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Pathfinder Bancorp (PBHC) SVP O'Brien updates stock and option holdings

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

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. senior vice president William D. O'Brien filed an update showing his current share and stock option holdings. The filing reports direct ownership of 23,512 shares of common stock and indirect holdings of 9,243 shares through an ESOP and 3,255 shares through a 401(k) plan as of the reported date.

O'Brien also holds stock options on the company’s common stock, including options exercisable at $11.35 per share for 7,908 underlying shares expiring on May 6, 2026, and options exercisable at $10.37 per share for 1,500 underlying shares expiring on October 28, 2030. The entry is categorized as a holdings report with no explicit buy or sell transactions.

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Insider O'Brien William D
Role Senior Vice President
Type Security Shares Price Value
holding Stock Options -- -- --
holding Stock Options -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
holding Common Stock -- -- --
Holdings After Transaction: Stock Options — 7,908 shares (Direct); Common Stock — 9,243 shares (Indirect, By ESOP); Common Stock — 23,512 shares (Direct)
Footnotes (1)
  1. [object Object]
Direct common shares 23,512 shares Directly held common stock as of transaction date
ESOP shares 9,243 shares Indirect common stock holding by ESOP; reflects April 2026 allocation
401(k) shares 3,255 shares Indirect common stock holding by 401K as of transaction date
Option exercise price 1 $11.35 per share Stock options on common stock expiring May 6, 2026
Underlying shares 1 7,908 shares Underlying common shares for $11.35 options, expiration May 6, 2026
Option exercise price 2 $10.37 per share Stock options on common stock expiring October 28, 2030
Underlying shares 2 1,500 shares Underlying common shares for $10.37 options, expiration October 28, 2030
Stock Options financial
"security_title": "Stock Options""
Stock options are agreements that give a person the right to buy or sell a company's stock at a specific price within a certain time frame. They are often used as a reward or incentive, similar to a coupon that can be used later if the stock price rises, allowing the holder to make a profit.
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 financial
"ownership_type": "indirect""
conversion or exercise price financial
"conversion_or_exercise_price": "11.3500""
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*
O'Brien William D

(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)
Senior Vice President
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
04/08/2026
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 Stock9,243(1)IBy ESOP
Common Stock23,512D
Common Stock3,255IBy 401K
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
Stock Options$11.3505/06/201705/06/2026Common Stock7,9087,908D
Stock Options$10.3710/28/202110/28/2030Common Stock1,5001,500D
Explanation of Responses:
1. Reflects ESOP shares allocated April 2026.
/s/ James A. Dowd as POA for William D. O'Brien04/10/2026
** 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 does the PBHC Form 4 filed by William D. O'Brien show?

The Form 4 reports William D. O'Brien’s current holdings in Pathfinder Bancorp. It details direct and indirect common stock positions plus outstanding stock options, without indicating any new purchases or sales during the reported date.

How many Pathfinder Bancorp (PBHC) shares does William D. O'Brien hold directly?

William D. O'Brien directly holds 23,512 shares of Pathfinder Bancorp common stock. This figure reflects his personal direct ownership as of the reported date and does not include shares held through retirement or employee stock plans.

What indirect PBHC share holdings are reported for William D. O'Brien?

The filing shows 9,243 shares held indirectly through an ESOP and 3,255 shares held indirectly through a 401(k) plan. These positions represent retirement and employee benefit-related ownership rather than directly registered personal share accounts.

What stock options on PBHC does William D. O'Brien hold?

He holds stock options on Pathfinder Bancorp common stock with exercise prices of $11.35 and $10.37 per share. These options cover 7,908 and 1,500 underlying shares respectively, expiring in May 2026 and October 2030.

Did the PBHC Form 4 show any insider buying or selling activity?

The record is categorized as a holdings report with an unknown transaction code and zero net buy or sell shares. It updates the status of O'Brien’s existing holdings and derivatives rather than documenting new open-market purchases or sales.