Welcome to our dedicated page for Pathfinder Bancorp Md SEC filings (Ticker: PBHC), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Pathfinder Bancorp, Inc. (NASDAQ: PBHC), the holding company for Pathfinder Bank. The company submits current reports on Form 8-K to furnish earnings press releases, dividend declarations, and other material events, and also files annual and quarterly reports that detail its financial condition and results of operations.
Key filings for Pathfinder Bancorp, Inc. include annual reports on Form 10-K and quarterly reports on Form 10-Q, which describe the composition of the loan portfolio, deposit base, investment securities, asset quality metrics, and capital levels. These reports also discuss risk factors, management’s analysis of net interest income and net interest margin, and the impact of credit loss provisions on profitability.
Current reports on Form 8-K, examples of which are referenced in the company’s recent history, are used to disclose quarterly financial results and Board-approved cash dividends on voting and non-voting common stock and on a notional share amount for an issued warrant. These filings typically attach the underlying press releases as exhibits and indicate record dates and payment dates for dividends or summarize other significant events.
On Stock Titan, Pathfinder Bancorp’s SEC filings are updated as they are made available through the EDGAR system. AI-powered tools can help interpret lengthy documents by summarizing key sections, highlighting movements in asset quality, explaining changes in net interest margin, and pointing out items such as nonperforming loan activity or notable gains and losses. Users can also review insider-related disclosures, such as Form 4 filings, and proxy materials that address governance and executive compensation.
Pathfinder Bank Employee Stock Ownership Plan Trust, with Pentegra Trust Company as trustee, reports beneficial ownership of 317,463 shares of Pathfinder Bancorp, Inc. common stock, representing 5.1% of the class as of December 31, 2025, on an amended Schedule 13G.
The trust has shared voting power over all 317,463 shares, sole dispositive power over 302,912 shares, and shared dispositive power over 14,551 shares. It certifies that the shares were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of Pathfinder Bancorp.
Pathfinder Bancorp, Inc. director David A. Ayoub reported a small insider purchase of company stock. On February 4, 2026, he acquired 425 shares of Pathfinder Bancorp common stock at $12.83 per share through an indirect holding in a 401(k) account.
After this transaction, he beneficially owns 12,011 common shares directly, 1,647 shares indirectly through an IRA, and 19,188 shares indirectly through the 401(k). He also holds 8,787 stock options with an exercise price of $11.35, exercisable from May 6, 2017 and expiring on May 6, 2026.
Pathfinder Bancorp Senior Vice President William D. O'Brien reported exercising stock options for 5,000 shares of Pathfinder Bancorp common stock on February 4, 2026 at an exercise price of $10.81 per share. Following the transaction, he directly owns 19,865 common shares, with additional indirect holdings of 9,234 shares through an ESOP and 3,255 shares through a 401(k) plan. He also continues to hold stock options covering 3,647, 7,908, and 1,500 underlying shares with stated exercise prices and expiration dates.
Pathfinder Bancorp, Inc. Senior Vice President Robert G. Butkowski Jr. exercised stock options for 2,636 shares of common stock on February 3, 2026 at an exercise price of $11.35 per share. The option exercise is reported with transaction code “M,” which typically indicates a conversion of derivative securities into common stock.
After this transaction, he directly held 19,436 shares of Pathfinder Bancorp common stock and had 1,500 stock options directly outstanding. He also reported indirect ownership of common stock through a 401(k) plan (14,291 shares), an IRA (6,500 shares), and an ESOP (6,337 shares).
Pathfinder Bancorp, Inc. filed a current report to notify investors that it released its fourth quarter 2025 financial results. The company issued a press release on January 29, 2026, and attached it as Exhibit 99.1 to this report under the financial results disclosure item.
Pathfinder Bancorp, Inc. director reports stock option exercise
A director of Pathfinder Bancorp, Inc. (PBHC) reported exercising stock options on 11/20/2025. The filing shows the exercise of options for 4,500 shares of common stock at an exercise price of $11.35 per share, recorded with transaction code "M" (option exercise). After this transaction, the reporting person holds 28,774 shares of common stock in direct ownership.
The filing also shows additional indirect holdings, including 4,294 shares as custodian for children and 57,682 shares held under a power of attorney for parents. Following the exercise, the related stock option position for these 4,500 shares shows 0 derivative securities remaining.
Pathfinder Bancorp, Inc. reported a return to profitability for the quarter ended September 30, 2025. Net income attributable to the company was $626 thousand, compared with a net loss of $4.6 million a year earlier. For the first nine months of 2025, net income was $3.6 million versus a net loss of $524 thousand in the prior-year period.
Total assets were $1.47 billion, with loans receivable, net, of $879.9 million and deposits of $1.23 billion as of September 30, 2025. The allowance for credit losses on loans was $18.7 million. Nonperforming loans totaled $23.3 million, representing 2.6% of total loans, slightly above 2.4% at year-end 2024.
Quarterly provision for credit losses dropped to $3.5 million from $9.0 million a year earlier, though it remained driven largely by two local commercial relationships that migrated to nonperforming status. The available-for-sale and held-to-maturity securities portfolios showed improved fair values relative to amortized cost, mainly reflecting changes in the interest rate environment rather than credit issues.
Pathfinder Bancorp, Inc. announced it issued a press release disclosing its third quarter 2025 financial results. The disclosure was furnished under Item 2.02, with the press release included as Exhibit 99.1. The company notes the Item 2.02 information and Exhibit 99.1 are furnished and not filed under the Exchange Act.
Pathfinder Bancorp, Inc. reported that its Board of Directors declared a quarterly cash dividend of $0.10 per voting common and non-voting common share, and a cash dividend of $0.10 per notional share for the issued warrant.
The dividend is payable on November 7, 2025 to shareholders of record as of October 17, 2025. This payment provides recurring cash returns to holders of both common shares and the warrant’s notional shares.
James A. Dowd, President and CEO (and Director) of Pathfinder Bancorp, Inc. (PBHC), reported a securities transaction dated 09/12/2025. The filing shows an acquisition of 3,000 shares of Common Stock at a price of $11.35 per share. After the transaction, the Form 4 reports 58,704 shares beneficially owned directly and 12,816 derivative securities (stock options) held directly. The filing also discloses indirect holdings of 18,052 shares via a 401(k) and 21,181 shares via an ESOP.