Pathfinder Bancorp Inc. (PBHC)

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AI Score

Our AI model analyzes fundamental, technical, and statistical indicators to predict the probability of a bullish trend over the next three months.

We regularly update and refine our models to deliver the most reliable forecasts for you.

Bullish Probability	Sentiment	Score
+80%	Strong Buy	10
+75%	Buy	9
+70%	Buy	8
+60%	Buy	7
+50%	Hold	6
+45%	Hold	5
+40%	Hold	4
+35%	Sell	3
+30%	Sell	2
+20%	Strong Sell	1

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17.90

2.64%

After-hours Dec 13, 2024, 03:58 PM EST

Income Statement (Annual)

Get detailed income statement breakdowns, uncovering revenue, expenses, and much more.

Boring Mode

Year	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11	FY10	FY09	FY08	FY07	FY06	FY05	FY04	FY03	FY02	FY01	FY00	FY99	FY98	FY97	FY96
Revenue	41.18M	46.41M	43.70M	38.13M	33.15M	29.60M	27.30M	24.47M	22.94M	20.84M	19.04M	17.92M	17.45M	16.35M	14.67M	11.23M	11.71M	10.96M	10.78M	11.95M	11.94M	10.88M	9.71M	8.52M	8.90M	8.70M	1.64M	1.62M
Cost of Revenue	-	-	-	-	-	875.00K	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	41.18M	46.41M	43.70M	38.13M	33.15M	28.73M	27.30M	24.47M	22.94M	20.84M	19.04M	17.92M	17.45M	16.35M	14.67M	11.23M	11.71M	10.96M	10.78M	11.95M	11.94M	10.88M	9.71M	8.52M	8.90M	8.70M	1.64M	1.62M
Operating Income	11.78M	24.21M	15.91M	8.24M	5.44M	13.62M	10.70M	8.19M	6.62M	6.51M	6.52M	7.49M	7.71M	8.32M	8.69M	8.15M	10.15M	8.81M	6.77M	7.48M	8.20M	8.57M	10.63M	9.08M	8.30M	8.70M	9.51M	8.19M
Interest Income	67.09M	50.87M	45.52M	42.51M	41.76M	34.81M	29.41M	24.09M	21.42M	19.70M	18.88M	18.77M	18.45M	17.92M	17.81M	18.35M	17.31M	15.87M	15.10M	14.48M	15.28M	15.81M	16.34M	15.93M	14.70M	14.10M	14.17M	13.21M
Pretax Income	11.78M	15.69M	16.01M	8.34M	5.45M	4.55M	4.34M	4.41M	4.00M	3.95M	3.25M	3.58M	3.37M	3.51M	2.67M	471.00K	1.51M	1.27M	411.00K	1.91M	2.25M	1.54M	2.15M	552.17K	1.30M	1.70M	2.62M	1.78M
Net Income	9.29M	9.72M	12.41M	5.41M	4.28M	4.03M	3.01M	3.27M	2.89M	2.75M	2.41M	2.65M	2.32M	2.50M	1.61M	368.00K	1.12M	1.03M	462.00K	1.41M	1.65M	1.16M	1.60M	355.88K	900.00K	1.20M	1.85M	1.27M
Selling & General & Admin	17.48M	17.53M	19.01M	17.50M	17.38M	16.73M	14.98M	13.53M	12.22M	11.28M	10.48M	9.70M	9.07M	7.50M	6.88M	5.17M	5.09M	5.01M	5.12M	4.80M	4.45M	3.76M	2.98M	2.91M	3.30M	3.10M	2.92M	2.34M
Research & Development	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Other Expenses	-	-9.47M	-46.81M	-47.39M	-45.09M	-31.83M	-6.98M	-6.40M	-5.98M	-	-23.00M	-20.13M	-18.82M	-15.53M	693.00K	-8.25M	-6.66M	-7.16M	-9.14M	-9.27M	-8.20M	-6.07M	-2.06M	-2.35M	-3.90M	-3.10M	4.95M	4.23M
Operating Expenses	24.93M	905.00K	-27.80M	-29.88M	-27.71M	-15.11M	809.00K	730.00K	518.00K	537.00K	-12.52M	-10.44M	-9.75M	-8.03M	7.58M	-3.08M	-1.56M	-2.15M	-4.01M	-4.47M	-3.74M	-2.32M	919.63K	566.03K	-600.00K	-	7.87M	6.58M
Interest Expense	28.74M	9.70M	7.53M	10.86M	13.53M	9.04M	6.29M	3.80M	2.66M	2.61M	3.26M	3.91M	4.34M	4.81M	6.03M	7.67M	8.64M	7.54M	6.36M	5.57M	5.95M	7.02M	8.48M	8.53M	7.00M	7.00M	6.89M	6.41M
Selling & Marketing Expenses	671.00K	905.00K	1.20M	941.00K	962.00K	935.00K	809.00K	730.00K	518.00K	537.00K	537.00K	453.00K	437.00K	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cost & Expenses	24.93M	905.00K	-27.80M	-29.88M	-27.71M	-15.11M	809.00K	730.00K	518.00K	537.00K	-12.52M	-10.44M	-9.75M	-8.03M	6.88M	-3.08M	-1.56M	-2.15M	-4.01M	-4.47M	-3.74M	-2.32M	919.63K	566.03K	-600.00K	-	7.87M	6.58M
Income Tax	2.36M	2.66M	3.50M	1.29M	1.17M	546.00K	1.41M	1.11M	1.07M	1.15M	847.00K	929.00K	1.04M	1.01M	1.05M	103.00K	384.00K	242.00K	-51.00K	502.00K	600.92K	388.06K	543.74K	196.29K	400.00K	500.00K	762.09K	505.84K
Shares Outstanding (Basic)	6.03M	5.94M	5.22M	4.61M	4.46M	4.17M	4.08M	4.11M	4.12M	4.16M	4.15M	4.12M	4.10M	4.09M	4.09M	4.09M	4.11M	4.03M	4.01M	3.99M	4.00M	4.23M	4.26M	4.19M	4.38M	4.49M	7.10M	6.98M
Shares Outstanding (Diluted)	6.03M	5.94M	5.22M	4.61M	4.46M	4.27M	4.19M	4.19M	4.19M	4.20M	4.17M	4.15M	4.18M	4.10M	4.09M	4.09M	4.11M	4.13M	4.01M	4.06M	4.06M	4.33M	4.26M	4.19M	4.38M	4.71M	7.10M	6.98M
EPS (Basic)	1.16	1.64	2.38	1.17	0.80	0.97	0.74	0.79	0.67	0.64	0.58	0.53	0.32	0.50	0.37	0.09	0.27	0.25	0.12	0.35	0.41	0.27	0.38	0.09	0.21	0.27	0.40	0.18
EPS (Diluted)	1.16	1.64	2.38	1.17	0.80	0.94	0.72	0.78	0.66	0.63	0.58	0.53	0.32	0.50	0.37	0.09	0.27	0.25	0.12	0.35	0.41	0.27	0.38	0.09	0.21	0.25	0.40	0.18
EBITDA	-	16.39M	18.71M	9.72M	-	-	-	5.46M	-	-	3.84M	4.37M	5.20M	5.58M	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	-	711.00K	1.82M	1.73M	1.56M	1.20M	1.05M	1.03M	1.03M	831.00K	726.00K	788.00K	750.00K	644.00K	657.00K	838.00K	1.12M	1.26M	1.44M	1.36M	795.75K	523.83K	781.35K	794.66K	1.00M	500.00K	551.04K	563.86K