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EBIT MarginEBITDA MarginEBT MarginFCF MarginFCF Payout RatioInterest Coverage RatioNet MarginReturn on SalesTimes Interest Earned

Pathfinder Bancorp (PBHC) EBITDA Margin (2017 - 2025)

Historic EBITDA Margin for Pathfinder Bancorp (PBHC) over the last 9 years, with Q3 2025 value amounting to 836.47%.

  • Pathfinder Bancorp's EBITDA Margin rose 5854100.0% to 836.47% in Q3 2025 from the same period last year, while for Sep 2025 it was 1132.21%, marking a year-over-year increase of 3195900.0%. This contributed to the annual value of 865.62% for FY2024, which is 148500.0% down from last year.
  • As of Q3 2025, Pathfinder Bancorp's EBITDA Margin stood at 836.47%, which was up 5854100.0% from 884.84% recorded in Q2 2025.
  • Over the past 5 years, Pathfinder Bancorp's EBITDA Margin peaked at 1492.76% during Q1 2025, and registered a low of 251.06% during Q3 2024.
  • For the 5-year period, Pathfinder Bancorp's EBITDA Margin averaged around 767.53%, with its median value being 717.22% (2022).
  • Its EBITDA Margin has fluctuated over the past 5 years, first plummeted by -7125400bps in 2024, then soared by 5854100bps in 2025.
  • Quarter analysis of 5 years shows Pathfinder Bancorp's EBITDA Margin stood at 485.38% in 2021, then skyrocketed by 48bps to 717.22% in 2022, then surged by 58bps to 1132.87% in 2023, then rose by 21bps to 1374.54% in 2024, then tumbled by -39bps to 836.47% in 2025.
  • Its EBITDA Margin stands at 836.47% for Q3 2025, versus 884.84% for Q2 2025 and 1492.76% for Q1 2025.