PBHC
Pathfinder Bancorp, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Buy
+34/100
Last price
16.89
■ 0.00 (0.00%)
MARKET · —
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1D
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Open
—
Prev close
16.89
Day high
17.25
Day low
16.89
Volume
100
Market cap
$106.05M
P/E (TTM)
1,689.00
52W range
12.06 – 18.30
Trailing performance
Returnvs SPY
1W
-1.80%
-3.8%
1M
+6.97%
+5.8%
3M
+6.23%
+1.7%
6M
+26.90%
+8.7%
YTD
+19.70%
+5.5%
1Y
+10.39%
-6.0%
3Y
+22.39%
-59.9%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on PBHC open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
1.38M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 15, 26 | POLNIAK JOSEPH General Counsel |
BUY | 1.00K | $15.88K | Direct |
| Jun 2, 26 | DOWD JAMES A Chief Executive Officer |
BUY | 1.40K | $19.16K | Indirect |
| May 4, 26 | DOWD JAMES A Chief Executive Officer |
CONVERSION | 2.82K | $31.96K | Direct |
| May 4, 26 | LITTLEJOHN MELANIE Director |
CONVERSION | 8.79K | $99.73K | Direct |
| May 4, 26 | O BRIEN WILLIAM D Officer |
CONVERSION | 7.91K | $89.76K | Direct |
| Mar 31, 26 | POLNIAK JOSEPH General Counsel |
STOCK | 8.00K | $0 | Direct |
| Mar 13, 26 | DOWD JAMES A Chief Executive Officer |
CONVERSION | 6.00K | $68.10K | Direct |
| Mar 13, 26 | GAGAS ADAM C Director |
CONVERSION | 8.79K | $99.73K | Direct |
| Mar 12, 26 | AYOUB DAVID A Director |
CONVERSION | 8.79K | $99.73K | Direct |
| Mar 5, 26 | O BRIEN WILLIAM D Officer |
CONVERSION | 3.65K | $39.42K | Direct |
| Mar 3, 26 | GAGAS ADAM C Director |
STOCK | 1.00K | $0 | Indirect |
| Feb 27, 26 | TASCARELLA RONALD G Officer |
CONVERSION | 2.11K | $23.94K | Direct |
| Feb 13, 26 | GAGAS ADAM C Director |
BUY | 1.96K | $26.89K | Indirect |
| Feb 4, 26 | O BRIEN WILLIAM D Officer |
CONVERSION | 5.00K | $54.05K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
AYOUB DAVID A |
Director | 41.63K | Conversion of Exercise of derivative security |
BARCLAY WILLIAM A |
Director | 90.75K | Conversion of Exercise of derivative security |
BIGHAM JUSTIN K. |
Chief Financial Officer | 24.00K | Stock Award(Grant) |
BUTKOWSKI ROBERT G JR. |
Officer | 46.56K | Conversion of Exercise of derivative security |
DOWD JAMES A |
Chief Executive Officer | — | Purchase |
GAGAS ADAM C |
Director | 202.01K | Conversion of Exercise of derivative security |
O BRIEN WILLIAM D |
Officer | 43.92K | Conversion of Exercise of derivative security |
PHILLIPS DANIEL R |
Officer | 58.43K | Conversion of Exercise of derivative security |
SERBUN JOSEPH F. |
Officer | 16.00K | Stock Award(Grant) |
TASCARELLA RONALD G |
Officer | 36.51K | Conversion of Exercise of derivative security |
Fundamentals
Market cap$106.05M
Enterprise value$257.09M
Revenue (TTM)$33.79M
Gross profit$33.79M
EBITDA—
Net income$171.00K
EPS (TTM)$0.01
Free cash flow—
Total cash$29.94M
Total debt$180.99M
Book value / share$20.03
Shares outstanding4.90M
Float3.59M
Short % of float0.22%
Dividend yield2.37%
Beta (5Y)0.12
Valuation & profitability ratios
Trailing P/E1,689.00
Forward P/E—
PEG ratio—
Price / sales—
Price / book0.84
EV / revenue7.61
EV / EBITDA—
Gross margin0.00%
Operating margin29.40%
Profit margin0.42%
Return on equity0.11%
Return on assets0.01%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $46.98M | $46.11M | $43.08M | $46.66M | +1.9% |
| Operating revenue | $46.98M | $46.11M | $43.08M | $46.66M | +1.9% |
| Selling, general & admin | $19.97M | $19.33M | $17.48M | $17.53M | +3.3% |
| Pre-tax income | -$4.09M | $5.16M | $11.78M | $15.69M | -179.3% |
| Tax provision | -$2.16M | $332.00K | $2.36M | $2.66M | -750.6% |
