{"filings":[{"id":1968317,"accession_number":"0001193125-26-326175","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-07-30T20:20:13+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q2 2026 earnings press release not provided in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release referenced as Exhibit 99.1 but not appended; no financial details available.","Filing indicates second quarter 2026 results were released on July 30, 2026.","Unable to extract specific numbers such as EPS, revenue, or loan growth from the provided text."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":1333716,"accession_number":"0001193125-26-288503","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-06-29T20:21:20+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend payable Aug 7, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per share on voting and non-voting common stock declared.","Payable August 7, 2026 to shareholders of record on July 17, 2026.","Dividend relates to fiscal quarter ending June 30, 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":854556,"accession_number":"0001193125-26-256971","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-06-04T17:26:53+00:00","items":["5.07","9.01"],"status":"ready","headline":"Pathfinder Bancorp shareholders elect four directors and ratify auditor at 2026 annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["David Ayoub, William Barclay, James Dowd, and John Sharkey elected to three-year terms.","Ayoub: 2,988,385 for, 169,760 withheld; Barclay: 2,966,515 for, 191,630 withheld.","Dowd: 3,052,032 for, 106,113 withheld; Sharkey: 2,545,016 for, 613,129 withheld.","Ratification of Bonadio & Company as independent auditor for FY 2026 approved with 3,981,917 for, 8,109 against, 5,099 abstain."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.15,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":844677,"accession_number":"0001193125-26-256601","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-06-04T13:19:53+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp annual meeting held June 4, 2026; no material updates in presentation","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Annual meeting of shareholders held on June 4, 2026.","Presentation attached as Exhibit 99.1 contains only a title slide and welcoming remarks from Chairman William A. Barclay.","No financial results, guidance changes, or other material disclosures were provided."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94064,"accession_number":"0000943374-26-000191","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp and Castle Creek Amend Registration Rights Agreement, Extending Filing Deadline to May 8, 2027","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["On May 4, 2026, Pathfinder Bancorp (PBHC) and Castle Creek Capital Partners VII amended their Registration Rights Agreement.","The amendment extends the deadline for filing a resale registration statement from May 8, 2026 to May 8, 2027.","This is the fourth amendment; prior extensions were in 2023, 2024, and 2025.","The agreement stems from a 2019 securities purchase agreement with Castle Creek."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":94063,"accession_number":"0001193125-26-191606","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-04-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Announces First Quarter 2026 Financial Results","summary_kind":"llm","event_type":"earnings","confidence":"medium","bullets":["Issued press release on April 29, 2026 disclosing first quarter 2026 financial results.","Press release filed as Exhibit 99.1 to this Form 8-K.","Financial results subject to Items 2.02 and 9.01 disclosure requirements."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106165,"accession_number":"0001193125-26-131762","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-03-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend payable May 8, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per voting common, non-voting common, and notional warrant share declared.","Dividend payable on May 8, 2026 to shareholders of record as of April 17, 2026.","Dividend relates to fiscal quarter ending March 31, 2026; no change in dividend rate indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106164,"accession_number":"0001193125-26-082628","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-02-27T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp revises Q4 2025 net loss to $5.6M after $1.5M tax benefit","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Additional $1.5M income tax benefit recorded; Q4 2025 tax benefit revised to $3.0M.","Revised net loss: Q4 2025 $5.6M ($0.88/diluted share) vs. previously reported $7.0M ($1.11).","FY 2025 net loss revised to $1.9M ($0.31/diluted share) from prior $3.4M ($0.54).","Adjustment is non-cash, does not affect cash taxes payable or operational cash flows.","Corrected financials will be reflected in upcoming Annual Report on Form 10-K."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":106163,"accession_number":"0001193125-26-029411","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2026-01-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp issues Q4 2025 results press release; no specific figures in filing","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Press release dated January 29, 2026 discloses fourth quarter 2025 financial results.","Details of revenue, EPS, or segment performance are not included in the 8-K text itself.","Refer to Exhibit 99.1 (press release) for actual financial data."