PATHFINDER BANCORP, INC.
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $372.0M | $194.0M | $44.1M | $47.3M | $44.5M | $38.1M | $33.1M | $29.6M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | $475.0K | $539.0K | $735.0K | $688.0K | $725.0K | $507.0K | $427.0K | $422.0K |
| Operating Income | $-4.1M | $5.2M | $40.5M | $25.4M | $23.5M | $19.2M | $19.0M | $13.6M |
| Operating Margin | -1.1% | 2.7% | 91.9% | 53.6% | 52.9% | 50.4% | 57.3% | 45.9% |
| Interest Expense | — | — | $28.7M | $9.7M | $7.5M | $10.9M | $13.5M | $9.0M |
| Pretax Income | $-4.1M | $5.2M | $11.8M | $15.7M | $16.0M | $8.3M | $5.5M | $4.6M |
| Income Tax Expense | $-2.2M | $332.0K | $2.4M | $2.7M | $3.5M | $2.7M | $1.2M | $546.0K |
| Net Income | $-1.9M | $3.4M | $9.3M | $12.9M | $12.4M | $7.0M | $4.3M | $4.0M |
| Net Margin | -0.5% | 1.7% | 21.1% | 27.3% | 27.9% | 18.2% | 12.9% | 13.6% |
| EPS (Basic) | — | — | — | — | — | $1.17 | $0.80 | $0.97 |
| EPS (Diluted) | — | — | — | — | — | $1.17 | $0.80 | $0.94 |
| Shares Outstanding (Basic) | 4.7M | 4.7M | 4.7M | 4.7M | 6.0M | 4.6M | 4.5M | 4.2M |
| Shares Outstanding (Diluted) | 4.7M | 4.7M | 4.7M | 4.7M | 6.0M | 4.6M | 4.5M | 4.3M |
| Dividends Per Share | $0.40 | $0.40 | $0.36 | $0.36 | $0.28 | $0.24 | $0.24 | $0.24 |