Pathfinder Bancorp (PBHC) SVP reports direct and ESOP share holdings

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. senior vice president and CIO Joseph Paul McManus reported his current ownership of the company’s common stock. He now holds 11,000 shares directly and 5,026 shares indirectly through an ESOP, with the footnote stating these ESOP shares reflect an allocation in April 2026.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider McManus Joseph Paul

Role Senior Vice President, CIO

Type	Security	Shares	Price	Value
holding	Common Stock	--	--	--
holding	Common Stock	--	--	--

Holdings After Transaction: Common Stock — 5,026 shares (Indirect, By ESOP); Common Stock — 11,000 shares (Direct)

Footnotes (1)

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Key Figures

Direct holdings: 11,000 shares Indirect ESOP holdings: 5,026 shares Holding entries: 2 entries

3 metrics

Direct holdings 11,000 shares Common Stock held directly after 2026-04-08

Indirect ESOP holdings 5,026 shares Common Stock held indirectly by ESOP after 2026-04-08

Holding entries 2 entries Number of holding records in this Form 4

Key Terms

ESOP, indirect ownership, Form 4

3 terms

ESOP financial

"Reflects ESOP shares allocated April 2026."

An Employee Stock Ownership Plan (ESOP) is a program that gives employees ownership shares in their company, often as part of their benefits package. It acts like a company-sponsored savings plan, allowing workers to have a stake in the company's success, which can boost motivation and loyalty. For investors, ESOPs can influence company decisions and stock value, making them an important aspect of corporate ownership and governance.

indirect ownership financial

"direct_or_indirect: "I", nature_of_ownership: "By ESOP""

Form 4 regulatory

"INSIDER FILING DATA (Form 4):"

Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

McManus Joseph Paul

(Last) (First) (Middle)

214 WEST FIRST STREET

(Street)

OSWEGO NEW YORK 13126

(City) (State) (Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Pathfinder Bancorp, Inc. [ PBHC ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	Senior Vice President, CIO

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
04/08/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Common Stock								5,026(1)	I	By ESOP
Common Stock								11,000	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Reflects ESOP shares allocated April 2026.

	/s/ James A Dowd POA for Joseph Paul McManus	04/10/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

FAQ

What does the PBHC insider filing by Joseph Paul McManus report?

The filing reports updated ownership of Pathfinder Bancorp common stock by senior vice president and CIO Joseph Paul McManus. It lists both his direct holdings and shares held indirectly through an employee stock ownership plan as of the reported date.

How many Pathfinder Bancorp (PBHC) shares does McManus hold directly?

McManus holds 11,000 shares of Pathfinder Bancorp common stock directly. This figure reflects his personal, non‑ESOP ownership after the reported date, giving investors a snapshot of his direct equity stake in the company at that time.

How many PBHC shares does McManus hold indirectly through the ESOP?

He holds 5,026 Pathfinder Bancorp shares indirectly through an ESOP. A footnote explains these ESOP shares reflect an allocation in April 2026, indicating they are part of his employee benefit plan rather than directly owned brokerage holdings.

Does the PBHC Form 4 show McManus buying or selling shares?

The filing does not show explicit buy or sell transactions; it records updated holdings. Transaction codes are listed as unknown, and the entries are characterized as holdings, so the document functions mainly as a position update, not a trade report.

What is the role of Joseph Paul McManus at Pathfinder Bancorp (PBHC)?

Joseph Paul McManus is identified as a senior vice president and chief information officer at Pathfinder Bancorp. His position means these reported holdings represent equity owned by a key executive responsible for information and technology functions at the bank.

What does the ESOP footnote in the PBHC insider filing indicate?

The footnote explains that the ESOP line item reflects ESOP shares allocated in April 2026. This clarifies that the 5,026 indirectly held shares come from an employee stock ownership plan allocation rather than open‑market purchases or other direct trading activity.