Pathfinder Bancorp

Pathfinder Bank is the oldest financial institution in Oswego County, New York. But the only hint of "old-fashioned" you'll find here is in our commitment to customer service and community involvement. As for the accounts and services we offer, though, we're proudly cutting edge. It is both through our innovative philosophy and listening closely to customer needs that we have remained a step ahead of the banking industry since 1859. Our aim is to provide all the advanced conveniences the national "megabanks" offer, without the hassles, headaches, and mismanagement that is the hallmark of those banks. We believe we've hit our mark. Our Mission To foster relationships with individuals and businesses within our communities to be the financial provider of choice. Our goal is to continually enhance the value of the bank for the benefit of our shareholders, customers, employees and communities.
Oswego, US
Size (employees)
124 (est)
Pathfinder Bancorp was founded in 1859 and is headquartered in Oswego, US

Pathfinder Bancorp Office Locations

Pathfinder Bancorp has an office in Oswego
Oswego, US (HQ)
214 W 1st St

Pathfinder Bancorp Data and Metrics

Pathfinder Bancorp Financial Metrics

Pathfinder Bancorp's revenue was reported to be $28.3 m in FY, 2016 which is a 10% increase from the previous period.
Numbers are in $, USD

Revenue (FY, 2016)

28.3 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

24.5 m

Gross profit margin (FY, 2016), %


EBIT (FY, 2016)

19.3 m

Market capitalization (26-May-2017)

62.7 m

Closing share price (26-May-2017)

Pathfinder Bancorp's current market capitalization is $62.7 m.
Numbers are in $, USDFY, 2014FY, 2015FY, 2016


19.7 m25.6 m28.3 m

Revenue growth, %


Cost of goods sold

2.7 m3.8 m

Gross profit

22.9 m24.5 m

Gross profit Margin, %


Sales and marketing expense

10.2 m11.5 m

R&D expense

1.6 m1.7 m

Operating expense total

11.8 m13.2 m


17.4 m19.3 m

EBIT margin, %


Pre tax profit

4 m4.4 m

Income tax expense

1.1 m1.1 m

Net Income

2.8 m2.9 m
Numbers are in $, USDFY, 2013FY, 2014FY, 2015FY, 2016

Accounts Receivable

8.3 m14.4 m


951 k1.3 m

Accounts Payable

2.1 m3.3 m
Numbers are in $, USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

2.4 m2.8 m

Depreciation and Amortization

716 k817 k1 m1 m

Accounts Receivable


1.1 m(136 k)187 k

Accounts Payable

(213 k)292 k626 k

Cash From Operating Activities

5.1 m5 m6.3 m6.4 m

Cash From Investing Activities

(21.4 m)(64.5 m)(61.5 m)(121.5 m)

Short-term Borrowings

15 m31.1 m(30.3 m)17.1 m

Cash From Financing Activities

24.2 m54.2 m59.1 m122.3 m

Interest Paid

3.3 m2.6 m2.5 m3.9 m

Income Taxes Paid

967 k631 k1.2 m970 k
Numbers are in $, USDY, 2016


228 k

Pathfinder Bancorp Market Value History

Pathfinder Bancorp Company Life and Culture

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