Pathfinder Historical Income Statement

PBHC Stock

USD 12.72 0.06 0.47%

Historical analysis of Pathfinder Bancorp income statement accounts such as Gross Profit of 76.4 M, Other Operating Expenses of 64.1 M, Total Operating Expenses of 10.4 M or Income Before Tax of 12.4 M can show how well Pathfinder Bancorp performed in making a profits. Evaluating Pathfinder Bancorp income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Pathfinder Bancorp's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Pathfinder Bancorp latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Pathfinder Bancorp is a good buy for the upcoming year.

Net Income Gross Profit

Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

About Pathfinder Income Statement Analysis

Pathfinder Bancorp Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Pathfinder Bancorp shareholders. The income statement also shows Pathfinder investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Pathfinder Bancorp Income Statement Chart

Pathfinder Bancorp Income Statement is one of the three primary financial statements used for reporting Pathfinder's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Pathfinder Bancorp revenue and expense. Pathfinder Bancorp Income Statement primarily focuses on the company's revenues and expenses during a particular period.

At present, Pathfinder Bancorp's Total Revenue is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit is expected to grow to about 76.4 M, whereas Depreciation And Amortization is forecasted to decline to about 1.1 M.

Selling General Administrative Total Revenue Gross Profit Income Before Tax Interest Income

Total Revenue

Total revenue comprises all receipts Pathfinder Bancorp generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Pathfinder Bancorp minus its cost of goods sold. It is profit before Pathfinder Bancorp operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Income Before Tax

Income Before Tax which can also be referred as pre-tax income is reported on Pathfinder Bancorp income statement and is an important metric when analyzing Pathfinder Bancorp profitability. Accounting techniques because taxes can be complex, and not perfectly consistent from one company to company, an analyst may use pre-tax income as a more stable measure of profitability.

Interest Income

Income earned from the investment of cash or from lending money to others, including interest from bank accounts, bonds, or other interest-bearing investments.

Most accounts from Pathfinder Bancorp's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Pathfinder Bancorp current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Pathfinder Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in rate.

For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.At present, Pathfinder Bancorp's Total Revenue is projected to increase significantly based on the last few years of reporting. The current year's Gross Profit is expected to grow to about 76.4 M, whereas Depreciation And Amortization is forecasted to decline to about 1.1 M.

	2021	2022	2023	2024 (projected)
Interest Expense	7.5M	9.7M	28.7M	30.2M
Depreciation And Amortization	1.8M	1.1M	1.4M	1.1M

