Pathfinder Bancorp, Inc. (PBHC)
Operating cash flow minus capital spending left $10.4M of free cash flow in fiscal 2025. At June 30, 2026 it held $26.1M in cash against $8.4M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on August 13, 2026.
Key facts about Pathfinder Bancorp, Inc.
- Net worth
- Pathfinder Bancorp, Inc. has a market value (market cap) of $81.9M at the latest share price, and shareholders' equity of $125.7M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $11.7M of cash; after $1.3M of capital spending, free cash flow was $10.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on August 13, 2026 and covers the period to June 30, 2026. Open on SEC EDGAR
- Next earnings report
- Pathfinder Bancorp, Inc.'s next report was expected around October 29, 2026 and is not on file with the SEC yet.
- Dividend
- Pathfinder Bancorp, Inc. declared dividends of $0.40 per share in fiscal 2025, a yield of 2.39% at the current price.
What Pathfinder Bancorp, Inc. does
Pathfinder Bancorp, Inc. is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker PBHC.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | -$1.9M | n/a | $10.4M |
| 2024 | n/a | $3.4M | n/a | $9.1M |
| 2023 | n/a | $9.3M | n/a | $13.5M |
| 2022 | n/a | $12.9M | n/a | $19.8M |
| 2021 | n/a | $12.4M | n/a | $18.9M |
| 2020 | n/a | $7M | $1.17 | $45.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Pathfinder Bancorp, Inc. declared $0.40 per share in fiscal 2025. At the current price that is a yield of 2.39%. It paid out $1.9M in cash dividends.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.40 | $1.9M | n/a |
| 2024 | $0.40 | $1.8M | 54% |
| 2023 | $0.36 | $1.7M | 18% |
| 2022 | $0.36 | $1.6M | 12% |
| 2021 | $0.28 | $1.2M | 10% |
| 2020 | $0.24 | $1.1M | 16% |
Latest SEC filings
What Pathfinder Bancorp, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- September 28, 2026Other event 8-K
- August 13, 2026
- July 30, 2026
- June 29, 2026Other event 8-K
- June 17, 2026
- June 4, 2026
- June 4, 2026
- May 15, 2026
- May 7, 2026
- April 29, 2026
Insider trades
What the people running Pathfinder Bancorp, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| June 15, 2026 | Polniak JosephFVP, General Counsel | Bought | 1,000 | $15.9K |
| June 2, 2026 | Dowd James A.President and CEO | Boughtindirect | 1,400 | $19.2K |
| May 4, 2026 | Dowd James A.President and CEO | Exercised options | 2,816 | $32K |
| May 4, 2026 | O'Brien William DSenior Vice President | Exercised options | 7,908 | $89.8K |
| May 4, 2026 | Littlejohn MelanieDirector | Exercised options | 8,787 | $99.7K |
| May 4, 2026 | Littlejohn MelanieDirector | Exercised options | 7,913 | $106.7K |
| March 31, 2026 | Polniak JosephFVP, General Counsel | Received as pay | 8,000 | - |
| March 13, 2026 | Gagas Adam C.Director | Exercised options | 8,787 | $99.7K |
Who owns PBHC
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| AllianceBernstein L.P.13G, passive | 10.1% | December 4, 2025 |
| Minerva Advisors LLC13G, passive with 4 related filers | 5.5% | February 17, 2026 |
| Pathfinder Bank Employee Stock Ownership Plan Trust13G, passive | 5.1% | February 13, 2026 |
Largest institutional holders
Insiders
9 insiders reported holding 425,000 shares in total, about $7.1M at the last price.
| Holder | Shares |
|---|---|
| Gagas Adam C.Director | 184,252148,664 held indirectly |
| Dowd James A.President and CEO | 90,97219,452 held indirectly |
| Ayoub David A.Director | 39,98619,188 held indirectly |
| O'Brien William DSenior Vice President | 31,420 |
| Barclay William ADirector | 28,774 |
| Butkowski Robert G. Jr.Senior Vice President | 19,436 |
| Tascarella Ronald G.Senior Vice President | 16,771 |
| Polniak JosephFVP, General Counsel | 9,000 |
| Littlejohn MelanieDirector | 4,389 |
Questions about PBHC
What does Pathfinder Bancorp, Inc. do?
Pathfinder Bancorp, Inc. is a company in the Finance sector, listed on NASDAQ as PBHC. Its shares trade on NASDAQ under the ticker PBHC.
What is Pathfinder Bancorp, Inc.'s net worth?
Pathfinder Bancorp, Inc. has a market value (market cap) of $81.9M at the latest share price, and shareholders' equity of $125.7M on its balance sheet at June 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Pathfinder Bancorp, Inc. profitable?
Yes. Over the twelve months to June 30, 2026 it reported net income of $143K.
When did Pathfinder Bancorp, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on August 13, 2026. It covers the period to June 30, 2026. Its newest filing of any kind is the other event from September 28, 2026.
When is Pathfinder Bancorp, Inc.'s next earnings report?
Pathfinder Bancorp, Inc.'s next report was expected around October 29, 2026 and is not on file with the SEC yet.
Does Pathfinder Bancorp, Inc. pay a dividend?
Yes. Pathfinder Bancorp, Inc. declared dividends of $0.40 per share in fiscal 2025, a yield of 2.39% at the current price.
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Where the numbers come from
Financial figures are the values Pathfinder Bancorp, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.