Pathfinder Bancorp (PBHC) CFO reports ESOP share allocation and holdings

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. Executive Vice President and CFO Justin K. Bigham reported updated ownership of the company’s common stock. Following these entries dated April 8, 2026, he holds 24,000 shares directly and 5 shares indirectly through an ESOP, reflecting ESOP shares allocated in April 2026. The filing records holdings only and does not report any explicit purchases or sales.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Bigham Justin K.

Role Executive Vice President, CFO

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

Holdings After Transaction: Common Stock — 5 shares (Indirect, By ESOP); Common Stock — 24,000 shares (Direct)

Footnotes (1)

1. [object Object]

Key Figures

Direct common stock holdings: 24,000 shares Indirect ESOP holdings: 5 shares

2 metrics

Direct common stock holdings 24,000 shares Total shares directly owned after entries dated April 8, 2026

Indirect ESOP holdings 5 shares Held indirectly by ESOP, reflects ESOP shares allocated April 2026

Key Terms

ESOP, indirect, 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 financial

"total_shares_following_transaction: 5.0000, direct_or_indirect: I"

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^*

Bigham Justin K.

(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)
	Executive Vice President, CFO

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(1)	I	By ESOP
Common Stock								24,000	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 as POA for Justin K. Bigham	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 Form 4 filed by Justin K. Bigham report?

The Form 4 for Pathfinder Bancorp (PBHC) reports updated common stock holdings for Executive Vice President and CFO Justin K. Bigham. It records his direct and ESOP-related indirect ownership as of April 8, 2026, without detailing explicit purchases or sales.

How many PBHC shares does Justin K. Bigham hold directly after this filing?

After this filing, Justin K. Bigham directly holds 24,000 shares of Pathfinder Bancorp common stock. This number reflects his total direct ownership following the reported entries on April 8, 2026, rather than a single transaction amount.

What is the ESOP-related PBHC ownership disclosed for Justin K. Bigham?

The filing shows 5 shares of Pathfinder Bancorp common stock held indirectly for Justin K. Bigham through an ESOP. A footnote explains this reflects ESOP shares allocated in April 2026, indicating employee benefit plan-related ownership.

Does the PBHC Form 4 show any insider buying or selling by Justin K. Bigham?

The Form 4 does not identify explicit buy or sell transactions. It records holdings and total shares following the entries, with transaction codes and share amounts for individual trades not specified, suggesting an update of reported ownership positions.

What roles and ownership types are reported for Justin K. Bigham in PBHC stock?

Justin K. Bigham is reported as Executive Vice President and CFO of Pathfinder Bancorp. The filing shows direct ownership of 24,000 common shares and indirect ownership of 5 shares held by an ESOP, highlighting both personal and plan-related interests.