Pathfinder Bancorp, Inc.
PBHC · State Commercial Banks · 4.6M shares · +2%/yr ↑ shares · EDGAR filings ↗
Net buyback after stock comp: $2M (gross $2M)
Reference price $15.88 · est. market cap ~$72M — last insider purchase, 2026-06-15 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
D48Small NY commercial bank posting a loss year with negative ROE and ROA.
Strengths
- Clean, low leverage (debt/equity 0.11) and stable ~$1.4B deposit-funded balance sheet
- Market area positioned to benefit from regional semiconductor investment
Risks
- Negative ROE -1.6% and ROA -0.13% (both ~5th pct); net income down 157%
- Sub-30th-pct earnings power with no standout metric
Notable findings
- Insider buyingInsider buying — 5 open-market buy(s) by 4 insider(s) (cluster of 4 insiders, last 6mo) Form 4 ↗
Key metrics
Return on equity
-1.6%
Return on assets
-0.1%
Net-income growth
-157.1%
Debt / equity
0.1×
Free cash flow
$10M
Tangible book value
$112M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-15 | Polniak Joseph | Buy | 1.0K | $15.88 |
| 2026-06-02 | Dowd James A. | Buy | 1.4K | $13.69 |
| 2026-05-04 | Littlejohn Melanie | Option exercise | 8.8K | $11.35 |
| 2026-05-04 | Littlejohn Melanie | Option exercise | 7.9K | $13.48 |
| 2026-05-04 | O'Brien William D | Option exercise | 7.9K | $11.35 |
| 2026-05-04 | Dowd James A. | Option exercise | 2.8K | $11.35 |
| 2026-03-31 | Polniak Joseph | Grant | 8.0K | — |
| 2026-03-13 | Dowd James A. | Option exercise | 6.0K | $11.35 |
| 2026-03-13 | Gagas Adam C. | Option exercise | 8.8K | $11.35 |
| 2026-03-12 | Ayoub David A. | Option exercise | 8.8K | $11.35 |
| 2026-03-05 | O'Brien William D | Option exercise | 3.6K | $10.81 |
| 2026-03-03 | Gagas Adam C. | Gift | 1.0K | — |
| 2026-02-27 | Tascarella Ronald G. | Option exercise | 2.1K | $11.35 |
| 2026-02-27 | Tascarella Ronald G. | Option exercise | 1.9K | $13.42 |
| 2026-02-13 | Gagas Adam C. | Buy | 1.9K | $13.75 |
| 2026-02-12 | Gagas Adam C. | Buy | 6 | $13.50 |
| 2026-02-04 | Ayoub David A. | Buy | 425 | $12.83 |
| 2026-02-04 | O'Brien William D | Option exercise | 5.0K | $10.81 |
| 2026-02-03 | Butkowski Robert G. Jr. | Option exercise | 2.6K | $11.35 |
| 2025-12-10 | Dowd James A. | Option exercise | 4.0K | $11.35 |
| 2025-11-20 | Barclay William A | Option exercise | 4.5K | $11.35 |
| 2025-09-12 | Dowd James A. | Option exercise | 3.0K | $11.35 |
| 2025-08-28 | Gagas Adam C. | Option exercise | 3.1K | $11.09 |
| 2025-05-12 | Gagas Adam C. | Option exercise | 2.6K | $11.09 |
| 2025-05-05 | Ayoub David A. | Buy | 1.0K | $14.95 |
| 2025-03-03 | TASCARELLA RONALD | Sell | 134 | $17.10 |
| 2025-02-28 | TASCARELLA RONALD | Sell | 2 | $17.10 |
| 2025-02-27 | TASCARELLA RONALD | Sell | 42 | $17.10 |
| 2025-02-26 | TASCARELLA RONALD | Sell | 1.2K | $17.10 |
| 2025-02-26 | TASCARELLA RONALD | Sell | 7 | $17.25 |
| 2025-02-25 | TASCARELLA RONALD | Sell | 62 | $17.10 |
| 2025-02-25 | TASCARELLA RONALD | Sell | 7 | $17.25 |
| 2025-02-20 | TASCARELLA RONALD | Sell | 5.0K | $17.00 |
| 2025-02-12 | O'Brien William D | Sell | 2.4K | $17.14 |
| 2025-01-31 | McManus Joseph Paul | Grant | 11K | — |
| 2025-01-31 | Serbun Joseph F | Grant | 16K | — |
| 2025-01-31 | Bigham Justin K. | Grant | 24K | — |
| 2025-01-31 | Dowd James A. | Grant | 35K | — |
| 2025-01-31 | Tascarella Ronald G. | Grant | 14K | — |
| 2025-01-31 | Butkowski Robert G. Jr. | Grant | 14K | — |
| 2025-01-31 | O'Brien William D | Grant | 11K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-04 | 2026-06-04 | 0001193125-26-256971 ↗ |
| 8-K | 2026-06-04 | 2026-06-04 | 0001193125-26-256601 ↗ |
| 10-Q | 2026-05-15 | 2026-03-31 | 0001193125-26-226649 ↗ |
| 8-K | 2026-05-07 | 2026-05-04 | 0000943374-26-000191 ↗ |
| 8-K | 2026-04-29 | 2026-04-29 | 0001193125-26-191606 ↗ |
| 8-K | 2026-03-30 | 2026-03-30 | 0001193125-26-131762 ↗ |
| 10-K | 2026-03-30 | 2025-12-31 | 0001193125-26-132075 ↗ |
| 8-K | 2026-02-27 | 2026-02-27 | 0001193125-26-082628 ↗ |
| 8-K | 2026-01-29 | 2026-01-29 | 0001193125-26-029411 ↗ |
| 8-K | 2025-12-22 | 2025-12-22 | 0001193125-25-328729 ↗ |
| 10-Q | 2025-11-14 | 2025-09-30 | 0001193125-25-282280 ↗ |
| 8-K | 2025-10-30 | 2025-10-30 | 0001193125-25-258539 ↗ |