Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. (Nasdaq: PBHC) is a bank holding company whose primary business is owning Pathfinder Bank, a New York-chartered commercial bank. The bank attracts deposits from the public and uses them to fund commercial real estate, commercial business, residential mortgage, municipal, home equity and… From the company’s description.
Over the twelve months to Jun 30, 2026, Pathfinder Bancorp, Inc. reported revenue of $48.15M, down 4.9% from a year earlier, and net income of $0.14M. Its pre-tax margin was −3.4%. In fiscal 2025, it reported revenue of $46.83M, down 7.4% from fiscal 2024, and a net loss of $1.93M.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Pathfinder Bancorp, Inc. does
In the company’s own words
Pathfinder Bancorp, Inc. (Nasdaq: PBHC) is a bank holding company whose primary business is owning Pathfinder Bank, a New York-chartered commercial bank. The bank attracts deposits from the public and uses them to fund commercial real estate, commercial business, residential mortgage, municipal, home equity and consumer loans, as well as investments in debt securities. It serves individuals, families, small and midsize businesses, and municipalities through branch offices in Oswego and Onondaga counties and a limited-purpose office in Oneida County, New York. The company operates primarily through its banking business, alongside subsidiaries involved in real estate activities and, until the 2024 sale of its majority interest, an insurance brokerage. At December 31, 2025, Pathfinder Bancorp had $1.43 billion in consolidated assets and $1.18 billion in deposits. Its website is www.pathfinderbank.com.
Company details
- Sector
- Financials
- Industry (SIC)
- Banks & Brokers
- Headquarters
- OSWEGO, NY
- Fiscal year end
- December
- CIK
- 1609065
- SIC
- 6022
Financial performance, year by year
Fiscal 2012–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Pathfinder Bancorp, Inc. — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Pathfinder Bancorp, Inc.’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
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