Pathfinder Bancorp, Inc. (PBHC) Net Margin (2013 - 2026)
Pathfinder Bancorp's Net Margin was 88.66% in Q2 2026, up 13.37 percentage points from the prior quarter.
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Analysis
Pathfinder Bancorp, Inc. (PBHC) Net Margin (2013 - 2026) Analysis & Trends
On a trailing twelve-month basis, Pathfinder Bancorp's Net Margin was 2.85% through Jun 30, 2026, down 531.76 percentage points year-over-year; for FY2024, it came in at 308.95%, down 389.14 percentage points from FY2023.
- Net Margin shows a five-year change of -114.99 percentage points (FY2019 to FY2024).
- In earlier years, Net Margin was 698.08% in FY2023 (-424.79 pp), 1122.87% in FY2022 (+89.57 pp), 1033.30% in FY2021 (+467.33 pp) and 565.97% in FY2020 (+142.03 pp).
- The Q2 2026 figure marks the highest quarterly Net Margin since Q4 2024.
- The best year-over-year quarter for Net Margin over five years was Q4 2024 (a gain of 6994.48 percentage points); the worst was Q3 2024 (a drop of 1926.88 percentage points).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 22.54% |
| Mar 31, 2026 | 20.62% |
| Dec 31, 2025 | -46.13% |
| Sep 30, 2025 | 4.68% |
| Jun 30, 2025 | 0.33% |
| Mar 31, 2025 | 23.11% |
| Dec 31, 2024 | 25.05% |
| Sep 30, 2024 | -33.86% |
| Jun 30, 2024 | 18.32% |
| Mar 31, 2024 | 18.65% |
| Dec 31, 2023 | 23.71% |
| Sep 30, 2023 | 18.93% |
| Jun 30, 2023 | 17.95% |
| Mar 31, 2023 | 22.02% |
| Dec 31, 2022 | 26.53% |
| Sep 30, 2022 | 26.09% |
| Jun 30, 2022 | 28.42% |
| Mar 31, 2022 | 26.09% |
| Dec 31, 2021 | 33.17% |
| Sep 30, 2021 | 29.07% |
API Access
Pathfinder Bancorp, Inc. Net 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=net-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-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=net-margin&ticker=PBHC&period=max&api_key=YOUR_API_KEY");
const data = await res.json();