| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | -4.11% | 10.47% | 21.87% | 27.93% | 28.76% | 18.85% | 10.24% | 11.58% | 11.87% | 13.58% | 13.69% | 14.22% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | 0.51 | 0.62 | 0.71 | 0.83 | 0.88 | 1.23 | 1.03 | 1.84 | 1.19 | 1.01 | 0.58 | 0.96 |
| ROE | -1.58% | 3.97% | 7.83% | 11.68% | 11.31% | 7.21% | 4.72% | 6.25% | 5.62% | 5.61% | 4.12% | 4.05% |
| ROA | -0.14% | 0.33% | — | — | — | — | 0.39% | 0.43% | 0.40% | 0.44% | 0.47% | 0.50% |
| Asset Turnover | 0.03 | 0.03 | — | — | — | — | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 |
| Book Value / Share | 25.63 | 25.77 | 25.84 | 24.48 | 24.71 | 21.57 | 20.31 | 15.11 | 14.84 | 13.93 | 17.00 | 16.48 |
Pathfinder Bancorp Inc. is a bank holding company that primarily operates through its subsidiary, Pathfinder Bank. Its main function is to provide a wide range of community banking services, focusing on attracting deposits from the public and channeling these funds into loans secured by commercial and residential real estate, as well as commercial business and consumer lending. The company also invests in mortgage-backed securities, collateralized mortgage obligations, and other asset-backed securities from both government-sponsored and private issuers. Pathfinder Bancorp Inc. serves its local markets through a network of over a dozen full-service branch offices, primarily in Oswego and Onondaga counties, with an additional limited-purpose office in Oneida County. The company’s loan portfolio includes municipal loans, home equity loans and lines, and various consumer credit products. By concentrating on diversified lending and prudent investment strategies, Pathfinder Bancorp Inc. plays a significant role in supporting economic activity within its regional markets and contributing to the stability and competitiveness of the banking sector.