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AI brief of an SEC Form 8-K · Pathfinder Bancorp, Inc. (PBHC)

Pathfinder Bancorp Q3 EPS $0.32, down from $0.42 in Q2, up from $0.10 a year ago

Mixed Impact 3 of 5 earnings Written later

Pathfinder Bancorp reported third quarter 2026 net income of $2.1 million, or $0.32 per diluted share, down from $2.7 million ($0.42) in the second quarter but up from $626,000 ($0.10) a year earlier. Net interest income fell 7.7% from the year-ago quarter, while provision expense dropped to $231,000 from $3.5 million, and the Board declared a $0.10 quarterly dividend.

Key points

  • Net income was $2.1 million, or $0.32 per diluted share, versus $2.7 million ($0.42) in Q2 2026 and $626,000 ($0.10) in Q3 2025.
  • Net interest income was $10.7 million, up $175,000 from Q2 2026 but down $889,000 from $11.6 million in Q3 2025; net interest margin was 3.07% versus 3.34% a year earlier.
  • Provision expense was $231,000 versus $3.5 million in Q3 2025; net charge-offs were $4.3 million, fully covered by previously established specific reserves.
  • Quarterly cash dividend of $0.10 per share is payable November 6, 2026, to shareholders registered by October 16, 2026.

The filing

CompanyPathfinder Bancorp, Inc. (PBHC)
Form8-K, current report
Filed with the SECNov 2, 2026, 8:30 AM ET
Accession number0001193125-26-442749

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 9, 2026, 8:38 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on November 02, 2026.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.