Subscribe

Pathfinder Bancorp, Inc. (PBHC)

USD16.24 -0.28 (-1.69%)
US NASDAQ Financial Services Banks - Regional
Address 214 West First Street 13126
Oswego, NY, US
CEO James A. Dowd
IPO 1995-11-16
CIK 1609065 ISIN US70319R1095

Explore sections of this company profile

Description

Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring commercial and residential real estate loans, construction financing, and specific offerings like tax-exempt and municipal loans. Consumer lending is also robust, encompassing auto and recreational vehicle loans, unsecured personal loans, unsecured lines of credit, and loans secured by deposit accounts. Furthermore, Pathfinder Bancorp extends its operations into the insurance brokerage domain, dealing with property, casualty, and life policies. It caters to a diverse clientele, including individuals, families, small to mid-sized businesses, and local government entities. By February 3, 2022, the company maintained a network of ten full-service branches throughout Oswego and Onondaga Counties, alongside a single limited-purpose office situated in Oneida County. Founded in 1859, Pathfinder Bancorp, Inc. is headquartered in Oswego, New York.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
USD16.24 -0.28 (-1.69%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
7.8K
Beta
0.16
Float Shares
3.14M
Free Float %
51.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.69% -3.64% -1.68% -1.32% -8.97% -4.39% -10.07% +6.56% -3.30% +13.46% +270.60%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
16.24
DCF (Unlevered) 109.26 +572.8%
DCF (Levered) 1.41 -91.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.16
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
2 / 5
Medium
P/E Score
1 / 5
Low
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    -5.2% Q1'26: -8.8% (vs Q1'25)
  • EPS growth
    -228.6% Q1'26: -7.3% (vs Q1'25)
  • FCF margin
    Q1'26: +6.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +15.6% (vs Q1'25)
  • ROIC
    Q1'26: +5.2% (vs Q1'25)
  • Share dilution
    +4.2% Q1'26: +31.9% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 6.38× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.19) × ERP
WACC = 44% × Ke + 56% × Kd (30.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 108.71 Current price: 16.24
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-05-08 C 2/5 2/5 1/5 1/5 2/5 1/5 4/5
2026-05-07 C 2/5 2/5 1/5 1/5 2/5 1/5 4/5
2026-05-06 C 2/5 2/5 1/5 1/5 2/5 1/5 4/5
2026-05-05 C 2/5 2/5 1/5 1/5 2/5 1/5 4/5
2026-05-04 C 2/5 2/5 1/5 1/5 2/5 1/5 4/5
2026-05-01 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-30 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-04-29 C 2/5 3/5 1/5 1/5 3/5 1/5 1/5
2026-04-28 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-27 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-24 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-23 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-22 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-21 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-20 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-17 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5
2026-04-16 C+ 2/5 3/5 1/5 1/5 2/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
8.26M
OE per share TTM
1.70
Owner's Yield
10.21%
Maintenance CapEx ratio
Maint CapEx / Avg PPE
44.4%

Ownership Overview

Ownership breakdown
At a glance
Institutional holders
21
Total invested
16.37M
Insider transactions (90d)
0
Beneficial owners (>5%)
6
Beneficial owners (>5%)
# Reporting person Amount owned % of class Sole voting Shared voting Sole dispositive Shared dispositive Type Citizenship Filing date SEC filing
1 Employee Stock Ownership Plan Trust 436.8K 10.31% 194.6K 242.3K 422.5K EP New York 2017-02-14
2 Minerva Advisors LLCMinerva Group, LPMinerva GP, LP Minerva GP, Inc. David P. Cohe 251.7K 4.50% 204.3K 47.5K 204.3K 47.5K IA, CO, PN, IN 2022-02-14
3 13-4064930 238.8K 5.10% 238.8K 238.8K IA Delaware 2024-02-14
4 Maltese Capital Holdings, LLC 208.1K 4.92% 208.1K 208.1K 208.1K 208.1K OO New York 2017-02-07
5 Maltese Capital Management LLC 0.00% IA, OO New York 2020-02-13
6 Terry Maltese 0.00% HC, IN USA 2020-02-13

Institutional Activity (13F)

