Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc.

PBHC·NASDAQ

$13.65

+0.59%
Financial ServicesBanks - Regional

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

At a Glance

Live Snapshot
Market Cap$84.35M
EPS-0.5400
P/E Ratio-25.28
Earnings Date04/29/2026
-0.28%
Return on Invested Capital
-116%
3Y-106.0%
5Y-109.0%
10Y-112.0%
-2.82%
Return on Equity
-201%
3Y-124.0%
5Y-140.0%
10Y-150.0%
-0.24%
Return on Assets
-205%
3Y-126.0%
5Y-142.0%
10Y-155.0%
Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. Management Team

PBHC · NASDAQ
JP

Joseph P. McManus

Chief Information Officer

MJ

Mr. James A. Dowd CPA, CPA

President, Chief Executive Officer & Director

Compensation

$611,045

Born 1968(Age 58)
male
MR

Mr. Ronald A. Tascarella

SVice President & Chief Lending Officer

Compensation

$352,132

Born 1959(Age 67)
male
MJ

Mr. Joseph F. Serbun

Senior Vice President & Chief Credit Officer

Born 1961(Age 65)
male
MJ

Mr. Justin K. Bigham CPA

Senior Vice President & Chief Financial Officer

Born 1974(Age 52)
male
MR

Mr. Ronald G. Tascarella

Senior Vice President & Chief Lending Officer

Born 1985(Age 41)
male
MR

Mr. Robert G. Butkowski Jr.

Senior Vice President & Chief Operating Officer

Compensation

$297,290

Born 1976(Age 50)
male
MW

Mr. William D. O'Brien

Senior Vice President, Chief Risk Officer & Corporate Secretary

Compensation

$275,024

Born 1966(Age 60)
male
MR

Ms. Roberta Davis

Vice President & Financial Analyst

female
MH

Mr. Heather Bush

Vice President of Human Resources

male
pbhc

Pathfinder Bancorp, Inc. Insider Positioning

PBHC · NASDAQ

During the last 12 months, insiders have purchased $32K and sold $69K worth of PBHC shares, resulting in $36K of net selling activity.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

2.4K

32.34K

Sold

0

0.00

Net Activity

+32K

+$32K

6-9 Months

Bought

0

0.00

Sold

3.0K

34.05K

Net Activity

-34K

-$34K

9-12 Months

Bought

0

0.00

Sold

3.1K

34.56K

Net Activity

-35K

-$35K

Top Buyers

1
GAC

Gagas Adam C.

Director

2.0K shares2 transactions

$27K

2
ADA

Ayoub David A.

Director

425 shares1 transactions

$5K

Top Sellers

1
GAC

Gagas Adam C.

Director

3.1K shares1 transactions

$35K

2
DJA

Dowd James A.

Officer: President And Ceo

3.0K shares1 transactions

$34K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Negative insider sentiment with $36K net selling. Selling notably exceeds buying, warranting closer scrutiny of company fundamentals.

Buy/Sell Ratio

0.47:1

Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.

Insider Participation

Balanced

2 insider buyers and 2 sellers. Equal participation suggests mixed or neutral insider views.

SEC Filings

PBHC - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
DEF 14A

DEF 14A 2026

N/A

April 22, 2026
April 22, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 23, 2025
April 23, 2025
2025
DEF 14A

DEF 14A 2024

N/A

April 22, 2024
April 22, 2024
2024
DEF 14A

DEF 14A 2023

N/A

April 27, 2023
June 01, 2023
2023
DEF 14A

DEF 14A 2022

N/A

March 30, 2022
May 13, 2022
2022
DEF 14A

DEF 14A 2021

N/A

April 27, 2021
June 04, 2021
2021
DEF 14A

DEF 14A 2020

N/A

August 24, 2020
September 24, 2020
2020
DEF 14A

DEF 14A 2019

N/A

March 29, 2019
May 09, 2019
2019
DEF 14A

DEF 14A 2018

N/A

March 30, 2018
May 09, 2018
2018
DEF 14A

DEF 14A 2017

N/A

March 31, 2017
March 28, 2017
2017
Showing 1 to 10 of 12 filings