Pathfinder Bancorp, Inc.
PBHC · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $83,481 | $71,820 | $56,356 | $51,032 |
| % Growth | 16.2% | 27.4% | 10.4% | – |
| Cost of Goods Sold | $48,341 | $31,674 | $12,449 | $8,554 |
| Gross Profit | $35,140 | $40,146 | $43,907 | $42,478 |
| % Margin | 42.1% | 55.9% | 77.9% | 83.2% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $18,726 | $16,805 | $16,628 | $15,258 |
| SG&A Expenses | $19,330 | $17,476 | $17,533 | $16,456 |
| Sales & Mktg Exp. | $604 | $671 | $905 | $1,198 |
| Other Operating Expenses | $10,650 | $10,886 | $10,685 | $10,013 |
| Operating Expenses | $29,980 | $28,362 | $28,218 | $26,469 |
| Operating Income | $5,160 | $11,784 | $15,689 | $16,009 |
| % Margin | 6.2% | 16.4% | 27.8% | 31.4% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $5,160 | $11,784 | $15,689 | $16,009 |
| Tax Expense | $332 | $2,362 | $2,656 | $3,499 |
| Net Income | $3,383 | $9,293 | $12,932 | $12,407 |
| % Margin | 4.1% | 12.9% | 22.9% | 24.3% |
| EPS | 0.42 | 1.51 | 2.13 | 2.07 |
| % Growth | -72.2% | -29.1% | 2.9% | – |
| EPS Diluted | 0.42 | 1.51 | 2.13 | 2.07 |
| Weighted Avg Shares Out | 6,094 | 4,653 | 4,559 | 4,478 |
| Weighted Avg Shares Out Dil | 6,094 | 4,653 | 4,559 | 4,478 |
| Supplemental Information | – | – | – | – |
| Interest Income | $77,737 | $67,090 | $50,869 | $45,518 |
| Interest Expense | $37,368 | $28,744 | $9,695 | $7,532 |
| Depreciation & Amortization | $1,337 | $1,340 | $700 | $1,817 |
| EBITDA | $6,497 | $13,124 | $16,389 | $17,826 |
| % Margin | 7.8% | 18.3% | 29.1% | 34.9% |