Pathfinder Bancorp (PBHC)
Bank holding company for a Central New York community commercial bank.
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Owns a New York State-chartered community commercial bank serving Central New York. Its business is concentrated in Pathfinder Bank, with an Oswego base, an expanded Onondaga County footprint, and a limited-purpose office in Oneida County.
The holding company owns Pathfinder Bank, a New York State-chartered community commercial bank. The bank serves Oswego and Onondaga Counties, with a limited-purpose office in Oneida County, extending an Oswego franchise that traces its origins to 1859.
Central New York expansion has added locations in the Syracuse area, including the East Syracuse branch assumption. The bank’s stated operating model combines personal service and local expertise with a more scalable organization. Its business is concentrated in the wholly owned bank, whose commercial-banking operations are conducted under a New York State charter.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $377.5M · Total debt $181.0M · Total assets $1.49B · Shareholders' equity $125.7M
- Revenue
- $19.3M
- Operating income
- $3.3M
- Net income
- $2.7M
Raised for 16 straight years — most recently to $0.10 from $0.09 in Apr 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 17, 2026 | Jul 17 | Aug 7 | $0.10 | |
| Apr 17, 2026 | Apr 17 | May 8 | $0.10 | |
| Jan 16, 2026 | Jan 16 | Feb 6 | $0.10 | |
| Oct 17, 2025 | Oct 17 | Nov 7 | $0.10 | |
| Jul 18, 2025 | Jul 18 | Aug 8 | $0.10 | |
| Apr 17, 2025 | Apr 18 | May 9 | $0.10 | |
| Jan 17, 2025 | Jan 17 | Feb 7 | $0.10 | |
| Oct 18, 2024 | Oct 18 | Nov 8 | $0.10 |
| Institutions19 holders · as of Mar 31, 2026 | 18.29% | 1.14M shares | |
| Insiders15 holders · as of Jun 16, 2026 | 9.39% | 587.7K shares | |
| Otherremainder | 72.32% | 4.52M shares |
6.26M company shares as of Aug 21, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
AllianceBernstein L.P.Institution | 7.57% | 473,764 | 13Fas of Mar 31, 2026 |
Pathfinder Bank Employee Stock Ownership Plan TrustInstitution | 5.07% | 317,463 | 13Gfiled Feb 13, 2026 ↗ |
Minerva Advisors LLCInstitution | 4.19% | 262,204 | 13Fas of Mar 31, 2026 |
Adam C. GagasInsiderdirector | 2.94% | 184,252 | Form 4filed Mar 13, 2026 ↗ |
Vanguard Capital Management LLCInstitution | 1.86% | 116,627 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jun 15, 2026 | Joseph Polniak | officer: FVP, General Counsel | +1,000 | $15.88 |
| Jun 2, 2026 | James A. Dowd | officer: President and CEO | +1,400 | $13.69 |
| Feb 12, 2026 | Adam C. Gagas | director | +6 | $13.50 |
| Feb 13, 2026 | Adam C. Gagas | director | +1,950 | $13.75 |
| Feb 4, 2026 | David A. Ayoub | director | +425 | $12.83 |
- Community Financial System
Central New York retail and commercial bank with a dense local network
- M&T Bank
Large Northeastern bank with Syracuse branches and business banking
- KeyCorp
Syracuse network spanning consumer, small-business, and commercial banking
- NBT Bancorp
New York regional bank spanning personal, commercial, and wealth services
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Pathfinder Bancorp | $15.65 | +0.51% | $97.9M | — | — | 1.2 | +9.2% |
| Community Financial System | $62.99 | +0.02% | $3.31B | 14.6 | 13.0 | 3.2 | +9.6% |
| M&T Bank | $235.48 | +0.01% | $34.13B | 12.4 | 11.8 | 2.7 | +5.7% |
| KeyCorp | $21.83 | +0.16% | $23.53B | 12.7 | 11.1 | 2.2 | +7.3% |
| NBT Bancorp | $51.73 | +1.02% | $2.66B | 12.6 | 11.7 | 2.8 | +9.4% |
| Median | 12.6 | 11.7 | 2.8 | +8.3% |