Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp's stock (PBHC) has decreased by 3.9% to $13.56 as of May 8, 2026, with a six-month return of -10.1%. Key events include a net income of $2.4 million in Q1 2026, quarterly cash dividends of $0.10 per share, a "sell" rating from Weiss Ratings, shares slipping below their 200-day moving average, and an amendment to the Registration Rights Agreement with Castle Creek Capital Partners VII, L.P.

Demand seasonality for Pathfinder Bancorp, Inc.'s products and services is primarily influenced by typical banking and economic cycles. The company has noted "regular municipal deposit seasonality" as a factor affecting total deposit balances. General economic conditions, interest rate environments, and local market activity also influence demand.

Pathfinder Bancorp, Inc., headquartered in Oswego, New York, operates as a bank holding company for Pathfinder Bank, focusing on attracting deposits and investing in loans. The company offers a range of commercial and consumer banking solutions, including deposit accounts and various loan types, along with digital banking and insurance brokerage services.

Pathfinder Bancorp, Inc. primarily serves Central New York customers through Pathfinder Bank, operating over 12 full-service offices in Oswego and Onondaga counties, and one limited-purpose office in Oneida County, New York.

Information specifically detailing Pathfinder Bancorp, Inc.'s brand reputation is not explicitly available. The company's return to profitability in Q1 2026 could positively impact its reputation, while a "Sell" rating from Weiss Ratings suggests a cautious sentiment. The company emphasizes personalized service, local decision-making, and community reinvestment, which typically contribute to a positive local brand image.

Pathfinder Bancorp, Inc. has a diverse ownership structure, with institutional shareholders holding 18.54%, insiders holding 30.90%, and retail investors holding 50.56% of the stock. Major institutional owners include Alliancebernstein L.P., Minerva Advisors LLC, and Vanguard Group Inc. Adam C. Gagas is the largest individual shareholder, owning 4.50% of the company. Insider buying has exceeded insider selling in the past three months.