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Pathfinder Bancorp, Inc. Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 04 Jun 2026.
Pathfinder Bancorp, Inc.: what insiders have been doing
Pathfinder Bancorp, Inc. is a Finance & Banking company. Its directors and officers file their transactions with SEC (Form 4). Over the twelve months to 18 October 2026, 14 filings were filed, from 8 insiders.
Only purchases show up on the open market, 3 purchases in all worth €21k, filed by 3 insiders. A purchase on the market is a deliberate choice to commit personal money, which is why it draws more attention than a grant. Among those who bought: 2 senior executives and 1 chief executive. Biggest ticket of the year: €16k, bought by Dowd James A. and made public on 4 June 2026 (0.019% of market cap).
The data flag 1 purchase as part of a group of insiders buying within 30 days of each other. A cluster is several different insiders buying the same stock within a short window, a pattern studied more closely than a single purchase. The latest purchase dates back some time: it was published 136 days ago, on 4 June 2026. Typically, a trade is published a median of 1 day after it takes place. The legal deadline for a Form 4 is two business days after the transaction.
Across the 5,816 companies tracked on its exchange, the median is 19 filings; at 14 filings, this issuer sits below that mark. Since 2021, the database holds 38 purchases and 17 sales by insiders of the company. In its latest annual report filed with the SEC (10-K, fiscal year ended 31 December 2025), the company reported net income of -1.9 m USD, with a dividend of 0.40 USD per share.
Elsewhere in the same sector, our signals recently picked up insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
99
Thresholds
n/a
Buy Volume
€457,189
38 ops. · all time
Sell Volume
€493,508
17 ops. · all time
Who traded when
BuySaleRonald Tascarella6 sales
David A. Ayoub2 buys
Eric Allyn2 sales
Adam C. Gagas1 buy
James A. Dowd1 buy
William D. O'Brien1 sale
Since the insiders bought
- +20.4%Entry US$13.87 · Close 15 Oct 2026 US$16.70
- +1.4%Entry US$13.30 · Close at T+90 US$13.49
- +4.3%Entry US$13.41 · Close at T+90 US$13.99
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 16,810 of 24,166 companies
38.6
score / 100
Value53
Quality24
FCF yld9.6%
Earn yld-1.4%
EV/EBITDA·
ROE0.1%
Gross mgn·
Net mgn-3.1%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$17.20
Analyst consensus
Income statement
RevenueUS$47M
Net income-US$1.5M0.4% margin
Valuation
PER (trailing)1720.3x
P/Book0.9x
Beta0.12
Balance sheet & cash
Market capUS$108M
Total debtUS$105.9M
Free Cash FlowUS$10.4M
Profitability & ownership
ROE0.1%
ROA0.0%
% insiders22.9%
% institutions33.0%
Last declaration on 4 June 2026
Declarations99 total
1,400 shares@ US$13.6850.019% mcap8.6% of flowCommon StockSEC:0001193125-26-257073:0
Canonical exit: 31 Aug 2026 (T+90)
8,000 shares0Common StockSEC:0001193125-26-139424:0
6,000 shares@ US$11.3530.8% of flowCommon StockSEC:0001193125-26-106595:0
8,787 shares@ US$11.3545.1% of flowCommon StockSEC:0001193125-26-106579:0
8,787 shares@ US$11.3550.8% of flowCommon StockSEC:0001193125-26-106392:0
3,647 shares@ US$10.8128.6% of flowCommon StockSEC:0001193125-26-096227:0
1,000 shares0Common StockSEC:0001193125-26-091045:0
2,109 shares@ US$11.35100.0% of flowCommon StockSEC:0001193125-26-085842:0
6 shares@ US$13.500.0% of flowCommon StockSEC:0001193125-26-051760:0
Canonical exit: 13 May 2026 (T+90)
425 shares@ US$12.832.7% of flowCommon StockSEC:0001193125-26-040813:0
Canonical exit: 5 May 2026 (T+90)
2,636 shares@ US$11.3539.8% of flowCommon StockSEC:0001193125-26-039197:0
5,000 shares@ US$10.8138.6% of flowCommon StockSEC:0001193125-26-039213:0
4,000 shares@ US$11.3520.3% of flowCommon StockSEC:0001193125-25-315642:0
4,500 shares@ US$11.3549.3% of flowCommon StockSEC:0001193125-25-291530:0