| Net income | -$1.93M | $3.38M | $9.29M | $12.93M | -157.1% |
| Net income to common | -$1.47M | $2.56M | $7.02M | $9.72M | -157.3% |
| Basic EPS | -0.54 | 0.60 | 1.51 | 2.13 | -190.0% |
| Diluted EPS | -0.54 | 0.60 | 1.51 | 2.13 | -190.0% |
| Basic shares | 4.78M | 4.71M | 4.65M | 4.56M | +1.3% |
| Diluted shares | 4.78M | 4.71M | 4.65M | 4.56M | +1.3% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $31.17M | $31.57M | $48.73M | $35.28M | -1.3% |
| Accounts receivable | $6.33M | $6.88M | $7.29M | $6.17M | -8.0% |
| Property, plant & equipment | $34.99M | $37.08M | $24.04M | $24.18M | -5.6% |
| Goodwill & intangibles | $10.42M | $11.04M | $4.62M | $4.64M | -5.7% |
| Total assets | $1.43B | $1.47B | $1.47B | $1.40B | -3.3% |
| Current debt | $44.00M | $61.00M | $125.68M | $60.33M | -27.9% |
| Long-term debt | $44.23M | $57.17M | $79.83M | $85.40M | -22.6% |
| Total debt | $105.92M | $136.51M | $211.60M | $152.57M | -22.4% |
| Total liabilities | $1.30B | $1.35B | $1.35B | $1.29B | -3.6% |
| Retained earnings | $73.37M | $77.82M | $76.06M | $71.32M | -5.7% |
| Shareholder equity | $122.45M | $121.48M | $119.50M | $111.00M | +0.8% |
| Net tangible assets | $112.03M | $110.44M | $114.87M | $106.36M | +1.4% |
| Shares issued | 6.19M | 6.13M | 6.10M | 6.03M | +1.0% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | -$1.93M | $3.38M | $9.29M | $12.93M | -157.1% |
| Depreciation & amortisation | $2.40M | $1.34M | $1.34M | $700.00K | +79.4% |
| Stock-based compensation | $985.00K | $247.00K | $462.00K | $626.00K | +298.8% |
| Change in working capital | -$489.00K | -$2.19M | $459.00K | $2.05M | +77.7% |
| Operating cash flow | $11.68M | $11.21M | $15.43M | $21.73M | +4.2% |
| Capital expenditure | -$1.26M | -$8.33M | -$1.97M | -$5.21M | +84.9% |
| Investing cash flow | $40.45M | -$22.40M | -$54.79M | -$131.16M | +280.6% |
| Dividends paid | -$2.46M | -$2.38M | -$2.19M | -$2.04M | -3.4% |
| Financing cash flow | -$52.52M | -$5.97M | $52.81M | $107.56M | -779.7% |
| Free cash flow | $10.42M | $2.88M | $13.47M | $16.52M | +262.2% |
| End cash position | $31.17M | $31.57M | $48.73M | $35.28M | -1.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $11.78M | $11.47M | $11.97M | $13.10M | $9.29M | +2.7% |
| Operating revenue | $11.78M | $11.47M | $11.97M | $13.10M | $9.29M | +2.7% |
| Selling, general & admin | $4.95M | $5.15M | $5.28M | $5.26M | $4.60M | -3.9% |
| Pre-tax income | $3.25M | $2.94M | -$8.52M | $672.00K | $38.00K | +10.5% |
| Tax provision | $585.00K | $530.00K | -$2.96M | $46.00K | $7.00K | +10.4% |
| Net income | $2.67M | $2.41M | -$5.56M | $626.00K | $31.00K | +10.6% |
| Net income to common | $2.07M | $1.84M | -$5.10M | $626.00K | $25.00K | +12.3% |
| Basic EPS | 0.42 | 0.38 | -1.12 | 0.10 | 0.00 | +10.5% |
| Diluted EPS | 0.42 | 0.38 | -1.12 | 0.10 | 0.00 | +10.5% |
| Basic shares | 4.89M | 4.84M | 4.80M | 4.79M | 4.77M | +1.1% |
| Diluted shares | 4.96M | 4.88M | 4.80M | 4.79M | 4.77M | +1.5% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $26.05M | $39.16M | $31.17M | $40.57M | $31.48M | -33.5% |
| Accounts receivable | $6.51M | $5.83M | $6.33M | $6.50M | $6.89M | +11.6% |
| Property, plant & equipment | $34.20M | $34.64M | $34.99M | $35.97M | $36.44M | -1.3% |
| Goodwill & intangibles | $10.10M | $10.26M | $10.42M | $10.57M | $10.73M | -1.5% |
| Total assets | $1.49B | $1.42B | $1.43B | $1.47B | $1.51B | +5.0% |
| Current debt | $125.00M | $15.00M | $44.00M | $38.00M | $75.50M | +733.3% |
| Long-term debt | $38.53M | $42.53M | $44.23M | $48.96M | $51.18M | -9.4% |
| Total debt | $180.99M | $75.11M | $105.92M | $104.77M | $144.56M | +141.0% |
