---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-049868"
form_type: "8-K"
ticker: "PBHC"
cik: "0001609065"
company_name: "Pathfinder Bancorp, Inc."
filed_at: "2024-04-29T23:59:59+00:00"
generated_at: "2026-06-03T05:34:34.270498+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Pathfinder Bancorp Q1 net income $2.1M ($0.34 EPS); dividend raised 11.1% to $0.10

## Summary
- 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.

## SEC filing metadata
- accession: 0000950170-24-049868
- form_type: 8-K
- ticker: PBHC
- cik: 0001609065
- company_name: Pathfinder Bancorp, Inc.
- filed_at: 2024-04-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1609065/000095017024049868/0000950170-24-049868-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1609065/000095017024049868/pbhc-20240429.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-049868
- JSON: https://secwatch.observer/filing/0000950170-24-049868.json
- Plain text: https://secwatch.observer/filing/0000950170-24-049868.txt

## Key facts
- Earnings Releases
  Pathfinder Bancorp, Inc. reported first quarter 2024 results: revenue total revenue... of $11.1 million, net income net income available to common shareholders of $2.1 million, EPS $0.34 per basic and diluted share.
  - Period: first quarter 2024
  - Revenue: total revenue... of $11.1 million
  - Net income: net income available to common shareholders of $2.1 million
  - EPS: $0.34 per basic and diluted share
  - Result: reported results
  source text: 2023. The Company's total revenue, which is comprised of net interest income, before provision for credit losses, and total noninterest income, for the first quarter of 2024 was $11.1 million, a decrease of $423,000, or 3.7%, when compared to the same quarter in 2023. Performance Highlights for Three Months Ended March 31, 2024: • The Bank's Board of Directors
  evidence_url: https://www.sec.gov/Archives/edgar/data/1609065/000095017024049868/0000950170-24-049868-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.