Pathfinder Bancorp, Inc. (PBHC) — SEC Filings
Pathfinder Bancorp, Inc. (PBHC) — 44 SEC filings. Latest: 8-K (Apr 29, 2026). Includes 28 8-K, 6 10-Q, 3 10-K.
View Pathfinder Bancorp, Inc. on SEC EDGAR
Overview
Pathfinder Bancorp, Inc. (PBHC) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 29, 2026: Pathfinder Bancorp, Inc. filed an 8-K on April 29, 2026, reporting results of operations and financial condition. The filing includes financial statements and exhibits, with the primary document being an iXBRL 8-K filing.
Sentiment Summary
Across 44 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 41 neutral. The dominant filing sentiment for Pathfinder Bancorp, Inc. is neutral.
Filing Type Overview
Pathfinder Bancorp, Inc. (PBHC) has filed 1 4, 28 8-K, 1 ARS, 3 10-K, 6 10-Q, 2 DEF 14A, 1 SC 13G, 2 SC 13G/A with the SEC between Feb 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (44)
Risk Profile
Risk Assessment: Of PBHC's 40 recent filings, 1 were flagged as high-risk, 11 as medium-risk, and 28 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Total Assets | $1.43 billion |
Key Executives
- James A. Dowd
- Thomas Schneider
- John A. Adams Jr.
- Michael J. Roffler
- Thomas J. O'Brien
- John A. Adams III
- John P. Doino
- Scott R. Bush
- Michael J. Miller
- John A. DeMarco
- Michael J. Dowling
- John R. Knab
- David P. Cohen
Industry Context
Pathfinder Bancorp, Inc. operates within the community banking sector, characterized by a focus on local markets and relationship-based lending. The competitive landscape includes 14 institutions across Oswego and Onondaga Counties, with PBHC holding a significant 43.9% deposit share in Oswego County. The industry is influenced by interest rate environments, regulatory oversight, and local economic drivers, with emerging opportunities from large-scale investments like semiconductor manufacturing.
Top Tags
8-k (8) · financial-reporting (8) · 8-K (8) · sec-filing (6) · financials (6) · disclosure (5) · results-of-operations (4) · 10-Q (4) · banking (4) · Regional Banking (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Total consolidated assets | $1.43 billion | As of December 31, 2025, indicating the company's overall size. |
| Total deposits | $1.18 billion | As of December 31, 2025, representing a primary funding source. |
| Shareholders' equity | $122.5 million | As of December 31, 2025, reflecting the company's book value. |
| Oswego County deposit market share | 43.9% | As of June 30, 2025, indicating strong local market dominance. |
| Onondaga County deposit market share | 3.7% | As of June 30, 2025, showing a smaller but significant presence in a key growth market. |
| Combined Oswego and Onondaga County deposit market share | 8.6% | As of June 30, 2025, ranking fourth among 14 institutions. |
| Shares of common stock outstanding | 6,185,644 | As of December 31, 2025, including voting and non-voting shares. |
| Aggregate market value of non-affiliate common equity | $80.0 million | As of June 30, 2025, based on a $15.34 share price. |
| Target commercial real estate loan size | $500,000 to $2.0 million | Reflects the company's strategic focus on increasing commercial lending. |
| Pre-tax gain from Whispering Oaks Development Corp. | $11,000 | In 2025, from real estate-related projects. |
| Net Income | $3.631M | Nine months ended Sept 30, 2025, up from a $0.524M loss in 2024. |
| Provision for Credit Losses | $5.148M | Nine months ended Sept 30, 2025, a significant decrease from $9.985M in 2024. |
| Net Interest Income | $33.825M | Nine months ended Sept 30, 2025, an increase from $30.612M in 2024. |
| Total Interest Expense | $24.534M | Nine months ended Sept 30, 2025, a decrease from $28.219M in 2024. |
| Total Noninterest Income | $1.182M | Nine months ended Sept 30, 2025, a decrease from $4.655M in 2024. |
Forward-Looking Statements
- {"claim":"The Pathfinder Bank Employee Stock Ownership Plan Trust will likely maintain a stable ownership percentage in Pathfinder Bancorp, Inc. in the near future.","entity":"Pathfinder Bank Employee Stock Ownership Plan Trust","targetDate":"December 31, 2024","confidence":"high"}
- {"claim":"Minerva Advisors LLC will maintain a passive investment strategy in Pathfinder Bancorp, Inc.","entity":"Minerva Advisors LLC","targetDate":"December 31, 2024","confidence":"high"}
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Frequently Asked Questions
What are the latest SEC filings for Pathfinder Bancorp, Inc. (PBHC)?
Pathfinder Bancorp, Inc. has 44 recent SEC filings from Feb 2024 to Apr 2026, including 28 8-K, 6 10-Q, 3 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of PBHC filings?
Across 44 filings, the sentiment breakdown is: 2 bullish, 1 bearish, 41 neutral. The dominant sentiment is neutral.
Where can I find Pathfinder Bancorp, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Pathfinder Bancorp, Inc. (PBHC) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Pathfinder Bancorp, Inc.?
Key financial highlights from Pathfinder Bancorp, Inc.'s most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for PBHC?
The investment thesis for PBHC includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Pathfinder Bancorp, Inc.?
Key executives identified across Pathfinder Bancorp, Inc.'s filings include James A. Dowd, Thomas Schneider, John A. Adams Jr., Michael J. Roffler, Thomas J. O'Brien and 8 others.
What are the main risk factors for Pathfinder Bancorp, Inc. stock?
Of PBHC's 40 assessed filings, 1 were flagged high-risk, 11 medium-risk, and 28 low-risk.
What are recent predictions and forward guidance from Pathfinder Bancorp, Inc.?
Recent forward-looking statements from Pathfinder Bancorp, Inc. include guidance on {"claim":"The Pathfinder Bank Employee Stock Ownership Plan Trust will likely maintain a stable ownership percentage in and 1 other predictions.