Pathfinder Bancorp (PBHC) Revenue & Revenue Breakdown
Pathfinder Bancorp Revenue Highlights
Latest Revenue (Y)
$72.74M
Latest Revenue (Q)
$10.40M
Main Segment (Y)
Banking
Pathfinder Bancorp Revenue by Period
Pathfinder Bancorp Revenue by Year
| Date | Revenue | Change |
|---|---|---|
| 2023-12-31 | $72.74M | 56.73% |
| 2022-12-31 | $46.41M | 6.20% |
| 2021-12-31 | $43.70M | 14.62% |
| 2020-12-31 | $38.13M | 15.03% |
| 2019-12-31 | $33.15M | 11.98% |
| 2018-12-31 | $29.60M | 8.42% |
| 2017-12-31 | $27.30M | 11.56% |
| 2016-12-31 | $24.47M | 6.68% |
| 2015-12-31 | $22.94M | 10.05% |
| 2014-12-31 | $20.84M | 9.50% |
| 2013-12-31 | $19.04M | 6.22% |
| 2012-12-31 | $17.92M | 2.66% |
| 2011-12-31 | $17.45M | 6.75% |
| 2010-12-31 | $16.35M | 11.48% |
| 2009-12-31 | $14.67M | 30.65% |
| 2008-12-31 | $11.23M | -4.13% |
| 2007-12-31 | $11.71M | 6.82% |
| 2006-12-31 | $10.96M | 1.66% |
| 2005-12-31 | $10.78M | -9.79% |
| 2004-12-31 | $11.95M | 0.06% |
| 2003-12-31 | $11.94M | 9.75% |
| 2002-12-31 | $10.88M | 12.07% |
| 2001-12-31 | $9.71M | 14.00% |
| 2000-12-31 | $8.52M | -4.29% |
| 1999-12-31 | $8.90M | 2.30% |
| 1998-12-31 | $8.70M | 430.37% |
| 1997-12-31 | $1.64M | 1.52% |
| 1996-12-31 | $1.62M | - |
Pathfinder Bancorp generated $72.74M in revenue during NA 2023, up 56.73% compared to the previous quarter, and up 245.74% compared to the same period a year ago.
Pathfinder Bancorp Revenue by Quarter
| Date | Revenue | Change |
|---|---|---|
| 2024-06-30 | $10.40M | -48.19% |
| 2024-03-31 | $20.08M | 2.38% |
| 2023-12-31 | $19.61M | 94.94% |
| 2023-09-30 | $10.06M | -4.50% |
| 2023-06-30 | $10.53M | 8.52% |
| 2023-03-31 | $9.71M | -24.25% |
| 2022-12-31 | $12.81M | 9.41% |
| 2022-09-30 | $11.71M | 6.29% |
| 2022-06-30 | $11.02M | 1.41% |
| 2022-03-31 | $10.87M | -0.65% |
| 2021-12-31 | $10.94M | -1.56% |
| 2021-09-30 | $11.11M | -3.01% |
| 2021-06-30 | $11.46M | 10.09% |
| 2021-03-31 | $10.40M | 8.07% |
| 2020-12-31 | $9.63M | -1.78% |
| 2020-09-30 | $9.80M | 6.88% |
| 2020-06-30 | $9.17M | -3.74% |
| 2020-03-31 | $9.53M | 4.80% |
| 2019-12-31 | $9.09M | 7.07% |
| 2019-09-30 | $8.49M | 7.14% |
| 2019-06-30 | $7.92M | 3.73% |
| 2019-03-31 | $7.64M | 2.06% |
| 2018-12-31 | $7.49M | 2.04% |
| 2018-09-30 | $7.34M | -2.07% |
| 2018-06-30 | $7.49M | 2.79% |
| 2018-03-31 | $7.29M | 1.43% |
| 2017-12-31 | $7.18M | 2.45% |
| 2017-09-30 | $7.01M | 5.55% |
| 2017-06-30 | $6.64M | 2.85% |
| 2017-03-31 | $6.46M | 1.73% |
| 2016-12-31 | $6.35M | 1.41% |
| 2016-09-30 | $6.26M | 4.04% |
| 2016-06-30 | $6.02M | 3.05% |
| 2016-03-31 | $5.84M | -1.85% |
| 2015-12-31 | $5.95M | -0.63% |
| 2015-09-30 | $5.99M | 6.36% |
| 2015-06-30 | $5.63M | 4.90% |
| 2015-03-31 | $5.37M | -5.91% |
| 2014-12-31 | $5.71M | 7.72% |
| 2014-09-30 | $5.30M | 6.00% |
| 2014-06-30 | $5.00M | 3.10% |
| 2014-03-31 | $4.85M | -1.14% |
| 2013-12-31 | $4.90M | 6.43% |
| 2013-09-30 | $4.61M | -7.99% |
| 2013-06-30 | $5.01M | 10.73% |
| 2013-03-31 | $4.52M | -4.24% |
| 2012-12-31 | $4.72M | 8.63% |
| 2012-09-30 | $4.35M | -2.69% |
| 2012-06-30 | $4.47M | 1.85% |
| 2012-03-31 | $4.38M | 5.08% |
