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Pathfinder Bancorp (PBHC) Net Margin: 2017-2025

Historic Net Margin for Pathfinder Bancorp (PBHC) over the last 9 years, with Sep 2025 value amounting to 45.20%.

  • Pathfinder Bancorp's Net Margin rose 28541.00% to 45.20% in Q3 2025 from the same period last year, while for Sep 2025 it was 147.68%, marking a year-over-year increase of 11673.00%. This contributed to the annual value of 52.21% for FY2024, which is 10034.00% down from last year.
  • According to the latest figures from Q3 2025, Pathfinder Bancorp's Net Margin is 45.20%, which was up 1,617.76% from 2.63% recorded in Q2 2025.
  • Over the past 5 years, Pathfinder Bancorp's Net Margin peaked at 286.91% during Q1 2025, and registered a low of -240.20% during Q3 2024.
  • For the 3-year period, Pathfinder Bancorp's Net Margin averaged around 113.07%, with its median value being 137.47% (2023).
  • Its Net Margin has fluctuated over the past 5 years, first slumped by 39,294bps in 2024, then spiked by 28,541bps in 2025.
  • Quarterly analysis of 5 years shows Pathfinder Bancorp's Net Margin stood at 219.14% in 2021, then surged by 2,561bps to 244.75% in 2022, then tumbled by 6,844bps to 176.31% in 2023, then skyrocketed by 9,694bps to 273.25% in 2024, then surged by 28,541bps to 45.20% in 2025.
  • Its last three reported values are 45.20% in Q3 2025, 2.63% for Q2 2025, and 286.91% during Q1 2025.