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Pathfinder Bancorp profit margin PBHC

Gross, operating and net profit as a share of revenue over the last twelve months, from 2014.

Net margin, 12 months
0.3%
Net margin on a year earlier
−4.2 pts
Peer median
16.8%

Over the twelve months to Jun 30, 2026, Pathfinder Bancorp kept 0.3% of its revenue as net profit.

Five years earlier its net margin was 20.7%.

The median for 10 regional banks of a similar size is 16.8%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY2025−4.1%
FY20246.7%
FY202321.1%
FY202227.3%
FY202127.9%
FY202018.2%
FY201912.9%
FY201813.6%
FY201712.8%
FY201613.4%
FY201512.5%
FY201412.7%
FY2013n/a

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY260.3%−4.2 pts
Q1 FY26−5.5%−13.6 pts
Q4 FY25−4.1%−10.8 pts
Q3 FY2515.0%+10.6 pts
Q2 FY254.5%−15.8 pts
Q1 FY258.1%−12.0 pts
Q4 FY246.7%−14.4 pts
Q3 FY244.4%−17.6 pts
Q2 FY2420.3%−3.6 pts
Q1 FY2420.2%−6.1 pts
Q4 FY2321.1%−6.3 pts
Q3 FY2322.0%−7.2 pts

Against its peers

Companies in Banks - Regional nearest Pathfinder Bancorp's size, closest first, today.

CompanyProfit margin
PBHCPathfinder Bancorp0.3%
PROVProvident Financial16.6%
UNBUnion Bankshares21.2%
SFBCSound Financial Bancorp19.9%
BSBKBogota Financial14.4%
AUBNAuburn National Bancorporation24.5%
FUSBFirst US Bancshares18.6%
FNWBFirst Northwest Bancorp2.2%
FDSBFifth District Bancorp11.1%
WSBKWinchester Bancorp16.8%
CPBICentral Plains Bancsharesn/m
Peer median16.8%

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on Pathfinder Bancorp

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.