Earnings summaries and quarterly performance for Pathfinder Bancorp.
Executive leadership at Pathfinder Bancorp.
JA
James A. Dowd
Detailed
Chief Executive Officer
CEO
JF
Joseph F. Serbun
Detailed
Chief Credit Officer
JP
Joseph P. McManus
Detailed
Chief Information Officer
JK
Justin K. Bigham
Detailed
Chief Financial Officer
RG
Robert G. Butkowski
Detailed
Chief Operating Officer
RG
Ronald G. Tascarella
Detailed
Chief Lending Officer
WD
William D. O’Brien
Detailed
Chief Risk Officer and Corporate Secretary
Board of directors at Pathfinder Bancorp.
AC
Adam C. Gagas
Detailed
Director
DA
David A. Ayoub
Detailed
Director
EA
Eric Allyn
Detailed
Director
JF
John F. Sharkey, III
Detailed
Director
JP
John P. Funiciello
Detailed
Director
L"
Lloyd "Buddy" Stemple
Detailed
Director
MC
Meghan Crawford-Hamlin
Detailed
Director
ML
Melanie Littlejohn
Detailed
Director
TS
Tony Scavuzzo
Detailed
Director
WA
William A. Barclay
Detailed
Chairman of the Board
Research analysts covering Pathfinder Bancorp.
Recent press releases and 8-K filings for PBHC.
Pathfinder Bancorp, Inc. Reports Q4 and Full Year 2025 Net Loss Driven by Credit Loss Provision
PBHC
Earnings
Profit Warning
Dividends
- Pathfinder Bancorp, Inc. reported a net loss attributable to common shareholders of $7.0 million, or $1.11 per diluted share, for the fourth quarter of 2025, and a net loss of $3.4 million, or $0.54 per diluted share, for the full year 2025.
- This loss was primarily due to an $11.2 million credit loss provision expense in Q4 2025, which increased the Allowance for Credit Losses (ACL) to $29.4 million, or 3.28% of loans, at December 31, 2025, following a comprehensive commercial loan review.
- Deposits totaled $1.18 billion at December 31, 2025, with core deposits expanding to 79.78% of total deposits.
- The company declared a quarterly cash dividend of $0.10 per share, payable on February 6, 2026, resulting in an annualized dividend yield of 2.83% as of December 31, 2025.
Jan 29, 2026, 9:22 PM
Pathfinder Bancorp Announces Fourth Quarter and Full Year 2025 Financial Results
PBHC
Earnings
Profit Warning
Dividends
- Pathfinder Bancorp reported a net loss attributable to common shareholders of $7.0 million, or $1.11 per diluted share, for the fourth quarter of 2025, and a net loss of $3.4 million, or $0.54 per diluted share, for the full year 2025.
- The net loss was primarily due to an $11.2 million credit loss provision expense in the fourth quarter of 2025, which increased the allowance for credit losses (ACL) by $10.8 million to $29.4 million, or 3.28% of loans, at December 31, 2025, following a comprehensive review of the commercial loan portfolio.
- Nonperforming loans increased to $27.6 million at December 31, 2025, compared to $22.1 million on December 31, 2024.
- Total loans were $896.7 million and deposits totaled $1.18 billion at December 31, 2025, with core deposits expanding to 79.78% of total deposits.
- The company declared a quarterly cash dividend of $0.10 per share, payable on February 6, 2026, which represented an annualized dividend yield of 2.83% as of December 31, 2025.
Jan 29, 2026, 9:18 PM
Pathfinder Bancorp, Inc. Announces Third Quarter 2025 Results
PBHC
Earnings
Dividends
- Pathfinder Bancorp, Inc. reported net income attributable to common shareholders of $626,000, or $0.10 per diluted share, for the third quarter of 2025, a significant increase from $31,000 (less than $0.01 per diluted share) in the second quarter of 2025 and a net loss of $4.6 million ($0.75 per share) in the third quarter of 2024.
- The company's net interest income was $11.6 million and the net interest margin (NIM) was 3.34% in Q3 2025, up from $10.8 million and 3.11% in the linked quarter.
- Nonperforming loans increased to $23.3 million, representing 2.59% of total loans at September 30, 2025, compared to $11.7 million (1.28%) in the prior quarter, primarily due to two commercial relationships. Provision expense for credit losses was $3.5 million in Q3 2025.
- Total deposits grew to $1.23 billion at September 30, 2025, with core deposits reaching $960.1 million, or 78.37% of total deposits.
- The Board of Directors declared a cash dividend of $0.10 per share on September 29, 2025, payable on November 7, 2025.
Oct 30, 2025, 8:10 PM
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