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.
Polniak Joseph reported acquisition or exercise transactions in this Form 4 filing.
Pathfinder Bancorp, Inc. reported that FVP and General Counsel Joseph Polniak received a grant of 8,000 shares of common stock as restricted stock on March 31, 2026. The award carried no purchase price. These restricted shares vest over a three-year period commencing on March 31, 2027, and Polniak now directly holds 8,000 shares following the grant.
Pathfinder Bancorp, Inc. files its annual report describing a community-focused commercial bank centered in Oswego and Onondaga Counties, NY. At December 31, 2025, the Company reported total assets of $1.43 billion, deposits of $1.18 billion and shareholders’ equity of $122.5 million.
The Company had 6,185,644 common shares outstanding, split between 4,876,213 voting and 1,380,283 Series A nonvoting shares. As of June 30, 2025, the aggregate market value of non‑affiliate common equity was approximately $80.0 million based on a NASDAQ last sale price of $15.34 per share.
Pathfinder Bancorp, Inc. declared a quarterly cash dividend of $0.10 per share on its voting and non-voting common stock, and $0.10 per notional share for the issued warrant for the fiscal quarter ending March 31, 2026.
The dividend will be paid on May 8, 2026 to shareholders of record as of April 17, 2026, providing regular cash returns to investors in line with the company’s ongoing dividend program.
Pathfinder Bancorp, Inc. President and CEO James A. Dowd exercised stock options for 6,000 shares of Common Stock at $11.35 per share. The option exercise converted Stock Options into Common Stock and brought his direct Common Stock holdings to 68,704 shares.
In addition to these direct holdings, he is reported with 18,052 Common Stock shares held indirectly through a 401(k) and 21,181 Common Stock shares held indirectly through an ESOP, reflecting total reported exposure split between direct and retirement-related accounts.
Pathfinder Bancorp director Adam C. Gagas exercised stock options and increased his direct share holdings. On 2026-03-13, he exercised options for 8,787 shares of Common Stock at an exercise price of $11.35 per share, converting all remaining options covered in this filing.
Following the transactions, he directly owns 35,588 shares of Common Stock. The filing also shows indirect ownership of 148,664 shares held "By POA" and 17,756 shares held "By IRA," in addition to the direct position. No open-market purchases or sales are reported in this filing.
Pathfinder Bancorp, Inc. director David A. Ayoub exercised stock options to acquire 8,787 shares of common stock at $11.35 per share. Following the exercise, he holds 20,798 common shares directly, plus 1,647 shares through an IRA and 19,188 shares through a 401(k), with no reported share sales.
Pathfinder Bancorp, Inc. Senior Vice President William D. O'Brien exercised stock options into common shares. On March 5, 2026, he exercised 3,647 stock options, receiving 3,647 shares of common stock at $10.81 per share through a derivative exercise.
After this transaction, he directly owned 23,512 shares of common stock. He also had remaining direct holdings of stock options covering 7,908 shares and 1,500 shares. In addition, he indirectly held 9,234 common shares through an ESOP and 3,255 common shares through a 401(k).
Pathfinder Bancorp, Inc. director Adam C. Gagas reported a bona fide gift transfer of 1,000 shares of common stock on March 3, 2026, classified as an indirect transaction "By POA." After this gift, that indirect common stock position totaled 148,664 shares.
He also reported direct holdings of 8,787 stock options and 26,801 shares of common stock, plus an additional 17,756 common shares held indirectly through an IRA. The filing mainly updates the mix of his reported indirect and direct ownership rather than reflecting an open-market trade.
Pathfinder Bancorp, Inc. Senior Vice President Ronald G. Tascarella exercised stock options into common stock. He converted options into 2,109 shares at $11.35 per share and 1,865 shares at $13.4174 per share. After these exercises, he directly held 16,771 common shares, plus indirect holdings through a 401(k) and an ESOP.
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.