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122446,"accession_number":"0001193125-25-328729","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-12-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 per share quarterly dividend, payable Feb 6, 2026","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.10 per voting and non-voting common share, and $0.10 per notional share for warrant.","Payable February 6, 2026 to shareholders of record January 16, 2026.","Fourth quarter 2025 dividend declared by Board on December 22, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":122445,"accession_number":"0001193125-25-258539","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp releases Q3 2025 earnings; no figures in 8-K","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued October 30, 2025 for Q3 2025 financial results.","No specific financial data (EPS, revenue, YoY changes) included in 8-K filing text.","Investors should refer to full press release (Exhibit 99.1) for details.","Ticker: PBHC."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139140,"accession_number":"0001193125-25-223211","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-09-29T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend, payable Nov 7, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.10 per voting common, non-voting common, and warrant notional share.","Record date October 17, 2025; payment date November 7, 2025.","Announced by President and CEO James A. Dowd on September 29, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":139139,"accession_number":"0000950170-25-100313","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-07-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp issues Q2 2025 earnings release; no figures in filing text","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Company disclosed Q2 2025 earnings via press release, but the filing text does not include the release details.","No specific financial numbers are available from the provided filing text.","The press release is referenced but not appended; actual results unavailable from this filing."],"consensus_eps_estimate":null,"consensus_eps_actual":0.47,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156678,"accession_number":"0000950170-25-091554","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-06-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend for Q2 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.10 per share on voting common and non-voting common, plus $0.10 per notional warrant share.","Record date: July 18, 2025; payable August 8, 2025.","Dividend covers the fiscal quarter ending June 30, 2025.","No change in dividend rate from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156677,"accession_number":"0000950170-25-082174","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Pathfinder Bancorp shareholders elect four directors and ratify auditor at 2025 annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Directors elected for three-year terms: Eric Allyn (2,722,315 for), Meghan Crawford-Hamlin (2,295,489), Adam C. Gagas (2,723,236), Melanie Littlejohn (2,625,511).","Ratification of Bonadio & Company, LLP as independent auditor for 2025 approved with 3,846,031 votes for, 10,371 against, 29,534 abstain.","All proposals put to vote at the June 5, 2025 annual meeting were approved by shareholders."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.15,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156676,"accession_number":"0000950170-25-082020","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp annual meeting held; presentation lacks new financial or strategic specifics","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Annual meeting conducted June 5, 2025; presentation furnished as Exhibit 99.1.","Presentation included welcoming remarks by Chairman William A. Barclay and CEO James A. Dowd.","No earnings guidance, dividend changes, or M&A activity disclosed in the filing or exhibit."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156675,"accession_number":"0000950170-25-061048","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q1 2025 EPS $0.41, NIM expands to 3.31%, NPLs improve","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income attributable to common $3.0M ($0.41 diluted EPS) vs $2.1M ($0.34) in Q1 2024.","Net interest margin 3.31% vs 2.75% YoY; net interest income $11.4M, up $2.0M YoY.","Total deposits $1.26B (+10.3% YoY); core deposits 78.31% of total vs 69.17% a year ago.","Nonperforming loans improved to $13.2M (1.45% of loans) from $19.7M (2.20%) YoY.","Efficiency ratio 66.84% vs 68.29% YoY; dividend $0.10/share declared payable May 9, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":156674,"accession_number":"0000943374-25-000180","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp extends registration deadline with Castle Creek to May 2026","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Third Amendment pushes filing deadline for resale registration statement to May 8, 2026.","Prior deadline was May 8, 2025; this is the third consecutive one-year extension.","Amendment covers securities sold to Castle Creek in a 2019 private placement.","No other terms of the Registration Rights Agreement were changed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.15,"calibrated_materiality_score":0.15,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175096,"accession_number":"0000950170-25-047707","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-03-31T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend payable May 9, 2025","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.10 per voting common and non-voting common share declared.","Record date is April 18, 2025; payment date is May 9, 2025.","Dividend of $0.10 per notional share also declared for the issued warrant.","Dividend relates to fiscal quarter ending March 31, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175095,"accession_number":"0000950170-25-031981","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-03-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp restates Q4 and FY 2024 earnings due to interest expense omission","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Net income for Q4 2024 revised from $4.3M ($0.69/sh) to $3.9M ($0.63/sh).","Full-year 2024 net income revised from $3.8M ($0.60/sh) to $3.4M ($0.54/sh).","Omitting accrued interest on brokered CDs overstated net interest income by ~$443K.","Net interest margin for full-year 2024 revised from 3.01% to 2.98%.","Corrected figures will appear in the forthcoming 