Pathfinder Bancorp, Inc. (PBHC) EBT Margin (2013 - 2026)
Pathfinder Bancorp (PBHC) recorded EBT Margin of 108.80% in Q2 2026, up 15.10 percentage points from the prior quarter.
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Analysis
Pathfinder Bancorp, Inc. (PBHC) EBT Margin (2013 - 2026) Analysis & Trends
On a TTM basis, Pathfinder Bancorp's EBT Margin came in at -26.96% as of Jun 30, 2026, down 920.71 percentage points year-over-year; for FY2024, it came in at 480.89%, down 422.79 percentage points from FY2023.
- Annual EBT Margin has declined for three straight years, with a five-year change of -164.96 percentage points (FY2019 to FY2024).
- Across earlier years, EBT Margin came in at 903.68% in FY2023 (-487.19 pp), 1390.87% in FY2022 (-136.71 pp), 1527.58% in FY2021 (+654.17 pp) and 873.40% in FY2020 (+227.55 pp).
- The Q2 2026 figure is the highest quarterly EBT Margin since Q4 2024.
- Peak year-over-year performance for EBT Margin in the last five years was a gain of 10691.19 percentage points in Q4 2024, against a drop of 2469.96 percentage points in Q3 2024 at the low end.
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Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 27.66% |
| Mar 31, 2026 | 25.66% |
| Dec 31, 2025 | -72.07% |
| Sep 30, 2025 | 5.13% |
| Jun 30, 2025 | 0.41% |
| Mar 31, 2025 | 29.49% |
| Dec 31, 2024 | 37.63% |
| Sep 30, 2024 | -43.08% |
| Jun 30, 2024 | 23.32% |
| Mar 31, 2024 | 24.29% |
| Dec 31, 2023 | 30.24% |
| Sep 30, 2023 | 24.59% |
| Jun 30, 2023 | 23.15% |
| Mar 31, 2023 | 28.93% |
| Dec 31, 2022 | 30.24% |
| Sep 30, 2022 | 33.20% |
| Jun 30, 2022 | 36.09% |
| Mar 31, 2022 | 33.57% |
| Dec 31, 2021 | 44.75% |
| Sep 30, 2021 | 38.90% |
API Access
Pathfinder Bancorp, Inc. EBT Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebt-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebt-margin", "ticker": "PBHC", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebt-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();