| 2011-12-31 | $4.17M | -9.73% |
| 2011-09-30 | $4.62M | 2.64% |
| 2011-06-30 | $4.50M | 8.40% |
| 2011-03-31 | $4.16M | -2.42% |
| 2010-12-31 | $4.26M | 2.11% |
| 2010-09-30 | $4.17M | 5.76% |
| 2010-06-30 | $3.94M | -0.93% |
| 2010-03-31 | $3.98M | -8.65% |
| 2009-12-31 | $4.36M | 9.72% |
| 2009-09-30 | $3.97M | 12.84% |
| 2009-06-30 | $3.52M | 0.20% |
| 2009-03-31 | $3.51M | -1.24% |
| 2008-12-31 | $3.56M | 121.42% |
| 2008-09-30 | $1.61M | -45.52% |
| 2008-06-30 | $2.95M | -5.39% |
| 2008-03-31 | $3.12M | -4.03% |
| 2007-12-31 | $3.25M | - |
Pathfinder Bancorp generated $10.40M in revenue during Q2 2024, up -48.19% compared to the previous quarter, and up 107.15% compared to the same period a year ago.
Pathfinder Bancorp Revenue Breakdown
Pathfinder Bancorp Revenue Breakdown by Product
Annual Revenue by Product
| Product/Service | Dec 23 | Dec 22 | Dec 21 | Dec 20 | Dec 19 |
|---|---|---|---|---|---|
| Banking | $4.60M | $4.59M | $4.94M | $5.45M | $3.92M |
| A T M Fees Deposit Account | $127.00K | $167.00K | $183.00K | $151.00K | $90.00K |
| A T M Fees Surcharge | $225.00K | $229.00K | $227.00K | $213.00K | $226.00K |
| Bank Servicing | $307.00K | $363.00K | $246.00K | $361.00K | $211.00K |
| Credit Card, Merchant Discount | $60.00K | $70.00K | - | - | - |
| Banking House Rents Collected | $207.00K | $229.00K | $243.00K | $235.00K | $195.00K |
| Credit and Debit Card | $676.00K | $937.00K | - | - | - |
| Debit Card | $616.00K | $867.00K | $923.00K | $771.00K | $657.00K |
| Deposit Account | $1.25M | $1.13M | $1.46M | $1.40M | $1.39M |
| Deposit Related Fees Deposit Account | $436.00K | $390.00K | $393.00K | $373.00K | $179.00K |
| Fee Income | $2.19M | $2.03M | $1.92M | $1.68M | $1.52M |
| Insufficient Funds Fees Deposit Account | $686.00K | $569.00K | $888.00K | $871.00K | $1.12M |
| Insurance Commissions | $1.30M | $1.13M | $1.05M | $925.00K | $828.00K |
| Investment Services Revenue | $454.00K | $446.00K | $399.00K | $303.00K | $267.00K |
| Mortgage Banking | $488.00K | $500.00K | $559.00K | $1.54M | $275.00K |
| Net Gains Losses On Sale Of Loans And Foreclosed Real Estate | $181.00K | $137.00K | $313.00K | $1.18M | $64.00K |
| Financial Service, Other | - | $1.77M | - | - | - |
| Credit And Debit Card | - | - | $996.00K | $841.00K | $737.00K |
| Credit Card Merchant Discount | - | - | $73.00K | $70.00K | $80.00K |
| Financial Service Other | - | - | $1.06M | $917.00K | - |
Pathfinder Bancorp's latest annual revenue breakdown by segment (product or service), as of Dec 23: Banking (33.33%), Fee Income (15.86%), Insurance Commissions (9.44%), Deposit Account (9.04%), Insufficient Funds Fees Deposit Account (4.97%), Credit and Debit Card (4.90%), Debit Card (4.46%), Mortgage Banking (3.53%), Investment Services Revenue (3.29%), Deposit Related Fees Deposit Account (3.16%), Bank Servicing (2.22%), A T M Fees Surcharge (1.63%), Banking House Rents Collected (1.50%), Net Gains Losses On Sale Of Loans And Foreclosed Real Estate (1.31%), A T M Fees Deposit Account (0.92%), and Credit Card, Merchant Discount (0.43%).