10-K for 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":175094,"accession_number":"0000950170-25-011764","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2025-01-31T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp reports Q4 2024 results; 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$9M provision drives $8.7M charge-offs","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net loss $4.6M ($0.75/sh) vs Q2 income $2.0M ($0.32/sh); $9.0M provision from comprehensive loan review.","Net charge-offs $8.7M; nonperforming loans cut 34% to $16.2M (1.75% of total loans).","Net interest income $11.7M (+23.8% linked qtr); NIM 3.34% (+56bps); includes $887k catch-up interest.","Deposits $1.20B (+8.6% q/q) with $186M from branch acquisition; loan-to-deposit 77.1%.","Sold FitzGibbons Agency for ~$2.0M; Q4 gain expected. Dividend $0.10/sh payable Nov 8."],"consensus_eps_estimate":null,"consensus_eps_actual":0.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208524,"accession_number":"0000950170-24-110368","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-09-30T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend; payable Nov 8","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per voting common and non-voting common share declared.","Dividend payable on November 8, 2024 to shareholders of record on October 18, 2024.","Cash dividend of $0.10 per notional share also declared for the issued warrant."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208523,"accession_number":"0000943374-24-000392","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-09-26T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp EVP Ronald Tascarella retiring; Joseph Serbun named Chief Credit Officer","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Ronald Tascarella, 66, EVP & Chief Banking Officer, retires effective Nov 30, 2024 after 18 years at Pathfinder Bank.","Joseph Serbun promoted to SVP & Chief Credit Officer effective immediately; joined Pathfinder in 2023 as Special Assets Manager.","Under Tascarella, loan portfolio grew from ~$200M to ~$900M (+350%) as of June 30, 2024.","Serbun brings 40 years experience; previously served as chief credit officer and president of retail banking at Community Bank."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208522,"accession_number":"0000943374-24-000372","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-09-09T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp signs new CEO employment agreement ($415K base) and CFO change-in-control pact","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO James A. 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East Syracuse branch acquired","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.0M ($0.32 EPS) unchanged YoY; total revenue $10.7M down 1.2%.","Net interest margin 2.78% expanded 3 bps from Q1 2024 but down from 2.96% a year ago.","Noninterest expense $7.9M +10.2% YoY on higher salaries & professional fees.","Completed purchase of East Syracuse branch; assumed $186M deposits, $30M loans; to repay ~$150M borrowings at 5.33%.","Nonperforming loans ratio rose to 2.76% from 1.92% at Dec 2023; ACL ratio 1.90%."],"consensus_eps_estimate":null,"consensus_eps_actual":0.41,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208520,"accession_number":"0000950170-24-085059","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-07-22T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder completes purchase of Berkshire Bank's East Syracuse branch; assumes $186M in deposits","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Assumed approximately $186M in deposit liabilities and acquired $30M in loans from Berkshire Bank's East Syracuse branch.","Branch conversion completed July 20-21, 2024; opened as Pathfinder branch on July 22.","Six former Berkshire Bank employees, led by Kim Ciarpelli, transitioned to Pathfinder.","Acquisition aligns with strategy to expand in Central New York region."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":208519,"accession_number":"0000950170-24-079613","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-07-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.10 quarterly dividend, payable Aug 9","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Quarterly cash dividend of $0.10 per voting and non-voting common share declared.","Also $0.10 per notional share for the issued warrant.","Payable August 9, 2024 to shareholders of record July 19, 2024.","Dividend covers fiscal quarter ending June 30, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226218,"accession_number":"0000950170-24-072907","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-06-13T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp gets OK for $198M deposit branch acquisition from Berkshire Bank","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Received regulatory approvals from NY DFS and FDIC for Berkshire Bank East Syracuse branch.","Acquisition includes approximately $198M in deposits and $32M in consumer/residential loans.","Expects favorable IRR, EPS accretion, and reasonable tangible book value earn-back period.","Closing expected in Q3 2024; 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Burritt and CEO James A. Dowd.","No financial results, guidance, or strategic announcements are contained in the furnished excerpt.","Filing is procedural under Items 7.01 and 9.01; presentation is furnished, not filed."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.05,"calibrated_materiality_score":0.05,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226215,"accession_number":"0000943374-24-000173","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-05-08T23:59:59+00:00","items":["1.01","5.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp CFO Walter Rusnak to retire June 28, 2024; Justin Bigham named successor","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Walter F. 