3,000 shares@ US$11.3515.1% of flowCommon StockSEC:0001193125-25-203347:0
3,116 shares@ US$11.0915.4% of flowCommon StockSEC:0000950170-25-112194:0
2,620 shares@ US$11.0913.7% of flowCommon StockSEC:0000950170-25-070006:0
1,000 shares@ US$14.9497.8% of flowCommon StockSEC:0000950170-25-064581:0
Canonical exit: 3 Aug 2025 (T+90)
2 shares@ US$17.100.0% of flowCommon StockSEC:0000950170-25-030949:0
134 shares@ US$17.100.8% of flowCommon StockSEC:0000950170-25-030966:0
1,221 shares@ US$17.107.3% of flowCommon StockSEC:0000950170-25-029660:0
42 shares@ US$17.100.3% of flowCommon StockSEC:0000950170-25-029950:0
62 shares@ US$17.100.4% of flowCommon StockSEC:0000950170-25-027907:0
5,000 shares@ US$17.0030.0% of flowCommon StockSEC:0000950170-25-025389:0
2,353 shares@ US$17.1432.8% of flowCommon StockSEC:0000950170-25-019422:0
25 of 99 declarations
About Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. (NASDAQ: PBHC) is a U.S.-listed bank holding company traded on the NASDAQ market in the United States. The company is headquartered in Oswego, New York, and its core structure is straightforward: Pathfinder Bancorp owns 100% of Pathfinder Bank. For francophone investors looking at U.S. regional financials, this is primarily a community and regional banking story, with earnings driven by deposit gathering, lending activity, net interest margin, and credit quality.
The franchise has deep local roots. Its banking predecessor dates back to 1859, when it originated as Oswego City Savings Bank. The business later adopted the Pathfinder Bank brand in 2000. The current holding company structure was established in 2014, following a reorganization from a mutual holding company framework into a stock holding company model. That history matters because it underscores Pathfinder’s long-standing role in its core market and its evolution into a publicly traded institution with a more conventional investor base.
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Operationally, Pathfinder Bank offers a traditional mix of financial services: consumer and residential lending, commercial lending, deposit accounts, treasury and cash management services, and other retail banking products. Its customer base is largely made up of individuals, households, small businesses, and local commercial borrowers. The bank’s business model is typical of a deposit-funded lender, making it sensitive to interest-rate conditions, funding costs, and the performance of its loan book. Geographically, the company is concentrated in Central New York, including the Syracuse metropolitan area, and also maintains a loan production office in Utica, New York.
In competitive terms, Pathfinder sits in the crowded U.S. regional banking landscape, competing with money-center banks, larger regional banks, and other community banks. Its key advantages are local decision-making, relationship banking, and familiarity with the Central New York economy. Its main challenges are those common to smaller banks: deposit competition, margin pressure, regulatory demands, and the need to manage credit risk carefully.
Recent developments have centered on balance-sheet management and credit discipline. In 2025, the bank reported ongoing adjustments to its funding mix and loan portfolio, alongside a notable increase in credit-loss provisioning after a comprehensive review of the commercial loan book. Pathfinder also completed the acquisition of Berkshire Bank’s East Syracuse branch in 2024, a move that strengthened its local footprint. Taken together, PBHC is best viewed as a niche U.S. regional banking stock where investors should focus on asset quality, deposit franchise stability, commercial loan trends, and management’s ability to protect profitability through the cycle.
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