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.
Pathfinder Bancorp, Inc. filings document the regulatory record of a bank holding company whose subsidiary, Pathfinder Bank, gathers deposits and invests funds in loans and securities. The company’s 8-K filings report quarterly and annual financial results, financial-condition updates, credit-related reserve matters, tax adjustments, and dividend declarations on voting common stock, non-voting common stock, and the issued warrant.
Proxy materials describe annual meeting matters, director elections, auditor ratification, executive compensation disclosures, and shareholder voting procedures. Other filings document material agreements tied to privately placed securities, including registration rights and resale registration obligations, along with exhibits and Inline XBRL cover-page data.
Pathfinder Bancorp, Inc. updated its previously released fourth-quarter and full-year 2025 results after recording a non-cash $1.5 million additional income tax benefit for the quarter ended December 31, 2025.
The income tax benefit for the fourth quarter of 2025 was revised to $3.0 million, and the full-year 2025 income tax benefit was revised to $2.2 million. This reduced the reported net loss for the fourth quarter from $7.0 million, or $(1.11) per diluted share, to $5.6 million, or $(0.88) per diluted share. For the full year 2025, the net loss was revised from $3.4 million, or $(0.54) per diluted share, to $1.9 million, or $(0.31) per diluted share.
The change stems from an updated analysis of deferred tax assets as of December 31, 2025, which increased those balances and the associated income tax benefit. The adjustment does not affect cash taxes or operational cash flows and will be reflected in the forthcoming Form 10-K.
Pathfinder Bancorp, Inc. officer Joseph Polniak, who serves as First Vice President, filed an initial ownership report on Form 3. This filing establishes his status as an insider of the company but does not list any share transactions or changes in ownership.
Pathfinder Bancorp Inc. received an amended Schedule 13G from Minerva Advisors LLC and related entities reporting a significant passive ownership position. The group reports beneficial ownership of 262,204 shares of common stock, representing 5.5% of the company.
Minerva Group, LP directly holds 210,842 shares, or 4.4% of the outstanding stock, with other Minerva entities and David P. Cohen deemed beneficial owners through control relationships. The percentages are based on 4,794,225 shares outstanding as of November 11, 2025. The filers certify the shares are not held to change or influence control of Pathfinder Bancorp.
Gagas Adam C. reported open-market purchase transactions in a Form 4 filing for PBHC. The filing lists transactions totaling 1,956 shares at a weighted average price of $13.75 per share. Following the reported transactions, holdings were 17,756 shares.
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.