{"schema_version":"secwatch.filing_event.v1","accession":"0000950170-24-009786","form_type":"8-K","ticker":"PBHC","cik":"0001609065","company_name":"Pathfinder Bancorp, Inc.","filed_at":"2024-02-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.797300+00:00","generated_at":"2026-06-06T11:07:41.339500+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Pathfinder Bancorp Q4 net income $2.5M ($0.41/share), down 28% YoY; FY 2023 net income $9.3M ($1.51/share)","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."],"urls":{"canonical":"https://secwatch.observer/filing/0000950170-24-009786","json":"https://secwatch.observer/filing/0000950170-24-009786.json","markdown":"https://secwatch.observer/filing/0000950170-24-009786.md","text":"https://secwatch.observer/filing/0000950170-24-009786.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024009786/0000950170-24-009786-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024009786/pbhc-20240201.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T11:07:41.339500+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"38c1432d20acdf0b707120f968118e858fe4cd00","claim":"Pathfinder Bancorp, Inc. reported fourth quarter 2023 results: net income $2.5 million, EPS $0.41 per basic and diluted share.","evidence_excerpt":"Pathfinder Bancorp, Inc. (“Company”) (NASDAQ: PBHC), the holding company for Pathfinder Bank (“Bank”), announced fourth quarter 2023 net income available to common shareholders of $2.5 million, or $0.41 per basic and diluted share, compared to $3.5 million, or $0.58 per basic and diluted share, for the fourth quarter of 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024009786/0000950170-24-009786-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter 2023"},{"label":"Net income","value":"$2.5 million"},{"label":"EPS","value":"$0.41 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"93bb957057bdbdf80c898a6455ceba854fa4e189","claim":"Pathfinder Bancorp, Inc. reported full year 2023 results: net income $9.3 million, EPS $1.51 per basic and diluted share.","evidence_excerpt":"For the full year 2023, total net income attributable to Pathfinder Bancorp, Inc. was $9.3 million, or $1.51 per basic and diluted share, compared to $12.9 million, or $2.13 per basic and diluted share, in 2022.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1609065/000095017024009786/0000950170-24-009786-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"full year 2023"},{"label":"Net income","value":"$9.3 million"},{"label":"EPS","value":"$1.51 per basic and diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}