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dividend raised 11.1% to $0.10","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.1M ($0.34 diluted) vs $2.6M ($0.43) in Q1 2023, down 19%.","Total revenue $11.1M, down 3.7% YoY; net interest margin 2.75% vs 3.02%.","Quarterly dividend increased 11.1% to $0.10 per share, payable on a future date.","Total loans $891.5M, down $18.6M YoY and $5.7M from December 31, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":226213,"accession_number":"0000950170-24-039349","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-04-01T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp increases quarterly dividend to $0.10, up 11.1%","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.10 per voting common, non-voting common, and warrant notional share declared for Q1 2024.","Dividend payable May 10, 2024 to shareholders of record on April 19, 2024.","Represents an $0.01 (11.1%) increase over the prior quarter's $0.09 dividend."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":245281,"accession_number":"0000950170-24-025390","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-03-05T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp provides investor materials for East Syracuse branch acquisition","summary_kind":"llm","event_type":"m_and_a","confidence":"low","bullets":["Investor materials attached regarding the recent branch acquisition by Pathfinder Bank in East Syracuse.","No financial terms or specific deal details disclosed in the filing or exhibit.","Materials furnished under Regulation FD for use in discussions with investors and analysts."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":245280,"accession_number":"0000950170-24-024940","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-03-04T23:59:59+00:00","items":["1.01","7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp signs agreement to acquire Berkshire Bank's East Syracuse branch with $198M deposits, $32M loans","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Acquires ~$198M in deposits and ~$32M in consumer/residential loans; one East Syracuse branch location.","Deposit premium of 5.8% on core deposits; total premium equates to ~4.0% of aggregate deposits.","Pro forma total assets ~$1.7B; management expects favorable IRR and EPS accretion.","Pathfinder assumes Berkshire's existing commercial lease with annual cost ~$946,000.","Transaction expected to close by Q3 2024, subject to regulatory approvals and customary conditions."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":245279,"accession_number":"0000950170-24-009786","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-02-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q4 net income $2.5M ($0.41/share), down 28% YoY; FY 2023 net income $9.3M ($1.51/share)","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $2.5M vs $3.5M in Q4 2022; diluted EPS $0.41 vs $0.58.","Full-year net income $9.3M vs $12.9M in 2022; diluted EPS $1.51 vs $2.13.","Net interest margin fell to 2.74% for Q4 (3.42% in Q4 2022) and 2.95% for FY 2023 (3.24% in FY 2022).","Total assets $1.47B (+4.7% YoY); loan portfolio stable at $897.2M; deposits slipped 0.5% to $1.12B.","Management guides to ~4% annual loan growth for 2024; provision for credit losses $2.9M for FY 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262737,"accession_number":"0000950170-23-073030","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-12-26T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.09 quarterly dividend, payable Feb 2","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.09 per common share (voting and non-voting) declared for Q4 2023.","Dividend also $0.09 per notional share for the outstanding warrant.","Payable February 2, 2024 to shareholders of record on January 12, 2024.","Represents regular quarterly dividend; amount unchanged from prior quarter."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262736,"accession_number":"0000943374-23-000442","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-11-06T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp names Robert G. Butkowski SVP and COO effective Oct 31, 2023","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Robert G. Butkowski, 48, appointed SVP and COO of Pathfinder Bancorp and Pathfinder Bank effective October 31, 2023.","Butkowski previously served as First Vice President of Branch Administration since 2018; joined Pathfinder Bank in 2010 as Branch Manager.","Role includes overseeing branch network, operations, loan servicing, deposit operations, and customer contact center.","Appointment is part of long-planned management succession and executive development program, per CEO James A. Dowd."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262735,"accession_number":"0000950170-23-057559","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-11-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q3 net income $2.2M, down 31% YoY; $3.9M charge-offs on two loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.2M ($0.35 EPS) vs $3.2M ($0.52) in Q3 2022; revenue after provision $10.4M, -7.2%.","Net interest income after provision $9.2M, -8.4%; interest expense surged to $7.6M from $2.6M.","Recorded $3.9M in charge-offs on two large CRE/commercial relationships; loans total $11.5M at quarter-end.","Total assets $1.40B; deposits stable at $1.13B (+$2.4M since Dec 2022); equity $113.8M.","Management expects continued margin pressure; guides ~4% annual loan growth for next 12-24 months."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":262734,"accession_number":"0000950170-23-051126","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-10-02T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.09 quarterly dividend payable Nov 10, 2023","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.09 per voting common, non-voting common, and warrant notional share.","Payable on November 10, 2023 to shareholders of record as of October 20, 2023.","Dividend covers the fiscal quarter ending September 30, 2023.","No change in dividend amount from prior quarter indicated."