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PBHC · Pathfinder Bancorp, Inc.
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PBHC Pathfinder Bancorp (PBHC) Insider Trading, Ownership & Congress Trades

Banks · State commercial banks · CIK 0001609065
Quote by TradingView
C-suite buying · 2
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
7
13F, latest reported quarter
Conversions, 180 days
4
Codes C/M, not in net · $328.1K priced

What the filings say about PBHC

Insiders, 180 days
+$35.0K net bought
2 buyers

Pathfinder Bancorp insider trades (Form 4)

Form 4 buys and sells (codes P and S). Grants, option exercises and conversions excluded.

Over the last 180 days, Pathfinder Bancorp, Inc. insiders bought a net $35.0K of stock across 70 Form 4 purchases and sales, with 2 insiders buying. Source: SEC Form 4 filings, as of 2026-10-27.

Insider
Filed
Shares
Value
Since filing
Polniak Joseph
FVP, General Counsel
BUY
2026-06-16 SECtraded 2026-06-15
1,000
$15.9K
+6.2%
Context
  • First Form 4 purchase or sale (code P or S) here by this insider on our record.
  • The trade is 11.1% of the 9,000 shares held after it.
  • 1 other insider bought within 30 days.
  • 7 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: FVP, General Counsel Polniak Joseph bought about $15.9K of PBHC on Jun 15, 2026; 1 other insider bought within 30 days and 7 funds added in the latest 13F quarter.
Dowd James A.
President and CEO
BUY
2026-06-04 SECtraded 2026-06-02
1,400
$19.2K
+21.3%
Context
  • 4 earlier Form 4 trades (code P or S) here by this insider (4 buys), the last on Mar 13, 2024.
  • +7.2% median (+8.7% mean) 90-day return after 4 previous buys.
  • The trade is 7.2% of the 19,452 shares held after it.
  • 1 other insider bought within 30 days.
  • 7 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: President and CEO Dowd James A. bought about $19.2K of PBHC on Jun 2, 2026; 1 other insider bought within 30 days and 7 funds added in the latest 13F quarter.
Gagas Adam C.
Director
BUY
2026-02-13 SEC
1,950
$26.8K
+27.4%
Context
  • 2 earlier Form 4 trades (code P or S) here by this insider (2 buys), the last on Feb 12, 2026.
  • +4.8% median (+4.8% mean) 90-day return after 2 previous buys.
  • The trade is 11.0% of the 17,756 shares held after it.
  • 1 other insider bought within 30 days.
  • 7 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Gagas Adam C. bought about $26.8K of PBHC on Feb 13, 2026, the largest insider purchase at the company since 2024; 1 other insider bought within 30 days and 7 funds added in the latest 13F quarter.
Gagas Adam C.
Director
BUY
2026-02-13 SECtraded 2026-02-12
6
$81
+27.4%
Context
  • 1 earlier Form 4 trade (code P or S) here by this insider (1 buy), the last on Mar 17, 2022.
  • The trade is 0.0% of the 15,806 shares held after it.
  • 1 other insider bought within 30 days.
  • 7 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Gagas Adam C. bought about $81 of PBHC on Feb 12, 2026; 1 other insider bought within 30 days and 7 funds added in the latest 13F quarter.
Ayoub David A.
Director
BUY
2026-02-06 SECtraded 2026-02-04
425
$5.5K
+26.4%
Context
  • 2 earlier Form 4 trades (code P or S) here by this insider (2 buys), the last on May 5, 2025.
  • +9.1% median (+9.1% mean) 90-day return after 2 previous buys.
  • The trade is 2.2% of the 19,188 shares held after it.
  • 1 other insider bought within 30 days.
  • 7 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Director Ayoub David A. bought about $5.5K of PBHC on Feb 4, 2026; 1 other insider bought within 30 days and 7 funds added in the latest 13F quarter.
70 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
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Seven facts, ranked against the sector · Rank is not a forecast
Insiders
net +$35.0K over 180 days
more than 76% of Banks
Congress
no House purchase disclosed in the last 12 months
Funds
7 funds bought in last quarter
below 99% of Banks
Revenue
no revenue reported in any filing
Margin
no margin: no revenue reported
Buybacks
no share repurchases reported
Short interest
0.2% of the float short (float per yahoo 2026-10-26) · 4.2 days to cover · settled 2026-09-30
below 82% of Banks
What changed in the last 30 days
Nothing new filed in the last 30 days

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The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+11.8%12M
-20%-6%+8%+22%2025-102025-122026-022026-042026-062026-082026-10 2026-02-13 · Gagas Adam C. bought $26.8K2026-06-02 · Dowd James A. bought $19.2K2026-06-15 · Polniak Joseph bought $15.9K2026-02-04 · Ayoub David A. bought $5.5K2026-02-12 · Gagas Adam C. bought $81
Insider buy
Indexed to 100, dividend-adjusted, not a price chart. When a name files heavily, the largest trades are drawn first.

Who owns PBHC: institutional holders (13F)

13F holdings, latest reported quarter
ALLIANCEBERNSTEIN L.P.
478,169 sh
$6.1M
Minerva Advisors LLC
262,204 sh
$4.2M
VANGUARD CAPITAL MANAGEMENT LLC
130,641 sh
$2.1M
Oppenheimer & Close, LLC
95,179 sh
$1.5M
Hamilton Point Investment Advisors, LLC
38,429 sh
$610.3K

Congress trades in PBHC

No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.

Activist and 5% holders (13D/13G)

No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.

PBHC planned insider sales (Form 144)

No planned-sale notices
No insider has filed to sell. Watch this after a run-up.

