Pathfinder Bancorp, Inc. (PBHC)

Over the past six months, Pathfinder Bancorp, Inc.'s stock price has declined. The company has consistently declared quarterly cash dividends of $0.10 per share. Pathfinder Bancorp, Inc. announced its third-quarter 2025 results on October 30, 2025, reporting a net income attributable to common shareholders of $626,000, or $0.10 per diluted share, a significant improvement from a net loss in Q3 2024. Second-quarter 2025 results were announced on July 30, 2025, and first-quarter 2025 results on April 30, 2025. The company's valuation has also seen adjustments amidst regional banking sector dynamics.

Specific information regarding demand seasonality for Pathfinder Bancorp, Inc.'s products and services is not explicitly detailed in the available public information. Demand for its core banking products is generally influenced by broader economic conditions, local market dynamics, and interest rate environments rather than distinct seasonal patterns.

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank, focusing on attracting deposits and investing in diversified loans such as commercial real estate, residential real estate, small business loans, and consumer loans. The company also invests in securities and holds a 51% interest in the FitzGibbons Agency, LLC, engaging in insurance brokerage through its subsidiary Pathfinder Risk Management Company, Inc.

Pathfinder Bancorp, Inc. primarily serves customers in Central New York, concentrating its operations in Oswego and Onondaga counties through over 12 full-service offices. The company has expanded into areas like Syracuse, New York, to capture middle-market business opportunities.

Pathfinder Bancorp, Inc. emphasizes its core values of "Local. Community. Trust." and uses the primary tagline "Let's Work Together." The company's reputation is built on local decision-making and relationship-focused service within Central New York. In 2023, Pathfinder Bancorp demonstrated its commitment to community engagement by investing $127,500 in local support initiatives.

Pathfinder Bancorp, Inc. has a significant institutional ownership presence, with 46 institutional owners and shareholders holding a total of 1,178,991 shares. Major institutional owners include Alliancebernstein L.P., Minerva Advisors LLC, and Vanguard Group Inc. The CEO, Jim Dowd, directly owns 1.65% of the company's shares.