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":279923,"accession_number":"0000950170-23-036499","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-08-01T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q2 net income $2.0M, EPS $0.32, down 39% YoY; PCL spikes to $1.1M on two large loans","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.0M ($0.32 diluted EPS) vs $3.3M ($0.54) in Q2 2022, down 39.4% YoY.","Provision for credit losses surged to $1.1M from $59k due to deterioration in two large CRE/commercial loan relationships totaling $13.1M.","Net interest margin 2.96% vs 3.14% in Q2 2022; total revenue $10.8M, down 4.0% YoY.","Total assets $1.39B, down 0.54% from year-end; deposits decreased $24.3M or 2.2% to $1.10B.","Management expects some charge-offs next quarter from the two problem credits; loan growth guided ~4% annually."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":279922,"accession_number":"0000950170-23-031408","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-07-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.09 quarterly dividend payable Aug 11, 2023","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Cash dividend of $0.09 per voting common and non-voting common share declared for Q2 2023.","Dividend also payable at $0.09 per notional share on the issued warrant.","Dividend payable on August 11, 2023 to shareholders of record on July 21, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298415,"accession_number":"0000943374-23-000296","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-06-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"Pathfinder Bancorp appoints Castle Creek's Anthony Scavuzzo to board","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Anthony R. Scavuzzo appointed to Board of Directors of Pathfinder Bancorp and Pathfinder Bank effective June 30, 2023.","Scavuzzo is a Managing Principal at Castle Creek Capital, a private equity firm focused on community banking.","Appointment made under May 2019 Securities Purchase Agreement, exercisable while Castle Creek owns at least 4.9% of PBHC common stock.","Castle Creek provided written notice to exercise its appointment right on June 22, 2023.","Scavuzzo eligible for standard director compensation; no committee assignment initially."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.4,"calibrated_materiality_score":0.4,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298414,"accession_number":"0000950170-23-025749","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-06-01T23:59:59+00:00","items":["5.07"],"status":"ready","headline":"Pathfinder Bancorp shareholders elect five directors, ratify auditor at annual meeting","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["James A. Dowd elected as new director for three-year term (3,025,654 for, 64,660 withheld).","Incumbent directors Ayoub, Barclay, Sharkey re-elected; Burritt elected for one-year term.","Ratification of Bonadio & Company, LLP as auditor approved (3,898,048 for, 44,050 against, 32,637 abstain).","Director votes ranged from 2,800,453 (Barclay) to 3,025,917 (Ayoub) votes for."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298413,"accession_number":"0000950170-23-025547","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-06-01T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp holds annual shareholder meeting; no material news revealed","summary_kind":"llm","event_type":"other_material","confidence":"low","bullets":["Annual meeting held June 1, 2023; management presentation furnished as exhibit.","Chairman Chris R. Burritt delivered welcoming remarks; no operational or financial results disclosed.","Presentation contains no strategic updates, dividends, or material events beyond meeting formalities."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.1,"calibrated_materiality_score":0.1,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298412,"accession_number":"0000943374-23-000188","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-05-12T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp extends deadline to file resale registration statement with Castle Creek to May 2024","summary_kind":"llm","event_type":"other","confidence":"high","bullets":["Company and Castle Creek amended Registration Rights Agreement to extend filing deadline by one year.","Original deadline was May 8, 2023; new deadline is May 8, 2024.","Amendment pertains to registering resale of securities issued in 2019 private placement.","No other terms of the agreement were modified."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.2,"calibrated_materiality_score":0.2,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298411,"accession_number":"0000950170-23-016713","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-05-02T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q1 net income down 12% to $2.6M; nonperforming loans jump to 2.1%","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Net income $2.6M ($0.43 EPS) vs $3.0M ($0.49) a year ago; total revenue up 4.4% to $11.6M.","Provision for credit losses surged to $692K from $102K; nonperforming loans ratio rose to 2.1% from 1.0% at Dec 31, 2022.","Adopted CECL on Jan 1, 2023, reducing retained earnings by $2.1M after tax and tangible book by $0.36 per share.","Net interest margin narrowed slightly to 3.02% from 3.06% due to higher deposit costs.","Management cites stable liquidity with deposit growth of 1.7% in quarter; optimistic on Micron-driven regional growth."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":298410,"accession_number":"0000950170-23-011619","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2023-04-03T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares $0.09 quarterly dividend payable May 19","summary_kind":"llm","event_type":"dividend","confidence":"high","bullets":["Dividend of $0.09 per share on voting common, non-voting common, and warrant.","Record date April 24, 2023; payable May 19, 2023.","Announced by President & CEO James A. Dowd on April 3, 2023."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"market_cap_usd":84775520.6021898,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null}],"next_cursor":"2023-04-03T23:59:59+00:00|298410"}