Pathfinder Bancorp (PBHC)

Cash burn rate (est.)	Burn method: Change in cash		Burn method: Operating income		Burn method: FCF (opex + capex)
	Last Q	Avg 4Q	Last Q	Avg 4Q	Last Q	Avg 4Q
Cash on hand (at last report)	35.32 mm	35.32 mm	35.32 mm	35.32 mm	35.32 mm	35.32 mm
Cash burn (monthly)	(no burn)	(no burn)	1.93 mm	(no burn)	(no burn)	(no burn)
Cash used (since last report)	n/a	n/a	8.36 mm	n/a	n/a	n/a
Cash remaining	n/a	n/a	26.97 mm	n/a	n/a	n/a
Runway (months of cash)	n/a	n/a	14.0	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q3 2024

PBHC institutional ownership history Ownership history

18.4% owned by funds/institutions

13F holders	Current	Prev Q	Change
Total holders	14	21	-33.3%
Opened positions	3	3	–
Closed positions	10	1	+900.0%
Increased positions	2	7	-71.4%
Reduced positions	2	2	–

13F shares	Current	Prev Q	Change
Total value	10.30 bn	11.40 bn	-9.7%
Total shares	1.12 mm	1.41 mm	-20.8%
Total puts	0.00	0.00
Total calls	0.00	0.00
Total put/call ratio	–	–	–

Largest owners	Shares	Value	Change
Castle Creek Capital Partners VII	468.49 k	$0.00	0.0%
Minerva Advisors	262.20 k	$4.11 bn	0.0%
Oppenheimer & Close	91.92 k	$1.46 bn	0.0%
Fourthstone	79.72 k	$1.26 bn	+69.2%
CWM Advisors	50.52 k	$806.87 mm	NEW
Hamilton Point Investment Advisors	38.43 k	$608.33 mm	0.0%
Vanguard	37.68 k	$601.77 mm	0.0%
Geode Capital Management	23.21 k	$370.81 mm	-3.2%
Dimensional Fund Advisors	18.61 k	$297.17 mm	+0.0%
Advisor	16.29 k	$257.90 mm	0.0%

Largest transactions	Shares	Bought/sold	Change
Alliancebernstein	0.00	-260.58 k	EXIT
M3F	0.00	-77.27 k	EXIT
CWM Advisors	50.52 k	+50.52 k	NEW
Fourthstone	79.72 k	+32.60 k	+69.2%
Monograph Wealth Advisors	0.00	-29.70 k	EXIT
BLK BlackRock	0.00	-8.30 k	EXIT
BlackRock	8.27 k	+8.27 k	NEW
RY Royal Bank of Canada	0.00	-5.94 k	EXIT
Tower Research Capital	0.00	-1.08 k	EXIT
Geode Capital Management	23.21 k	-763.00	-3.2%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Recent insider trades

PBHC insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	#Shares	#Remaining
31 Jan 25	William D O'Brien	Common Stock	Grant	Acquire A	No	No	11,000	17,218
31 Jan 25	Robert G. Jr. Butkowski	Common Stock	Grant	Acquire A	No	No	14,000	16,800
31 Jan 25	Ronald G. Tascarella	Common Stock	Grant	Acquire A	No	No	14,000	16,527
31 Jan 25	James A. Dowd	Common Stock	Grant	Acquire A	No	No	35,000	55,704

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

News

From Benzinga Pro

Pathfinder Bancorp Q4 EPS $0.69 Up From $0.41 YoY

31 Jan 25

Pathfinder Bancorp (NASDAQ:PBHC) reported quarterly earnings of $0.69 per share. This is a 68.29 percent increase over earnings of $0.41 per share from the same period last year.

Press releases

From Benzinga Pro

Pathfinder Bancorp, Inc. Announces Financial Results for Fourth Quarter and Full Year 2024

31 Jan 25

Fourth quarter results include EPS of $0.69, deposit growth, commercial loan growth, a gain on the sale of its insurance agency, and strong contributions from new and established Pathfinder Bank teams across Central

Pathfinder Bancorp, Inc. Declares Dividend

23 Dec 24

OSWEGO, N.Y., Dec. 23, 2024 (GLOBE NEWSWIRE) -- James A. Dowd, President and CEO of Pathfinder Bancorp, Inc., the bank holding company of Pathfinder Bank (NASDAQ:PBHC) (listing: PathBcp), has announced that the Company