Pathfinder Bancorp, Inc. (PBHC) Earnings History
Net Loss30 years of earnings data (1996–2025) · Currently unprofitable on a TTM basis
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Pathfinder Bancorp, Inc. (PBHC) Earnings Overview
As of June 22, 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% |
| 2015 | $3M | +5.2% | $4M | $0.66 | 11.3% | 15.6% |
| 2014 | $3M | +14.1% | $4M | $0.63 | 11.7% | 16.9% |
| 2013 | $2M | -9.1% | $3M | $0.58 | 10.8% | 14.6% |
| 2012 | $3M | +14.0% | $4M | $0.53 | 12.1% | 16.4% |
| 2011 | $2M | -7.3% | $3M | $0.32 | 10.7% | 15.4% |
| 2010 | $3M | +55.1% | $4M | $0.50 | 11.8% | 16.6% |
| 2009 | $2M | +338.9% | $3M | $0.37 | 7.8% | 12.9% |
| 2008 | $368,000 | -67.2% | $471,000 | $0.09 | 1.7% | 2.2% |
| 2007 | $1M | +9.1% | $2M | $0.27 | 5.5% | 7.4% |
| 2006 | $1M | +122.5% | $1M | $0.25 | 5.6% | 6.9% |
| 2005 | $462,000 | -67.1% | $411,000 | $0.12 | 2.7% | 2.4% |
| 2004 | $1M | -14.9% | $2M | $0.35 | 8.0% | 10.9% |
| 2003 | $2M | +42.8% | $2M | $0.41 | 9.2% | 12.6% |
| 2002 | $1M | -27.8% | $2M | $0.27 | 6.5% | 8.6% |
| 2001 | $2M | +350.3% | $2M | $0.38 | 8.8% | 11.8% |
| 2000 | $355,882 | -61.7% | $552,169 | $0.09 | 2.1% | 3.2% |
| 1999 | $930,395 | -22.5% | $1M | $0.21 | 5.8% | 8.5% |
| 1998 | $1M | -35.3% | $2M | $0.25 | 7.6% | 10.8% |
| 1997 | $2M | +45.8% | $3M | $0.40 | 21.8% | 30.7% |
| 1996 | $1M | - | $2M | $0.18 | 15.8% | 22.1% |
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PBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
What is PBHC earnings per share (EPS)?
PBHC trailing twelve-month (TTM) diluted EPS is $-0.54, reflecting -228.6% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Pathfinder Bancorp, Inc.'s net income?
Pathfinder Bancorp, Inc. (PBHC) trailing twelve-month net income is $-3M as of 2025. Earnings declined -228.6% year-over-year.
Is PBHC profitable?
PBHC is not currently profitable on a TTM basis, reporting a net loss of $-3M. Net margin is -4.3%. Investors should monitor for a return to profitability.
What is PBHC's earnings growth rate?
PBHC compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are PBHC's profit margins?
Pathfinder Bancorp, Inc. net profit margin is -4.3%, operating margin is -5.2%, and gross margin is +38.5%. Below-average margins reflect competitive or cost pressures. Return on Equity is -2.8%.
Is PBHC growing earnings?
PBHC earnings are declining — EPS fell -228.6% year-over-year. TTM net income dropped to $-3M. This contrasts with the 5-year CAGR of N/A.
What was PBHC's best earnings year?
Pathfinder Bancorp, Inc.'s highest annual net income on record is $13M, achieved in fiscal year 2022. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were PBHC's earnings last quarter?
PBHC's most recent reported quarter was Q4 2025. Net income was $-7M with diluted EPS of $-1.11. For a full breakdown of all quarters, see the quarterly earnings table on this page.