Quarterly Revenue by Product
| Product/Service | Jun 24 | Mar 24 | Dec 23 | Sep 23 | Jun 23 | Mar 23 | Dec 22 | Sep 22 | Jun 22 | Mar 22 | Dec 21 | Sep 21 | Jun 21 | Mar 21 | Dec 20 | Sep 20 | Jun 20 | Mar 20 | Dec 19 | Sep 19 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Insufficient Funds Fees Deposit Account | $194.00K | $179.00K | $198.00K | $181.00K | $163.00K | $144.00K | $163.00K | $154.00K | $134.00K | $118.00K | $245.00K | $245.00K | $208.00K | $190.00K | $253.00K | $195.00K | $148.00K | $275.00K | $295.00K | $347.00K |
| Insurance Commissions | $260.00K | $397.00K | $303.00K | $310.00K | $271.00K | $420.00K | $288.00K | $258.00K | $288.00K | $299.00K | $326.00K | $211.00K | $232.00K | $279.00K | $191.00K | $215.00K | $184.00K | $335.00K | $208.00K | $168.00K |
| Investment Services Revenue | $115.00K | $142.00K | $94.00K | $128.00K | $97.00K | $135.00K | $81.00K | $140.00K | $128.00K | $97.00K | $86.00K | $68.00K | $163.00K | $83.00K | $68.00K | $87.00K | $81.00K | $68.00K | $64.00K | $58.00K |
| Mortgage Banking | $152.00K | $106.00K | $67.00K | $140.00K | $184.00K | $97.00K | $118.00K | $121.00K | $81.00K | $180.00K | $178.00K | $121.00K | $50.00K | $210.00K | $419.00K | $224.00K | $176.00K | $721.00K | $88.00K | $95.00K |
| A T M Fees Deposit Account | $22.00K | $21.00K | $23.00K | $50.00K | $28.00K | $26.00K | $29.00K | $60.00K | $39.00K | $39.00K | $40.00K | $46.00K | $53.00K | $44.00K | $43.00K | $44.00K | $38.00K | $26.00K | $21.00K | $24.00K |
| Net Gains Losses On Sale Of Loans And Foreclosed Real Estate | $40.00K | $18.00K | - | $41.00K | $117.00K | $25.00K | $15.00K | $47.00K | $12.00K | $63.00K | $87.00K | $67.00K | $39.00K | $120.00K | $276.00K | $134.00K | $97.00K | $672.00K | $21.00K | $38.00K |
| A T M Fees Surcharge | $58.00K | $50.00K | $57.00K | $61.00K | $59.00K | $48.00K | $57.00K | $66.00K | $59.00K | $48.00K | $55.00K | $62.00K | $59.00K | $51.00K | $46.00K | $57.00K | $56.00K | $54.00K | $53.00K | $68.00K |
| Bank Servicing | $112.00K | $88.00K | $69.00K | $99.00K | $67.00K | $72.00K | $103.00K | $74.00K | $69.00K | $117.00K | $91.00K | $54.00K | $11.00K | $90.00K | $143.00K | $90.00K | $79.00K | $49.00K | $67.00K | $57.00K |
| Banking House Rents Collected | $54.00K | $55.00K | $57.00K | $54.00K | $48.00K | $48.00K | $57.00K | $70.00K | $46.00K | $55.00K | $56.00K | $61.00K | $62.00K | $63.00K | $46.00K | $47.00K | $71.00K | $71.00K | $95.00K | $32.00K |
| Banking | $1.17M | $1.19M | $1.09M | $1.08M | $1.09M | $1.35M | $1.09M | $1.19M | $1.13M | $1.18M | $1.33M | $1.18M | $1.18M | $1.25M | $1.38M | $1.20M | $1.09M | $1.78M | $1.05M | $1.01M |
| Credit Card, Merchant Discount | $14.00K | $12.00K | $15.00K | $19.00K | $15.00K | $11.00K | $16.00K | $21.00K | $18.00K | - | - | - | - | - | - | - | - | - | - | - |
| Credit and Debit Card | $205.00K | $131.00K | $176.00K | $41.00K | $127.00K | $332.00K | $244.00K | $201.00K | $249.00K | - | - | - | - | - | - | - | - | - | - | - |
