Pathfinder Bancorp, Inc. (PBHC) Revenue History
Annual and quarterly revenue from 2014 to 2025
Compound Annual Growth Rate (CAGR)
Loading revenue history...
PBHC Revenue Growth
Revenue Breakdown (FY 2025)
PBHC's revenue distribution by segment and geography for fiscal year 2025
By Product/Segment
PBHC Revenue Analysis (2014–2025)
As of May 8, 2026, Pathfinder Bancorp, Inc. (PBHC) generated trailing twelve-month (TTM) revenue of $79.1 million, reflecting moderate decline in growth of -5.7% year-over-year. The most recent quarter (Q4 2025) recorded $19.6 million in revenue, down 7.7% sequentially.
Looking at the longer-term picture, PBHC's 5-year compound annual growth rate (CAGR) stands at +10.4%, indicating consistent double-digit revenue growth. The company achieved its highest annual revenue of $83.5 million in 2024.
Revenue diversification analysis shows PBHC's business is primarily driven by Banking (33%), Deposit Account (14%), and Insufficient Funds Fees Deposit Account (8%).
When compared to Financial Services sector peers including CZWI, NECB, and BWFG. Compare PBHC vs CZWI →
PBHC Revenue vs Peers
Revenue metrics vs comparable public companies
| Company | TTM Revenue | YoY Growth | 5Y CAGR | Op. Margin | Compare |
|---|---|---|---|---|---|
| PBHCCurrent | $79M | -5.7% | +10.4% | -5.2% | |
 CZWI | $90M | - | - | 7.0% | |
 NECB | $157M | - | - | 39.6% | |
 BWFG | $208M | - | - | 23.3% | |
 NBTB | $867M | - | - | 25.3% | |
 TRST | $278M | - | - | 29.2% |
PBHC Historical Revenue Data (2014–2025)
| Year | Revenue | YoY % | Gross Profit | Gross Margin | Op. Income | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $79.1M | - | $30.5M | 38.5% | $-4,093,000 | -5.2% |
| 2024 | $83.5M | - | $35.1M | 42.1% | $5.2M | 6.2% |
| 2023 | $71.8M | - | $40.1M | 55.9% | $11.8M | 16.4% |
| 2022 | $56.4M | - | $43.9M | 77.9% | $15.7M | 27.8% |
| 2021 | $51.0M | - | $42.5M | 83.2% | $16.0M | 31.4% |
| 2020 | $48.2M | - | $32.7M | 67.7% | $8.3M | 17.3% |
| 2019 | $45.9M | - | $30.4M | 66.2% | $5.5M | 11.9% |
| 2018 | $37.8M | - | $27.2M | 72.1% | $4.6M | 12.1% |
| 2017 | $32.6M | - | $24.5M | 75.3% | $4.3M | 13.3% |
| 2016 | $28.3M | - | $23.5M | 83.2% | $4.4M | 15.6% |
See PBHC's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs PBHC Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare PBHC vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonPBHC — Frequently Asked Questions
Quick answers to the most common questions about buying PBHC stock.
Is PBHC's revenue growth accelerating or slowing?
PBHC revenue declined -5.7% year-over-year, contrasting with the 5-year CAGR of +10.4%. TTM revenue fell to $79M. This reverses the prior growth trend.
What is PBHC's long-term revenue growth rate?
Pathfinder Bancorp, Inc.'s 5-year revenue CAGR of +10.4% reflects the variable expansion pattern. Current YoY growth of -5.7% is below this long-term average.
How is PBHC's revenue distributed by segment?
PBHC reports revenue by product line and geographic region. Annual and quarterly breakdowns from 2014-2025 are available for download. Segment mix reveals concentration and diversification trends.