Interest Expense Depreciation And Amortization

Pathfinder Bancorp income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Net Income From Continuing Ops	Selling And Marketing Expenses	Minority Interest	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.39	0.86	0.58	0.58	-0.09	0.14	0.12	0.17	-0.51	0.65	0.36	0.58	0.63	-0.73	0.66	0.88	0.06	0.59	0.74	0.74	0.51	-0.11
Interest Expense	0.39		0.24	0.89	0.89	0.76	-0.45	-0.5	-0.47	0.28	0.56	0.84	-0.01	0.5	-0.57	0.44	0.3	-0.41	0.33	0.65	0.75	-0.34	-0.88
Selling General Administrative	0.86	0.24		0.53	0.53	-0.14	0.33	0.31	0.35	-0.45	0.6	0.13	0.61	0.52	-0.72	0.66	0.8	0.15	0.46	0.73	0.73	0.31	0.06
Total Revenue	0.58	0.89	0.53		1.0	0.55	-0.2	-0.26	-0.22	0.18	0.8	0.79	0.3	0.75	-0.75	0.67	0.5	-0.38	0.56	0.81	0.84	-0.21	-0.8
Gross Profit	0.58	0.89	0.53	1.0		0.55	-0.21	-0.26	-0.22	0.18	0.8	0.79	0.3	0.75	-0.74	0.67	0.5	-0.38	0.56	0.81	0.84	-0.21	-0.8
Other Operating Expenses	-0.09	0.76	-0.14	0.55	0.55		-0.61	-0.65	-0.64	0.55	0.08	0.64	-0.47	0.07	-0.19	-0.05	-0.2	-0.34	-0.18	0.14	0.3	-0.62	-0.78
Operating Income	0.14	-0.45	0.33	-0.2	-0.21	-0.61		1.0	1.0	-0.26	0.32	-0.7	0.78	0.24	-0.07	0.45	0.42	-0.03	0.35	0.28	0.1	0.41	0.56
Ebit	0.12	-0.5	0.31	-0.26	-0.26	-0.65	1.0		1.0	-0.29	0.28	-0.74	0.76	0.19	-0.04	0.4	0.4	0.01	0.31	0.23	0.05	0.44	0.6
Ebitda	0.17	-0.47	0.35	-0.22	-0.22	-0.64	1.0	1.0		-0.31	0.31	-0.71	0.78	0.23	-0.08	0.44	0.44	0.01	0.35	0.27	0.09	0.46	0.58
Total Operating Expenses	-0.51	0.28	-0.45	0.18	0.18	0.55	-0.26	-0.29	-0.31		-0.04	0.22	-0.41	0.01	0.36	-0.1	-0.51	-0.16	-0.18	-0.1	-0.07	-0.83	-0.48
Income Before Tax	0.65	0.56	0.6	0.8	0.8	0.08	0.32	0.28	0.31	-0.04		0.44	0.78	0.95	-0.73	0.95	0.68	-0.51	0.91	0.93	0.83	0.15	-0.43
Total Other Income Expense Net	0.36	0.84	0.13	0.79	0.79	0.64	-0.7	-0.74	-0.71	0.22	0.44		-0.15	0.49	-0.48	0.29	0.11	-0.36	0.35	0.43	0.53	-0.28	-0.85
Net Income	0.58	-0.01	0.61	0.3	0.3	-0.47	0.78	0.76	0.78	-0.41	0.78	-0.15		0.71	-0.55	0.82	0.73	-0.25	0.8	0.7	0.52	0.55	0.17
Income Tax Expense	0.63	0.5	0.52	0.75	0.75	0.07	0.24	0.19	0.23	0.01	0.95	0.49	0.71		-0.58	0.88	0.6	-0.52	0.91	0.82	0.72	0.16	-0.43
Cost Of Revenue	-0.73	-0.57	-0.72	-0.75	-0.74	-0.19	-0.07	-0.04	-0.08	0.36	-0.73	-0.48	-0.55	-0.58		-0.68	-0.67	0.26	-0.56	-0.78	-0.77	-0.23	0.37
Net Income From Continuing Ops	0.66	0.44	0.66	0.67	0.67	-0.05	0.45	0.4	0.44	-0.1	0.95	0.29	0.82	0.88	-0.68		0.66	-0.47	0.91	0.95	0.86	0.15	-0.21
Selling And Marketing Expenses	0.88	0.3	0.8	0.5	0.5	-0.2	0.42	0.4	0.44	-0.51	0.68	0.11	0.73	0.6	-0.67	0.66		0.04	0.56	0.73	0.67	0.61	-0.07
Minority Interest	0.06	-0.41	0.15	-0.38	-0.38	-0.34	-0.03	0.01	0.01	-0.16	-0.51	-0.36	-0.25	-0.52	0.26	-0.47	0.04		-0.56	-0.38	-0.34	0.16	0.41
Tax Provision	0.59	0.33	0.46	0.56	0.56	-0.18	0.35	0.31	0.35	-0.18	0.91	0.35	0.8	0.91	-0.56	0.91	0.56	-0.56		0.8	0.67	0.29	-0.2
Net Interest Income	0.74	0.65	0.73	0.81	0.81	0.14	0.28	0.23	0.27	-0.1	0.93	0.43	0.7	0.82	-0.78	0.95	0.73	-0.38	0.8		0.97	0.09	-0.37
Interest Income	0.74	0.75	0.73	0.84	0.84	0.3	0.1	0.05	0.09	-0.07	0.83	0.53	0.52	0.72	-0.77	0.86	0.67	-0.34	0.67	0.97		-0.03	-0.43
Reconciled Depreciation	0.51	-0.34	0.31	-0.21	-0.21	-0.62	0.41	0.44	0.46	-0.83	0.15	-0.28	0.55	0.16	-0.23	0.15	0.61	0.16	0.29	0.09	-0.03		0.42
Extraordinary Items	-0.11	-0.88	0.06	-0.8	-0.8	-0.78	0.56	0.6	0.58	-0.48	-0.43	-0.85	0.17	-0.43	0.37	-0.21	-0.07	0.41	-0.2	-0.37	-0.43	0.42

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Pathfinder Bancorp Account Relationship Matchups

