STOCK TITAN

Pathfinder Bancorp (PBHC) CEO adds 1,400 shares in open-market trade

Filing Impact
(Neutral)
Filing Sentiment
(Positive)
Form Type
4

Rhea-AI Filing Summary

Pathfinder Bancorp President and CEO James A. Dowd bought 1,400 shares of common stock at $13.685 per share in an open-market purchase through his 401K on June 2, 2026. After the trade, that 401K account holds 19,452 shares indirectly, alongside 21,193 shares via an ESOP and 71,520 shares held directly.

Positive

  • None.

Negative

  • None.
Insider Dowd James A.
Role President and CEO
Bought 1,400 shs ($19K)
Type Security Shares Price Value
Purchase Common Stock 1,400 $13.685 $19K
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Common Stock — 19,452 shares (Indirect, By 401K); Common Stock — 71,520 shares (Direct, null)
Footnotes (1)
Shares purchased 1,400 shares Open-market purchase on June 2, 2026
Purchase price $13.685 per share Open-market buy of common stock
401K holdings after trade 19,452 shares Indirect ownership via 401K following purchase
ESOP holdings 21,193 shares Indirect ownership via ESOP as of June 2, 2026
Direct holdings 71,520 shares Directly held common stock as of June 2, 2026
open-market purchase financial
"transaction_action: "open-market purchase""
An open-market purchase is when an investor or a company buys shares on a public stock exchange at the going market price, rather than through a private deal. It matters to investors because these purchases change how many shares are available, can push the stock price up or signal confidence from large buyers, and often affect per-share metrics like earnings—think of it like someone buying lots of apples off a grocery shelf, reducing supply and potentially raising the price.
ESOP financial
"nature_of_ownership: "By ESOP""
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.
401K financial
"nature_of_ownership: "By 401K""
An employer-sponsored retirement savings plan in the United States that lets workers set aside part of their paycheck into investments with tax advantages; some plans also include employer matching contributions, which is like free money added to your savings. It matters to investors because 401(k) balances represent a large pool of household retirement assets that influence personal financial security, investor behavior, and long-term demand for stocks and bonds.
indirect ownership financial
"ownership_type: "indirect" with holdings via ESOP and 401K"
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SEC Form 4
FORM 4UNITED 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*
Dowd James A.

(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)
Director10% Owner
XOfficer (give title below)Other (specify below)
President and CEO
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/02/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm 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)
CodeVAmount(A) or (D)Price
Common Stock06/02/2026P1,400A$13.68519,452IBy 401K
Common Stock71,520D
Common Stock21,193IBy ESOP
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)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:
/s/ James A. Dowd06/04/2026
** Signature of Reporting PersonDate
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 insider transaction did PBHC CEO James A. Dowd report?

James A. Dowd reported buying 1,400 Pathfinder Bancorp shares in an open-market purchase. The transaction was executed at $13.685 per share and held indirectly through his 401K account, according to the Form 4 insider trading disclosure.

At what price did the PBHC CEO purchase new shares?

The PBHC CEO purchased 1,400 Pathfinder Bancorp common shares at $13.685 each. This open-market transaction was recorded on June 2, 2026 and increased the number of shares held indirectly through his 401K plan according to the filing.

How many Pathfinder Bancorp shares does the CEO hold via his 401K after this trade?

Following the purchase, James A. Dowd’s 401K account holds 19,452 Pathfinder Bancorp shares indirectly. This reflects the 1,400-share open-market buy, as disclosed in the Form 4, and represents only the holdings within that retirement plan account.

What other PBHC share holdings were reported for the CEO?

In addition to 19,452 shares in his 401K, the CEO reported 21,193 shares held indirectly through an ESOP and 71,520 shares held directly. These positions were listed as holdings entries in the same Form 4 insider trading report.

Was the PBHC insider transaction a buy or a sell?

The key PBHC insider transaction was a buy. James A. Dowd executed an open-market purchase of 1,400 common shares, and no open-market sales were reported in this Form 4, which also included holding-only entries for other accounts.