Pathfinder Bancorp (PBHC) Revenue & Revenue Breakdown

Pathfinder Bancorp's yearly revenue for 2025 was $79.15M, representing a decrease of -5.19% compared to 2024. The company's yearly revenue for 2024 was $83.48M, representing an increase of 16.24% compared to 2023. PBHC's yearly revenue for 2023 was $71.82M, representing an increase of 27.44% compared to 2022.

Pathfinder Bancorp's quarterly revenue for Q1 2026 was $18.83M, a -3.95% decrease from the previous quarter (Q4 2025), and a -8.75% decrease year-over-year (Q1 2025). The company's quarterly revenue for Q4 2025 was $19.61M, a -7.68% decrease from the previous quarter (Q3 2025), and a -5.66% decrease year-over-year (Q4 2024). PBHC's quarterly revenue for Q3 2025 was $21.24M, a 20.24% increase from the previous quarter (Q2 2025), and a -6.16% decrease year-over-year (Q3 2024).

Pathfinder Bancorp's revenue growth rate for the last 3 years (2023-2025) was 10.20%, and for the last 5 years (2021-2025) was 55.09%.

Pathfinder Bancorp's revenue streams in c 25 are Investment Services Revenue, Insufficient Funds Fees Deposit Account, Fee Income, Deposit Related Fees Deposit Account, Deposit Account, Debit Card, Credit and Debit Card, Mortgage Banking, Net Gains Losses On Sale Of Loans And Foreclosed Real Estate, Credit Card, Merchant Discount, Banking, Banking House Rents Collected, Bank Servicing, A T M Fees Surcharge, and A T M Fees Deposit Account. Investment Services Revenue generated $139K in revenue, accounting 1.26% of the company's total revenue, down -70.43% year-over-year. Insufficient Funds Fees Deposit Account generated $874K in revenue, accounting 7.90% of the company's total revenue, up 6.72% year-over-year. Fee Income generated $783K in revenue, accounting 7.08% of the company's total revenue, down -60.43% year-over-year. Deposit Related Fees Deposit Account generated $580K in revenue, accounting 5.24% of the company's total revenue, up 8.61% year-over-year. Deposit Account generated $1.54M in revenue, accounting 13.91% of the company's total revenue, up 7.17% year-over-year. Debit Card generated $510K in revenue, accounting 4.61% of the company's total revenue, down -41.71% year-over-year. Credit and Debit Card generated $577K in revenue, accounting 5.22% of the company's total revenue, down -38.35% year-over-year. Mortgage Banking generated $788K in revenue, accounting 7.12% of the company's total revenue, up 40.21% year-over-year. Net Gains Losses On Sale Of Loans And Foreclosed Real Estate generated $402K in revenue, accounting 3.63% of the company's total revenue, up 114.97% year-over-year. Credit Card, Merchant Discount generated $67K in revenue, accounting 0.61% of the company's total revenue, up 9.84% year-over-year. Banking generated $3.69M in revenue, accounting 33.33% of the company's total revenue, down -24.95% year-over-year. Banking House Rents Collected generated $372K in revenue, accounting 3.36% of the company's total revenue, up 91.75% year-over-year. Bank Servicing generated $386K in revenue, accounting 3.49% of the company's total revenue, up 2.93% year-over-year. A T M Fees Surcharge generated $272K in revenue, accounting 2.46% of the company's total revenue, up 12.40% year-over-year. A T M Fees Deposit Account generated $85K in revenue, accounting 0.77% of the company's total revenue, up 2.41% year-over-year.

For the fiscal year ending Dec 25, the largest source of revenue of Pathfinder Bancorp was Banking. This segment made a revenue of $3.69M, representing 33.33% of the company's total revenue.