Pathfinder Bancorp income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	1.5M	1.4M	1.8M	1.1M	1.4M	1.1M
Interest Expense	13.5M	10.9M	7.5M	9.7M	28.7M	30.2M
Selling General Administrative	16.4M	16.6M	17.8M	16.6M	16.8M	9.5M
Total Revenue	33.1M	38.1M	43.7M	46.4M	72.9M	76.5M
Gross Profit	33.1M	38.1M	43.7M	46.4M	72.7M	76.4M
Other Operating Expenses	27.7M	(29.9M)	(27.8M)	905K	61.1M	64.1M
Operating Income	5.4M	8.2M	15.9M	24.2M	(129K)	(122.6K)
Ebit	5.4M	8.2M	15.9M	24.2M	(1.5M)	(1.4M)
Ebitda	7.0M	9.6M	17.7M	25.3M	(129K)	(122.6K)
Total Operating Expenses	(27.7M)	(29.9M)	(27.8M)	905K	9.9M	10.4M
Income Before Tax	5.5M	8.3M	16.0M	15.7M	11.8M	12.4M
Total Other Income Expense Net	10K	96K	103K	(8.5M)	11.8M	12.4M
Net Income	4.3M	7.0M	12.4M	12.9M	2.1M	3.2M
Income Tax Expense	1.2M	1.3M	3.5M	2.7M	2.4M	2.5M
Net Income Applicable To Common Shares	3.6M	5.4M	12.4M	12.9M	14.9M	15.6M
Net Income From Continuing Ops	4.3M	7.0M	12.5M	13.0M	10.4M	5.8M
Selling And Marketing Expenses	962K	941K	1.2M	905K	671K	815.1K
Minority Interest	235K	266K	(103K)	(101K)	(115K)	(109.3K)
Tax Provision	1.2M	2.0M	3.5M	2.7M	2.2M	1.8M
Net Interest Income	28.0M	32.0M	38.0M	41.2M	40.5M	31.2M
Interest Income	41.5M	42.9M	45.5M	50.9M	63.9M	41.1M
Reconciled Depreciation	1.6M	1.4M	1.8M	1.1M	533K	985.9K

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When determining whether Pathfinder Bancorp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Pathfinder Bancorp's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Pathfinder Bancorp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Pathfinder Bancorp Stock:

How To Invest In Pathfinder

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Is Pathfinder Stock a good investment?

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What is Pathfinder Bancorp's Net Worth?

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For information on how to trade Pathfinder Stock refer to our How to Trade Pathfinder Stock guide.

Note that the Pathfinder Bancorp information on this page should be used as a complementary analysis to other Pathfinder Bancorp's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Portfolio Comparator module to compare the composition, asset allocations and performance of any two portfolios in your account.

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When running Pathfinder Bancorp's price analysis, check to measure Pathfinder Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pathfinder Bancorp is operating at the current time. Most of Pathfinder Bancorp's value examination focuses on studying past and present price action to predict the probability of Pathfinder Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pathfinder Bancorp's price. Additionally, you may evaluate how the addition of Pathfinder Bancorp to your portfolios can decrease your overall portfolio volatility.

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Is Pathfinder Bancorp's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Pathfinder Bancorp. If investors know Pathfinder will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Pathfinder Bancorp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.29)

Dividend Share

0.36

Earnings Share

1.51

Revenue Per Share

6.826

Quarterly Revenue Growth

(0.08)

The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Pathfinder Bancorp's value and its price as these two are different measures arrived at by different means. Investors typically determine if Pathfinder Bancorp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Pathfinder Bancorp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Pathfinder Historical Income Statement

About Pathfinder Income Statement Analysis

Pathfinder Bancorp Income Statement Chart

Total Revenue

Gross Profit

Income Before Tax

Interest Income

Pathfinder Bancorp income statement Correlations

Pathfinder Bancorp Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Pathfinder Bancorp income statement Accounts

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Gross Profit	+ 1.0	Total Revenue
Ebit	+ 1.0	Operating Income
Ebitda	+ 1.0	Operating Income
Ebitda	+ 1.0	Ebit
Interest Income	+ 0.97	Net Interest Income
Income Tax Expense	+ 0.95	Income Before Tax

Extraordinary Items	- 0.88	Interest Expense
Extraordinary Items	- 0.85	Total Other Income Expense Net
Reconciled Depreciation	- 0.83	Total Operating Expenses
Extraordinary Items	- 0.8	Gross Profit
Extraordinary Items	- 0.8	Total Revenue
Net Interest Income	- 0.78	Cost Of Revenue