| Total liabilities | $1.37B | $1.30B | $1.30B | $1.35B | $1.38B | +5.3% |
| Retained earnings | $77.18M | $75.14M | $73.37M | $79.56M | $79.56M | +2.7% |
| Shareholder equity | $125.74M | $123.58M | $122.45M | $126.34M | $124.41M | +1.7% |
| Net tangible assets | $115.64M | $113.32M | $112.03M | $115.77M | $113.68M | +2.0% |
| Shares issued | 6.28M | 6.26M | 6.19M | 6.17M | 6.17M | +0.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $2.67M | $2.41M | -$5.56M | $626.00K | $31.00K | +10.6% |
| Depreciation & amortisation | $625.00K | $639.00K | $403.00K | $818.00K | $513.00K | -2.2% |
| Stock-based compensation | $278.00K | $260.00K | $290.00K | $235.00K | $286.00K | +6.9% |
| Change in working capital | -$612.00K | -$2.94M | $724.00K | -$943.00K | -$2.06M | +79.2% |
| Operating cash flow | $2.35M | -$241.00K | $2.67M | $7.05M | -$3.74M | +1,073.4% |
| Capital expenditure | -$165.00K | -$248.00K | -$273.00K | -$126.00K | -$224.00K | +33.5% |
| Investing cash flow | -$83.61M | $11.24M | $28.29M | $39.16M | -$25.14M | -844.1% |
| Dividends paid | -$626.00K | -$618.00K | -$1.03M | -$202.00K | -$615.00K | -1.3% |
| Financing cash flow | $68.16M | -$3.01M | -$40.36M | -$37.12M | $8.88M | +2,367.3% |
| Free cash flow | $2.18M | -$489.00K | $2.40M | $6.92M | -$3.96M | +546.0% |
| End cash position | $26.05M | $39.16M | $31.17M | $40.57M | $31.48M | -33.5% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Mar 2014 | — | 0.12 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | — | — | $0 | — |
| Next quarter | — | — | $0 | — |
| Current year | — | — | $0 | — |
| Next year | — | — | $0 | — |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
ConsensusNONE
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders21.96%
Held by institutions33.04%
Institutions holding25
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
17.22
-1.91% from price
SMA 20
17.25
-2.08% from price
SMA 50
16.62
+1.64% from price
SMA 100
15.90
+6.20% from price
SMA 200
14.76
+14.46% from price
EMA 12
17.10
-1.22% from price
EMA 26
16.97
-0.46% from price
EMA 50
16.64
+1.47% from price
RSI (14)
49.2
Neutral
MACD (12,26,9)
0.13
Hist -0.09
ATR (14)
0.45
2.67% of price
Realised vol 30D
38.7%
Annualised
Bollinger upper
18.03
20, 2σ
Bollinger lower
16.47
20, 2σ
50 / 200 cross
Golden
16.62 vs 14.76
Trend bias
Above 200
+14.46%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.14
Less volatile than market
Correlation to SPY
0.05
Largely independent
Realised vol 30D
38.7%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-21.5%
Peak to trough
Max drawdown 5Y
-47.7%
Peak to trough
ATR 14
0.45
2.67% of price
Beta (reported)
0.12
5Y monthly, from filing
Short interest
Shares short
9.22K
Prior 11.82K
Change vs prior
-22.0%
Shorts covering
% of float
0.22%
Normal
% of shares out
0.15%
Against total outstanding
Days to cover
1.5
Liquid
Float
3.59M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Dividends & splits
Forward rate$0.40 / yr
Forward yield2.37%
5-year avg yield2.22%
Payout ratio4000.00%
Ex-dividend dateOct 16, 2026
Next pay dateNov 6, 2026
Last split1647:1000
Split dateOct 17, 2014
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-09-28
Periodic Financial Reports
10-Q · 2026-08-13
Corporate Changes & Voting Matters
8-K · 2026-07-30
Corporate Changes & Voting Matters
8-K · 2026-06-29
Annual report of employee stock purchase
11-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-06-04
Periodic Financial Reports
10-Q · 2026-05-15
Corporate Changes & Voting Matters
8-K · 2026-05-07
Headlines
PRIVATE STRATEGY · BY QUALIFICATION
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