{"filings":[{"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; press release not fully provided","summary_kind":"llm","event_type":"earnings","confidence":"low","bullets":["Press release issued on Jan 31, 2025 for Q4 2024 financial results.","No specific earnings per share, revenue, or segment details available in the filing text.","Exhibit 99.1 containing the press release was not included in the user message for analysis."],"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":192042,"accession_number":"0000950170-24-139588","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-12-23T23:59:59+00:00","items":["8.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp declares Q4 2024 dividend of $0.10 per share","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.","Payable on February 7, 2025, to shareholders of record as of January 17, 2025.","Dividend relates to the fourth quarter of 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":192041,"accession_number":"0000950170-24-118978","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-10-30T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q3 net loss $4.6M; $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. Dowd's new 3-year employment agreement with $415,000 base salary, replacing prior change-in-control agreement.","CFO Justin Bigham's change-in-control agreement provides severance of 24 months salary plus 2x bonus for qualifying termination.","Agreements include automatic renewal provisions and standard severance for termination without cause or with good reason.","CEO agreement has three-year term with annual extensions; CFO CIC initial term through January 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":0.6,"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":208521,"accession_number":"0000950170-24-087268","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-07-29T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Pathfinder Bancorp Q2 net income $2.0M, EPS $0.32 flat YoY; 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; branch will be converted to Pathfinder Bank operations."],"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":0.65,"calibrated_materiality_score":0.65,"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":226217,"accession_number":"0000950170-24-070377","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-06-07T23:59:59+00:00","items":["5.02","5.07","9.01"],"status":"ready","headline":"Shareholders approve 2024 Equity Incentive Plan, re-elect three directors at Pathfinder Bancorp annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Shareholders elected John P. Funiciello, Tony Scavuzzo, and Lloyd Stemple to three-year terms as directors.","Approved 2024 Equity Incentive Plan reserving up to 300,000 shares of common stock for awards to officers, employees, and directors.","Advisory Say-on-Pay resolution passed with 3,116,755 votes for, 139,488 against, and 42,848 abstentions.","Ratified Bonadio & Company, LLP as independent auditor for fiscal year ending December 31, 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":0.3,"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":226216,"accession_number":"0000950170-24-069693","cik":1609065,"company_name":"Pathfinder Bancorp, Inc.","ticker":"PBHC","form_type":"8-K","filed_at":"2024-06-06T23:59:59+00:00","items":["7.01","9.01"],"status":"ready","headline":"Pathfinder Bancorp presents at annual meeting; no material financial updates disclosed","summary_kind":"llm","event_type":"other","confidence":"low","bullets":["Annual Meeting of Shareholders held June 6, 2024; presentation attached as Exhibit 99.1.","Presentation includes welcoming remarks by Chairman Chris R. 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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