Pathfinder Bancorp, Inc.
NASDAQ Capital MarketCapital Structure
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in mil. unless spec.Working Capital
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in mil. unless spec.Growth Rates
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in mil. unless spec.Quarterly Revenue
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in mil. unless spec.Quarterly Earnings Per Share
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in mil. unless spec.Quarterly Dividends Per Share
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in mil. unless spec.- CEO
- James A. Dowd
- Full Time Employees
- 172
- Sector
- Financial Services
- Industry
- Banks - Regional
- Address
- 214 West First Street Oswego NY United States of America 13126
- IPO Date
- Nov 16, 1995
- CIK
- 0001609065
- Website
- pathfinderbank.com
- Similar Companies
- Business
- Pathfinder Bancorp, Inc. operates as a financial holding company primarily engaged in community banking through its subsidiary, Pathfinder Bank. The company offers a full range of banking products and services including commercial and consumer loans, residential mortgage loans, business and personal deposit accounts, treasury management services, and standby letters of credit. It serves individuals, small to medium-sized businesses, and local governments, focusing on relationship-driven, local community banking mainly within Central New York, including Onondaga and Oswego counties. Founded in 2005 and headquartered in Oswego, New York, Pathfinder Bancorp maintains a strategic focus on supporting regional economic growth, particularly in the technology and semiconductor sectors. Recent major changes include the acquisition and assumption of the East Syracuse branch of Berkshire Bank in July 2024, which added approximately $186 million in deposits and $30 million in loans, significantly expanding its geographical footprint and deposit base in Central New York. This acquisition supports Pathfinder’s strategy to enhance shareholder value and strengthen community ties. The company has also been advancing in loan portfolio management and credit risk mitigation, with a comprehensive review expected to finalize by the end of 2025. Financial results in 2025 show improved profitability and efficiency, with notable reductions in nonperforming loans and increased net interest income. Additionally, Pathfinder Bancorp continues to invest in customer-facing technologies and digital banking solutions to improve operational efficiency and customer service, while maintaining strong liquidity through partnerships with institutions like the Federal Home Loan Bank of New York. Pathfinder Bancorp operates in the banking and finance sector, targeting local consumers and businesses with products such as commercial and residential loans, deposit products, treasury management, and credit facilities including standby letters of credit. Its business model emphasizes community banking and relationship management with a presence concentrated in New York state. The company’s strategic alliances and capital structure enable it to support growth and service expansion, alongside disciplined credit risk control and technology enhancements to streamline operations. This description captures the company's core business offerings, recent strategic advancements, geographic reach, and financial health as of late 2025. Pathfinder Bancorp’s focus on regional market expansion through acquisitions and technological investments highlights its commitment to long-term sustainable growth in community banking within the Central New York region. The headquarters remains in Oswego, New York, with operations largely centered around this and nearby counties. Pathfinder Bancorp, Inc. is publicly traded under the ticker PBHC. Its leadership continues to prioritize asset quality, credit risk management, and shareholder value amidst a challenging economic environment. Recent quarterly results affirm steady financial improvement and operational discipline aligned with its strategic goals. These developments reflect Pathfinder Bancorp’s ongoing evolution as a local banking institution adapting to market conditions and regional economic trends.
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