13 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | — | -$2M | — | — | $10M | $58M | $31M |
| 2024 | — | $3M | — | — | $9M | $88M | $32M |
| 2023 | — | $9M | — | — | $13M | $176M | $49M |
| 2022 | — | $13M | — | — | $20M | $116M | $35M |
| 2021 | — | $12M | — | — | $19M | $77M | $37M |
| 2020 | — | $7M | — | — | $45M | $82M | $43M |
| 2019 | — | $4M | — | — | $5M | $93M | $20M |
| 2018 | — | $4M | — | — | $3M | $119M | $26M |
| 2017 | — | $3M | — | — | $5M | $74M | $22M |
| 2016 | — | $3M | — | — | — | $59M | — |
| 2015 | — | $3M | — | — | — | $41M | — |
| 2014 | — | $3M | — | — | — | $66M | — |
| 2013 | — | $2M | — | — | — | — | — |
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | — | $2M | — | — | -$489000 | $27M | $39M |
| Dec '25 | — | -$6M | — | — | $2M | $58M | $31M |
| Sep '25 | — | $626000 | — | — | $7M | $57M | $41M |
| Jun '25 | — | $31000 | — | — | -$4M | $96M | $31M |
| Mar '25 | — | $3M | — | — | $5M | $45M | $51M |
| Dec '24 | — | $4M | — | — | -$3M | $88M | $32M |
| Sep '24 | — | -$5M | — | — | $11M | $100M | $35M |
| Jun '24 | — | $2M | — | — | $637000 | $173M | $32M |
| Mar '24 | — | $2M | — | — | $274000 | $137M | $29M |
| Dec '23 | — | $3M | — | — | $8M | $176M | $49M |
| Sep '23 | — | $2M | — | — | $4M | $111M | $24M |
| Jun '23 | — | $2M | — | — | -$5M | $129M | $37M |
| Mar '23 | — | $3M | — | — | $6M | $99M | $32M |
| Dec '22 | — | $4M | — | — | $9M | $116M | $35M |
| Sep '22 | — | $3M | — | — | $5M | $66M | $44M |
| Jun '22 | — | $3M | — | — | $2M | $76M | $38M |
| Mar '22 | — | $3M | — | — | $3M | $63M | $37M |
| Dec '21 | — | $4M | — | — | $4M | $77M | $37M |
| Sep '21 | — | $3M | — | — | $7M | $67M | $75M |
| Jun '21 | — | $3M | — | — | $5M | $84M | $41M |
How the market has priced PBHC against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
See the revenue and net-income charts above for Pathfinder Bancorp, Inc.'s multi-year trend.
As of FY2025, Pathfinder Bancorp, Inc. reported $58M of total debt against $31M of cash.
In FY2025, gross margin was —, operating margin —, and net margin —.
As of Jun '26, Pathfinder Bancorp, Inc. traded at a price-to-earnings ratio of about 19.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E and dividend yield have moved with the share price. These are computed facts, not advice.
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.