Pathfinder Bancorp Inc (MARYLAND) (PBHC) FinancialsPBHCPathfinder Bancorp Inc (MARYLAND)

Evaluating the bottom line, Pathfinder Bancorp Inc (MARYLAND) maintains a gross margin of N/A. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 26.56%, while the net margin is 22.99%. These profitability ratios, combined with a Return on Equity (ROE) of -1.52%, 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 AMBR and AUBN. With a market capitalization of $101.15M, it holds a significant position in the sector. When comparing efficiency, PBHC's gross margin of N/A stands against AMBR's 67.69% and AUBN's N/A. Such benchmarking helps identify whether Pathfinder Bancorp Inc (MARYLAND) is trading at a premium or discount relative to its financial performance.

Pathfinder's total revenue for Q4 2026 was $11.8 million, a significant drop from previous quarters, indicating potential challenges in maintaining growth. The net income for Q2 2026 was $2.068 million, showing some recovery after a loss in Q4 2025.