| Debit Card | $191.00K | $119.00K | $161.00K | $22.00K | $112.00K | $321.00K | $228.00K | $180.00K | $231.00K | $228.00K | $225.00K | $236.00K | $241.00K | $221.00K | $194.00K | $209.00K | $205.00K | $163.00K | $160.00K | $166.00K |
| Deposit Account | $330.00K | $309.00K | $336.00K | $343.00K | $303.00K | $267.00K | $250.00K | $334.00K | $283.00K | $259.00K | $382.00K | $393.00K | $357.00K | $331.00K | $397.00K | $339.00K | $303.00K | $356.00K | $362.00K | $399.00K |
| Deposit Related Fees Deposit Account | $114.00K | $109.00K | $115.00K | $112.00K | $112.00K | $97.00K | $58.00K | $120.00K | $110.00K | $102.00K | $97.00K | $102.00K | $96.00K | $97.00K | $101.00K | $100.00K | $117.00K | $55.00K | $46.00K | $28.00K |
| Fee Income | $487.00K | $644.00K | $511.00K | $553.00K | $475.00K | $651.00K | $483.00K | $534.00K | $521.00K | $499.00K | $523.00K | $402.00K | $516.00K | $476.00K | $351.00K | $406.00K | $392.00K | $528.00K | $420.00K | $326.00K |
| Financial Service, Other | - | - | - | - | - | - | $769.00K | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Credit And Debit Card | - | - | - | - | - | - | - | - | - | $244.00K | $244.00K | $259.00K | $256.00K | $236.00K | $213.00K | $229.00K | $220.00K | $179.00K | $182.00K | $187.00K |
| Credit Card Merchant Discount | - | - | - | - | - | - | - | - | - | $16.00K | $19.00K | $23.00K | $15.00K | $15.00K | $19.00K | $20.00K | $15.00K | $16.00K | $22.00K | $21.00K |
| Financial Service Other | - | - | - | - | - | - | - | - | - | - | $258.00K | $243.00K | $215.00K | $224.00K | $255.00K | $223.00K | - | - | - | - |
Pathfinder Bancorp's latest quarterly revenue breakdown by segment (product or service), as of Jun 24: Banking (33.33%), Fee Income (13.83%), Deposit Account (9.37%), Insurance Commissions (7.38%), Credit and Debit Card (5.82%), Insufficient Funds Fees Deposit Account (5.51%), Debit Card (5.42%), Mortgage Banking (4.32%), Investment Services Revenue (3.27%), Deposit Related Fees Deposit Account (3.24%), Bank Servicing (3.18%), A T M Fees Surcharge (1.65%), Banking House Rents Collected (1.53%), Net Gains Losses On Sale Of Loans And Foreclosed Real Estate (1.14%), A T M Fees Deposit Account (0.62%), and Credit Card, Merchant Discount (0.40%).
Pathfinder Bancorp Peer Comparison by Revenue
| Ticker | Company | Last Year Revenue | Last Quarter Revenue |
|---|---|---|---|
| PBHC | Pathfinder Bancorp | $72.74M | $10.40M |
| CWBC | Community West Bancshares | $61.39M | $27.26M |
| HMNF | HMN Financial | $43.48M | $14.79M |
| LSBK | Lake Shore Bancorp | $36.39M | $9.49M |
| MGYR | Magyar Bancorp | $30.42M | $12.74M |
| HVBC | HV Bancorp | $25.74M | $6.58M |
| HFBL | Home Federal Bancorp, Inc. of Louisiana | $23.45M | $8.40M |
| OFED | Oconee Federal Financial | $16.61M | $3.21M |
PBHC Revenue FAQ
What is Pathfinder Bancorp’s yearly revenue?
