $9.29M | $12.93M | $12.41M | $6.95M | $4.28M | $4.03M | $3.49M | $3.27M |
| EPS? | $-0.54 | $0.42 | $1.51 | $2.13 | $2.07 | $1.19 | $0.80 | $0.97 | $0.74 | $0.79 |
| Diluted EPS? | $-0.54 | $0.42 | $1.51 | $2.13 | $2.07 | $1.19 | $0.80 | $0.94 | $0.72 | $0.78 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality