Pathfinder Bancorp, Inc. (PBHC) Earnings History
Annual and quarterly earnings data from 1996 to 2025
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PBHC EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
PBHC Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 38.5% | -5.2% | -4.3% |
| 2024 | 42.1% | 6.2% | 4.1% |
| 2023 | 55.9% | 16.4% | 12.9% |
| 2022 | 77.9% | 27.8% | 22.9% |
| 2021 | 83.2% | 31.4% | 24.3% |
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Pathfinder Bancorp, Inc. (PBHC) Earnings Overview
As of May 8, 2026, Pathfinder Bancorp, Inc. (PBHC) reported trailing twelve-month net income of -$3M, reflecting -228.6% year-over-year growth. The company earned $-0.54 per diluted share over the past four quarters, with a net profit margin of -4.3%.
Looking at the long-term picture, PBHC's historical earnings data spans multiple years. The company achieved its highest annual net income of $13M in fiscal 2022.
Pathfinder Bancorp, Inc. is currently reporting a net loss, though operating performance should be evaluated in the context of growth investments and industry dynamics View revenue history →
Compared to peers including CZWI ($14M net income, 16.0% margin), NECB ($44M net income, 28.2% margin), BWFG ($35M net income, 16.9% margin), PBHC has room to improve margins relative to the peer group. Compare PBHC vs CZWI →
PBHC Earnings vs Peers
Earnings metrics vs comparable public companies
PBHC Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | -$3M | -201.0% | -$4M | $-0.54 | -4.3% | -5.2% |
| 2024 | $3M | -63.6% | $5M | $0.42 | 4.1% | 6.2% |
| 2023 | $9M | -28.1% | $12M | $1.51 | 12.9% | 16.4% |
| 2022 | $13M | +4.2% | $16M | $2.13 | 22.9% | 27.8% |
| 2021 | $12M | +78.5% | $16M | $2.07 | 24.3% | 31.4% |
| 2020 | $7M | +62.5% | $8M | $1.19 | 14.4% | 17.3% |
| 2019 | $4M | +6.1% | $5M | $0.80 | 9.3% | 11.9% |
| 2018 | $4M | +15.5% | $5M | $0.94 | 10.7% | 12.1% |
| 2017 | $3M | +6.7% | $4M | $0.72 | 10.7% | 13.3% |
| 2016 | $3M | +13.3% | $4M | $0.78 | 11.6% | 15.6% |
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Start ComparisonPBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
Is PBHC growing earnings?
PBHC EPS fell to $-0.54, with earnings declining -228.6%. This contrasts with the 5-year CAGR of N/A. TTM net income dropped to $-3M.
What are PBHC's profit margins?
Pathfinder Bancorp, Inc. net margin is -4.3%, with operating margin at -5.2%. Below-average margins reflect competitive or cost pressures.
How consistent are PBHC's earnings?
PBHC earnings data spans 1996-2025. The declining earnings trend is -228.6% YoY. Historical data enables comparison across business cycles.