PBHC executive updates reported share holdings

Pathfinder Bancorp, Inc. insider Joseph F. Serbun, a Senior Vice President, reported updated holdings of the company’s common stock.

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Form Type

Rhea-AI Filing Summary

Pathfinder Bancorp, Inc. insider Joseph F. Serbun, a Senior Vice President, reported updated holdings of the company’s common stock. As of April 8, 2026, he holds 16,000 shares directly and 4 shares indirectly through an ESOP account, reflecting ESOP shares allocated in April 2026. The filing records these positions but does not show any explicit new purchases or sales.

Insider Trade Summary

2 transactions reported

Mixed 2 txns

Insider Serbun Joseph F

Role Senior Vice President

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

Holdings After Transaction: Common Stock — 4 shares (Indirect, By ESOP); Common Stock — 16,000 shares (Direct)

Footnotes (1)

F1. Reflects ESOP shares allocated April 2026.

Key Figures

Direct common stock holdings: 16,000 shares Indirect ESOP holdings: 4 shares Holding entries reported: 2 entries

3 metrics

Direct common stock holdings 16,000 shares Total shares held directly as of April 8, 2026

Indirect ESOP holdings 4 shares Shares held indirectly via ESOP as of April 8, 2026

Holding entries reported 2 entries Number of holding lines in Form 4 transactionSummary

Key Terms

ESOP, Common Stock, indirect, direct

4 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.

Common Stock financial

"security_title": "Common Stock""

Common stock represents ownership shares in a company, giving investors a stake in its success and a say in important decisions through voting rights. It is the most common type of stock traded on markets and can provide income through dividends, as well as potential for value growth. For investors, holding common stock means sharing in the company’s profits and risks.

indirect financial

""ownership_type": "indirect""

direct financial

""ownership_type": "direct""

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did PBHC insider Joseph F. Serbun report in this Form 4 filing?

He reported his updated holdings of Pathfinder Bancorp common stock. The filing shows direct ownership and a small indirect position through an ESOP, but does not indicate any new open-market purchases or sales occurred on the reported date.

How many Pathfinder Bancorp (PBHC) shares does Joseph F. Serbun now hold?

He holds 16,000 shares of Pathfinder Bancorp common stock directly and 4 shares indirectly. The indirect shares are held through an ESOP, as reflected in the April 2026 allocation noted in the footnote to the ownership table.

What does the ESOP reference mean in the PBHC Form 4 for Joseph F. Serbun?

The ESOP reference indicates 4 shares are held for his benefit in an employee stock ownership plan. A footnote states these ESOP shares were allocated in April 2026, clarifying that part of his ownership comes from this employee benefit program.

Does this PBHC Form 4 show that Joseph F. Serbun bought or sold shares?

The filing does not show explicit buy or sell transactions. It presents updated holdings, including ESOP-allocated shares, and classifies the entries as holdings with an unknown transaction code, so no open-market purchase or sale is identified here.

How is Joseph F. Serbun’s ownership in PBHC split between direct and indirect holdings?

He directly owns 16,000 shares of Pathfinder Bancorp common stock, while 4 additional shares are held indirectly through an ESOP. The indirect ESOP position is noted separately from his direct ownership in the Form 4 tables.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 04/10/2026 - 09:57 AM

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^*

Serbun Joseph F

(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

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)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock								4⁽¹⁾	I	By ESOP
Common Stock								16,000	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)
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)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Reflects ESOP shares allocated April 2026.

	/s/ James A. Dowd POA for Joseph F. Serbun	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)

Source: View Original Filing on SEC EDGAR