Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp, Inc. (PBHC) stock has experienced a decline over the past six months. The stock has decreased by 11.41% over the last six months, 13.81% over the last 12 months, and has a year-to-date return of -6.24%. Over the past three years, shareholders have experienced a 36% drop in share price, and a 31% decline in total shareholder return. Recent insider trading activity shows that PBHC insiders have bought more shares than they have sold in the past three months. The company declared a quarterly dividend of $0.10 per share in March 2026.

Pathfinder Bancorp, Inc. experiences demand seasonality, particularly with municipal deposits. Reductions in higher-cost time and money market accounts, as well as regular municipal deposit seasonality, have been noted to impact total deposits.

Pathfinder Bancorp, Inc. functions as the bank holding company for Pathfinder Bank, delivering an array of banking and financial services in the United States. The company's offerings include deposit products like checking, savings, and certificates of deposit, as well as various loan types, including commercial real estate, residential real estate, and consumer loans. Additionally, they are involved in the property, casualty, and life insurance brokerage business, serving individuals, families, small to mid-size businesses, and municipalities.

Pathfinder Bancorp, Inc. is headquartered in Oswego, New York, and primarily serves customers in Central New York. Its operations are centered in Oswego and Onondaga counties, with a strategic expansion into areas like Syracuse, New York. The company operates over 12 full-service offices within its market areas.

Pathfinder Bancorp's brand reputation, as indicated by MarketBeat's MarketRank™, scored lower than 22% of companies evaluated, ranking 790th out of 877 stocks in the finance sector. The company has received a consensus analyst rating of "Sell".

Pathfinder Bancorp, Inc.'s ownership structure includes a significant concentration among institutional investors and insiders. Major institutional owners include Alliancebernstein L.P., Minerva Advisors LLC, and Vanguard Group Inc. Castle Creek Advisors VIII LLC is a top shareholder, owning 28.9% of the company's shares. Individual insiders own 14.9% of the company's shares, with Adam C. Gagas being the largest individual shareholder, owning 4.50% of the company.