PBHC mutual fund holders (N-PORT)

Funds ranked by the share of their own portfolio in this stock (N-PORT).
Omni Small-Cap Value Fund
$162.0K position · as of 2026-06-30
0.0%
iShares Micro-Cap ETF
$170.7K position · as of 2026-06-30
0.0%
1290 VT Micro Cap Portfolio
$9.5K position · as of 2026-06-30
0.0%
LVIP Dimensional U.S. Core Equity 2 Fund
$9.8K position · as of 2026-06-30
0.0%
U.S. VECTOR EQUITY PORTFOLIO
$24.8K position · as of 2026-07-31
0.0%
VANGUARD EXTENDED MARKET INDEX FUND
$391.6K position · as of 2026-06-30
0.0%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M · % is the share of the fund's own portfolio
Executive pay vs shareholder return · Thomas Schneider
CEO pay, headline and as actually paid, against the company's return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$1.8M
$1.6M
$1.0M
-21%
n/a
2024
$615.1K
$615.1K
$286.2K
-4%
n/a
2023
$562.1K
$546.3K
$332.1K
-25%
n/a
2021
$346.9K
$346.9K
n/a
n/a
n/a
Tagged by the company under SEC Item 402(v). Returns are cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
Insiders are net buyers of their own stock.
The record shows a net $35.0K bought by insiders over 180 days, 7 funds added last quarter. Each figure is a federal filing, dated the day it went public.
Backtest this pattern Open the screener
Same sector, ranked by filing activity
Sector by SEC SIC code
UMBFBWFGPBPEBOFMBMGABCNEWTPCBDCOMISBAWSBFJMSB

PBHC financials

Ratios from the company's XBRL filings, latest filings
Revenue, TTM
n/a
fewer than four consecutive quarters of revenue filed
Net margin, TTM
n/a
needs four consecutive quarters of both revenue and net income
Free cash flow, TTM
$11.0M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Debt to equity
1.06x
long-term 2026-06-30 plus current 2026-06-30; equity 2026-06-30
Cash flow to debt
0.09x
TTM operating cash flow over long-term 2026-06-30 plus current 2026-06-30
Return on equity
+0.1%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets
+0.0%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
P/E, trailing
n/a
fewer than four consecutive quarters of diluted EPS
Enterprise value
$173.5M
market value at close 2026-10-23 on 2021-05-17 shares, plus long-term 2026-06-30 plus current 2026-06-30, minus cash 2018-09-30
FCF yield
+14.5%
TTM free cash flow over market value at close 2026-10-23
PEG, trailing
n/a
fewer than four consecutive quarters of diluted EPS
Price as of 2026-10-23. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
2025-122024-122023-122022-12
Net income-$1.9M$3.4M$9.3M$12.9M
Operating cash flow$11.7M$11.2M$15.4M$21.7M
Long-term debt$14.1M$27.1M$49.9M$55.7M
Dividends paid$1.9M$1.8M$1.7M$1.6M
SEC XBRL, fiscal years, as known on 2026-10-27

PBHC Stock Sonar score 5/7 axes

Find similar shapesCompare

PBHC ranks highest on risk and compliance (83rd percentile) and insider conviction (74th), and lowest on institutional and government (1st), among Banks peers.

ProfitHealthInsidersInstitutionsRisk
Profitability
8
Inputs
  • Return on equity+0.1% · 8 pct, sector of 327
  • Return on assets+0.0% · 8 pct, sector of 334
  • Return on invested capitalfewer than four consecutive quarters of operating income
  • Return on capital employedfewer than four consecutive quarters of operating income
Financial health
10
Inputs
  • Debt to equity1.06x · 10 pct, sector of 229
  • Cash flow to debt0.09x · 10 pct, sector of 198
Insider conviction
74
Inputs
  • Net Form 4 buying (codes P and S), 180d$35K · 76 pct, sector of 274
  • Insider buyers, 180d2 · 72 pct, sector of 274
Institutional and government
1
Inputs
  • Funds adding, latest quarter7 · 1 pct, sector of 257
  • Congress net buyers, 365dno Congress trades in 365 days
  • Federal contracts, 180dno federal contracts in 180 days
  • Lobbying spend, 4 quartersno lobbying filings in the last four quarters
Risk and compliance
83
Inputs
  • Short interest, % of float+0.2% · 83 pct, sector of 378
  • Recalls per $1B revenue, 3yrevenue under $50M or not filed, so a count cannot be scaled to size
  • EPA cases per $1B revenue, 5yrevenue under $50M or not filed, so a count cannot be scaled to size
  • New text in Risk Factors, latest 10-Kneeds two 10-Ks with a Risk Factors section (not 20-F filers or stubs)
2 not measured: Growth, US patents
  • Growth needs 1 of 2 inputs, 0 present: no backlog line filed, or no year-earlier backlog; no revenue for this year and the year before
  • US patents needs 1 of 2 inputs, 0 present: patent data not loaded yet

5 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored

PBHC filings, in plain words

Are Pathfinder Bancorp insiders buying or selling PBHC?

In the 180 days to 2026-10-27, Pathfinder Bancorp insiders were net buyers, a net $35.0K across purchases and sales reported on Form 4, by 2 buyers.

Read the full summary

In the 180 days to 2026-10-27, Pathfinder Bancorp insiders were net buyers of PBHC, a net $35.0K across purchases and sales reported on Form 4 by 2 buyers. Each figure is counted from SEC and House filings as of 2026-10-27, dated the day the filing was made public.

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