Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of -1.70% is 110% below its 5-year average of 16.21%, around the middle of its 5-year range (-35.95%–31.29%).
37.53% below its 12-month average of -1.24%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 13.83%.
NET PROFIT MARGIN
-1.70%
NET PROFIT MARGIN AVG TTM
-1.24%
NET PROFIT MARGIN AVG 3Y
10.88%
NET PROFIT MARGIN AVG 5Y
16.21%
NET PROFIT MARGIN AVG 10Y
13.08%
NET PROFIT MARGIN AVG 15Y
11.84%
NET PROFIT MARGIN AVG 20Y
10.75%
CURRENT VS TTM AVG
-37.53%
CURRENT VS 3Y AVG
-115.63%
CURRENT VS 5Y AVG
-110.49%
CURRENT VS 10Y AVG
-113.00%
CURRENT VS 15Y AVG
-114.35%
CURRENT VS 20Y AVG
-115.82%
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-112.87%
vs the sector median at left
Pathfinder Bancorp, Inc.
Market Cap
$106.05M
Net Profit Margin
-1.70%
TTM Avg
-1.24%
3Y Avg
10.88%
5Y Avg
16.21%
Market Cap
$105.71M
Net Profit Margin
13.42%
TTM Avg
11.98%
3Y Avg
16.11%
5Y Avg
18.99%
Market Cap
$106.56M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$105.42M
Net Profit Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$107.12M
Net Profit Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$104.87M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$107.32M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$107.35M
Net Profit Margin
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$108.03M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Pathfinder Bancorp, Inc. (PBHC) | $106.05M | -1.70% | -1.24% | 10.88% | 16.21% |
| Union Bankshares, Inc. (UNB)vs › | $105.71M | 13.42% | 11.98% | 16.11% | 18.99% |
| Twelve Seas Investment Company II (TWLV)vs › | $106.56M | 0.00% | 0.00% | 0.00% | 0.00% |
| Maywood Acquisition Corp. 2 Class A Ordinary Share (MYX)vs › | $105.42M | N/A | N/A | N/A | N/A |
| TCGX Acquisition Corp. Class A Ordinary Shares (TCGX)vs › | $107.12M | N/A | N/A | N/A | N/A |
| ChampionsGate Acquisition Corporation Class A Ordinary Share (CHPG)vs › | $104.87M | 0.00% | 0.00% | 0.00% | 0.00% |
| BHAV Acquisition Corp Class A Ordinary Shares (BHAV)vs › | $107.32M | 0.00% | 0.00% | 0.00% | 0.00% |
| Research Alliance Corporation III Class A Ordinary Shares (RACC)vs › | $107.35M | N/A | N/A | N/A | N/A |
| Quartzsea Acquisition Corporation (QSEA)vs › | $108.03M | 0.00% | 0.00% | 0.00% | 0.00% |
| Broadway Financial Corp. (BYFC)vs › | $108.04M | -29.33% | -18.20% | -3.19% | -5.12% |
Operating Margin
-2.1%
Net Profit Margin
-1.7%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 13.83% |
| 2026-03-31 | 12.81% |
| 2025-12-31 | -35.95% |
| 2025-09-30 | 2.95% |
| 2025-06-30 | 0.18% |
| 2025-03-31 | 14.41% |
| 2024-12-31 | 18.80% |
| 2024-09-30 | -20.52% |
| 2024-06-30 | 10.00% |
| 2024-03-31 | 10.58% |
| 2023-12-31 | 13.05% |
| 2023-09-30 | 11.70% |
| 2023-06-30 | 11.37% |
| 2023-03-31 | 15.87% |
| 2022-12-31 | 20.87% |
| 2022-09-30 | 22.21% |
| 2022-06-30 | 25.67% |
| 2022-03-31 | 23.83% |
| 2021-12-31 | 31.29% |
| 2021-09-30 | 25.98% |
| 2021-06-30 | 22.61% |
| 2021-03-31 | 17.40% |
| 2020-12-31 | 16.27% |
| 2020-09-30 | 12.42% |
| 2020-06-30 | 15.56% |
| 2020-03-31 | 13.41% |
| 2019-12-31 | 15.04% |
| 2019-09-30 | 10.95% |
| 2019-06-30 | 5.47% |
| 2019-03-31 | 4.87% |
| 2018-12-31 | 11.73% |
| 2018-09-30 | 10.28% |
| 2018-06-30 | 10.26% |
| 2018-03-31 | 11.23% |
| 2017-12-31 | 9.53% |
| 2017-09-30 | 10.65% |
| 2017-06-30 | 11.31% |
| 2017-03-31 | 10.25% |
| 2016-12-31 | 12.86% |
| 2016-09-30 | 11.37% |
| 2016-06-30 | 12.07% |
| 2016-03-31 | 9.85% |
| 2015-12-31 | 11.57% |
| 2015-09-30 | 13.33% |
| 2015-06-30 | 11.10% |
| 2015-03-31 | 8.89% |
| 2014-12-31 | 13.23% |
| 2014-09-30 | 12.53% |
| 2014-06-30 | 11.94% |
| 2014-03-31 | 8.83% |
| 2013-12-31 | 9.72% |
| 2013-09-30 | 9.81% |
| 2013-06-30 | 14.09% |
| 2013-03-31 | 9.32% |
| 2012-12-31 | 12.89% |
| 2012-09-30 | 12.62% |
| 2012-06-30 | 13.20% |
| 2012-03-31 | 9.79% |
| 2011-12-31 | 8.33% |
| 2011-09-30 | 15.34% |
| 2011-06-30 | 10.46% |
| 2011-03-31 | 8.10% |
| 2010-12-31 | 12.58% |
| 2010-09-30 | 12.41% |
| 2010-06-30 | 10.68% |
| 2010-03-31 | 11.61% |
| 2009-12-31 | 7.67% |
| 2009-09-30 | 10.57% |
| 2009-06-30 | 0.61% |
| 2009-03-31 | 11.07% |
| 2008-12-31 | 10.64% |
| 2008-09-30 | -24.05% |
| 2008-06-30 | 6.23% |
| 2008-03-31 | 6.38% |
| 2007-12-31 | 9.01% |
| 2007-09-30 | 6.01% |
| 2007-06-30 | 3.31% |
| 2007-03-31 | 3.40% |
| 2006-12-31 | 6.30% |
| 2006-09-30 | 3.78% |
| 2006-06-30 | 6.68% |
| 2006-03-31 | 5.38% |
| 2005-12-31 | -0.85% |
| 2005-09-30 | 2.71% |
| 2005-06-30 | 5.40% |
| 2005-03-31 | 3.56% |
| 2004-12-31 | 4.50% |
| 2004-09-30 | 8.35% |
| 2004-06-30 | 11.51% |
| 2004-03-31 | 7.62% |
| 2003-12-31 | 7.37% |
| 2003-09-30 | 7.78% |
| 2003-06-30 | 10.65% |
| 2003-03-31 | 10.80% |
| 2002-12-31 | -2.62% |
| 2002-09-30 | 8.13% |