Pathfinder Bancorp's yearly revenue for 2023 was $72.74M, representing an increase of 56.73% compared to 2022. The company's yearly revenue for 2022 was $46.41M, representing an increase of 6.20% compared to 2021. PBHC's yearly revenue for 2021 was $43.7M, representing an increase of 14.62% compared to 2020.
What is Pathfinder Bancorp’s quarterly revenue?
Pathfinder Bancorp's quarterly revenue for Q2 2024 was $10.4M, a -48.19% decrease from the previous quarter (Q1 2024), and a -1.26% decrease year-over-year (Q2 2023). The company's quarterly revenue for Q1 2024 was $20.08M, a 2.38% increase from the previous quarter (Q4 2023), and a 106.83% increase year-over-year (Q1 2023). PBHC's quarterly revenue for Q4 2023 was $19.61M, a 94.94% increase from the previous quarter (Q3 2023), and a 53.04% increase year-over-year (Q4 2022).
What is Pathfinder Bancorp’s revenue growth rate?
Pathfinder Bancorp's revenue growth rate for the last 3 years (2021-2023) was 66.45%, and for the last 5 years (2019-2023) was 119.45%.
What are Pathfinder Bancorp’s revenue streams?
Pathfinder Bancorp's revenue streams in c 23 are Banking, A T M Fees Deposit Account, A T M Fees Surcharge, Bank Servicing, Credit Card, Merchant Discount, Banking House Rents Collected, Credit and Debit Card, Debit Card, Deposit Account, Deposit Related Fees Deposit Account, Fee Income, Insufficient Funds Fees Deposit Account, Insurance Commissions, Investment Services Revenue, Mortgage Banking, and Net Gains Losses On Sale Of Loans And Foreclosed Real Estate. Banking generated $4.6M in revenue, accounting 33.33% of the company's total revenue, up 0.17% year-over-year. A T M Fees Deposit Account generated $127K in revenue, accounting 0.92% of the company's total revenue, down -23.95% year-over-year. A T M Fees Surcharge generated $225K in revenue, accounting 1.63% of the company's total revenue, down -1.75% year-over-year. Bank Servicing generated $307K in revenue, accounting 2.22% of the company's total revenue, down -15.43% year-over-year. Credit Card, Merchant Discount generated $60K in revenue, accounting 0.43% of the company's total revenue, down -14.29% year-over-year. Banking House Rents Collected generated $207K in revenue, accounting 1.50% of the company's total revenue, down -9.61% year-over-year. Credit and Debit Card generated $676K in revenue, accounting 4.90% of the company's total revenue, down -27.85% year-over-year. Debit Card generated $616K in revenue, accounting 4.46% of the company's total revenue, down -28.95% year-over-year. Deposit Account generated $1.25M in revenue, accounting 9.04% of the company's total revenue, up 10.92% year-over-year. Deposit Related Fees Deposit Account generated $436K in revenue, accounting 3.16% of the company's total revenue, up 11.79% year-over-year. Fee Income generated $2.19M in revenue, accounting 15.86% of the company's total revenue, up 7.78% year-over-year. Insufficient Funds Fees Deposit Account generated $686K in revenue, accounting 4.97% of the company's total revenue, up 20.56% year-over-year. Insurance Commissions generated $1.3M in revenue, accounting 9.44% of the company's total revenue, up 15.60% year-over-year. Investment Services Revenue generated $454K in revenue, accounting 3.29% of the company's total revenue, up 1.79% year-over-year. Mortgage Banking generated $488K in revenue, accounting 3.53% of the company's total revenue, down -2.40% year-over-year. Net Gains Losses On Sale Of Loans And Foreclosed Real Estate generated $181K in revenue, accounting 1.31% of the company's total revenue, up 32.12% year-over-year.
What is Pathfinder Bancorp’s main source of revenue?
For the fiscal year ending Dec 23, the largest source of revenue of Pathfinder Bancorp was Banking. This segment made a revenue of $4.6M, representing 33.33% of the company's total revenue.