Pathfinder Bancorp (PBHC)
Bank holding company for a Central New York community commercial bank.
$15.65
At close+0.08 (+0.51%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19 | 19 | 20 | 20 | 23 | 21 | 21 | 18 | 21 | 20 | 19 | 19 |
| Cost of revenue | 8 | 9 | 10 | 10 | 18 | 10 | 8 | 10 | 12 | 19 | 7 | 7 |
| Gross profit | 10 | 10 | 10 | 10 | 4 | 11 | 12 | 8 | 10 | 1 | 12 | 12 |
| 7 | 7 | 7 | 8 | 10 | 5 | 8 | 8 | 9 | 9 | 9 | 9 | |
| 5 | 4 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 7 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 4 | 4 | 5 | 5 | 5 | 4 | 5 | 5 | 5 | 5 | 6 | 7 |
| Other expenses | 3 | 3 | 3 | 3 | 5 | 0 | 4 | 3 | 4 | 4 | 3 | 2 |
| Operating income | 3 | 3 | 3 | 2 | −6 | 6 | 4 | 0 | 1 | −9 | 3 | 3 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 18 | 18 | 18 | 19 | 21 | 19 | 19 | 19 | 20 | 18 | 18 | 18 |
| Interest expense | 8 | 9 | 9 | 10 | 9 | 9 | 8 | 8 | 8 | 8 | 7 | 8 |
| Other non-operating income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −8 |
| Income before tax | 3 | 3 | 3 | 2 | −6 | 6 | 4 | 0 | 1 | −9 | 3 | 3 |
| Income tax expense | 1 | 1 | 1 | 0 | −1 | 0 | 1 | 0 | 0 | −1 | 1 | 1 |
| Net income from continuing operations | 2 | 3 | 2 | 2 | −5 | 5 | 3 | 0 | 1 | −7 | 2 | 3 |
| Net income | 2 | 3 | 2 | 2 | −5 | 4 | 3 | 0 | 1 | −7 | 2 | 3 |
| EPS, basic | $0.35 | $0.41 | $0.34 | $0.32 | −$0.75 | $0.69 | $0.48 | $0.01 | $0.10 | −$1.12 | $0.39 | $0.42 |
| EPS, diluted | $0.35 | $0.41 | $0.34 | $0.32 | −$0.75 | $0.69 | $0.41 | $0.01 | $0.10 | −$1.11 | $0.38 | $0.42 |
| Weighted average shares, basic | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 5 |
| Weighted average shares, diluted | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 | 5 |
| EBITDA | 3 | 4 | 3 | 3 | −5 | 6 | 4 | 1 | 1 | −8 | 4 | 11 |
| Depreciation & amortization | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 0 |
| EBIT | 3 | 3 | 3 | 2 | −6 | 6 | 4 | 0 | 1 | −9 | 3 | 11 |