Finanzas de Pathfinder Bancorp Inc (MARYLAND) (PBHC)PBHCPathfinder Bancorp Inc (MARYLAND)

Evaluating the bottom line, Pathfinder Bancorp Inc (MARYLAND) maintains a gross margin of 792.56%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 206.74%, while the net margin is 169.54%. These profitability ratios, combined with a Return on Equity (ROE) of -4.41%, provide a clear picture of how effectively PBHC converts its operational activities into shareholder value.

In the context of the broader market, PBHC competes directly with industry leaders such as BOTJ and PNBK. With a market capitalization of $105.00M, it holds a significant position in the sector. When comparing efficiency, PBHC's gross margin of 792.56% stands against BOTJ's 81.26% and PNBK's N/A. Such benchmarking helps identify whether Pathfinder Bancorp Inc (MARYLAND) is trading at a premium or discount relative to its financial performance.

The company's revenue for Q3 2026 was $11.8 million, reflecting a 25% year-over-year decrease, and net income was $2.1 million, down from $2.7 million in Q2 2026. The gross margin for Q3 2026 was exceptionally high at 792.56%, but this is likely due to the significant revenue drop.