NASDAQ:PBHC · NASDAQ Capital Market
+$0.29 today
Vol 0.09M · Avg 0.00M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of Pathfinder Bancorp, Inc. earnings power becomes long-term shareholder value. Use this page to compare PBHC returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
-2.8%
avg 5.8%
ROIC
-0.3%
avg 2.6%
ROA
-0.2%
avg 0.5%
Analysis
ROA is currently the strongest return metric at -0.2% versus its period average of 0.5%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
James A. Dowd | President, Chief Executive Officer & Director | $648,374.00 | — | 58 | $19,452.00 | 0.31% |
Justin K. Bigham | Executive VP & CFO | $416,476.00 | — | 52 | $0.00 | <0.01% |
Ronald G. Tascarella | Senior Vice President & Chief Lending Officer | $352,132.00 | — | 41 | $0.00 | <0.01% |
Ronald A. Tascarella | Senior Vice President & Chief Lending Officer | $352,132.00 | — | 67 | $19,452.00 | 0.31% |
Joseph F. Serbun | Senior Vice President & Chief Credit Officer | $315,865.00 | — | 65 | $9,000.00 | 0.15% |
Robert G. Butkowski Jr. | Senior Vice President & Chief Operating Officer | $297,290.00 | — | 50 | $0.00 | <0.01% |
William D. O'Brien | Senior VP & Chief Risk Officer | $275,024.00 | — | 60 | $31,420.00 | 0.51% |
James Beames | First VP & Corporate Treasurer | — | — | — | $19,452.00 | 0.31% |
Erica Muscatello | Vice President of Marketing and Communications | — | — | — | — | — |
Heather L. Vashaw | Vice President of Human Resources | — | — | — | — | — |
Heather Bush | Vice President of Human Resources | — | — | — | — | — |
Theresa L. Colburn | Vice President of Compliance/BSA Officer/OFAC | — | — | — | — | — |
Regina E. Bass | First VP & Corporate Controller | — | — | — | $0.00 | <0.01% |
Joseph J. Polniak | First VP, General Counsel & Corporate Secretary | — | — | 43 | $9,000.00 | 0.15% |
Roberta Davis | Vice President & Financial Analyst | — | — | — | — | — |
Joseph McManus | Senior Vice President & Chief Information Officer | — | — | 44 | $9,000.00 | 0.15% |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
5
$67,386.25
Sells
0
$0.00
Net Sentiment
+$67,386.25
Net buying
Most Active
Gagas Adam C.
2 transactions
Analysis
Insiders reported 5 buys worth $67,386.25 and 0 sells worth $0.00 over the last 12 months. That adds up to net buying of $67,386.25. Gagas Adam C. was the most active insider with 2 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | +7.6% | N/A — |
| Revenue | N/A | N/A | +5.5% | N/A — |
| Net Income | N/A | N/A | +2.9% | N/A — |
| EBIT | N/A | N/A | +3.8% | N/A — |
Analysis
Recent growth has been strongest in EPS at +7.6% over three years.
Competitors
Peer companies in the same sector
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Who manages PBHC?
Pathfinder Bancorp, Inc. (PBHC) lists 16 active executives. The top listed executive is Justin K. Bigham, Executive VP & CFO.
Are PBHC insiders buying or selling?
Recent insider activity shows net selling of $326,695.24.
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