Institutional ownership trend From To
13F snapshot — 2025 Q4
Investors holding
21
-2 vs prev Q
New positions
0
Closed positions
2
Increased
6
Reduced
6
Put/Call ratio
0.00
Calls held
Puts held
Top institutional holders
# Investor Shares / Δ Mkt value / Δ Own% / Δ Weight% / Δ Avg px / Perf. Hold / Status
1 ALLIANCEBERNSTEIN L.P. 474.1K +28.1K (+6.3%) 6.69M -301.9K (-4.3%) 7.53% -1.838 pp 0.00% 0.000 pp USD15.72 -10.2% 18 qtrs
2 MINERVA ADVISORS LLC 262.2K +— (+0.0%) 3.70M -410.3K (-10.0%) 4.17% -1.343 pp 2.47% -0.139 pp USD11.76 +20.0% 45 qtrs
3 VANGUARD GROUP INC 135.2K +95.3K (+238.3%) 1.91M +1.3M (+209.1%) 2.15% +1.309 pp 0.00% +0.000 pp USD14.49 -2.6% 41 qtrs
4 OPPENHEIMER & CLOSE, LLC 91.9K +— (+0.0%) 1.30M -143.8K (-10.0%) 1.46% -0.471 pp 0.88% -0.089 pp USD10.13 +39.3% 45 qtrs
5 HAMILTON POINT INVESTMENT ADVISORS, LLC 38.4K +— (+0.0%) 542.2K -60.1K (-10.0%) 0.61% -0.197 pp 0.08% -0.012 pp USD13.33 +5.9% 45 qtrs
6 GEODE CAPITAL MANAGEMENT, LLC 25.9K +745.0 (+3.0%) 366.2K -23.0K (-5.9%) 0.41% -0.117 pp 0.00% +0.000 pp USD17.76 -20.6% 14 qtrs
7 SUSQUEHANNA INTERNATIONAL GROUP, LLP 23.7K -1.5K (-6.1%) 334.6K -55.2K (-14.2%) 0.38% -0.154 pp 0.00% +0.000 pp USD15.98 -11.7% 6 qtrs
8 DIMENSIONAL FUND ADVISORS LP 22.4K +66.0 (+0.3%) 315.7K -28.7K (-8.3%) 0.36% -0.113 pp 0.00% +0.000 pp USD15.80 -10.7% 29 qtrs
9 ADVISOR GROUP HOLDINGS, INC. 17.9K -2.5K (-12.2%) 252.9K -54.0K (-17.6%) 0.28% -0.144 pp 0.00% 0.000 pp USD14.75 -4.3% 24 qtrs
10 NORTHERN TRUST CORP 16.5K +3.6K (+27.5%) 232.2K +29.9K (+14.8%) 0.26% -0.010 pp 0.00% +0.000 pp USD16.62 -15.1% 5 qtrs
11 CALDWELL SUTTER CAPITAL, INC. 14.8K +— (+0.0%) 208.4K -22.7K (-9.8%) 0.23% -0.076 pp 0.09% -0.010 pp USD19.14 -26.3% 13 qtrs
12 MONOGRAPH WEALTH ADVISORS, LLC 11.3K -11.0K (-49.3%) 159.4K -184.8K (-53.7%) 0.18% -0.289 pp 0.02% -0.019 pp USD17.15 -17.7% 17 qtrs
13 BRIDGEWAY CAPITAL MANAGEMENT, LLC 10.2K +— (+0.0%) 143.9K -13.6K (-8.6%) 0.16% -0.052 pp 0.00% 0.000 pp USD13.80 +2.2% 10 qtrs
14 BLACKROCK, INC. 8.6K +336.0 (+4.1%) 120.8K -8.1K (-6.3%) 0.14% -0.037 pp 0.00% +0.000 pp USD15.74 -10.4% 6 qtrs
15 ROYAL BANK OF CANADA 5.9K -117.0 (-2.0%) 83.0K -11.0K (-11.7%) 0.09% -0.033 pp 0.00% +0.000 pp USD13.25 +6.5% 11 qtrs
16 MORGAN STANLEY 495.00 +— (+0.0%) 7.0K -766.0 (-9.9%) 0.01% -0.003 pp 0.00% +0.000 pp USD14.11 +0.0% 39 qtrs
17 TOWER RESEARCH CAPITAL LLC (TRC) 230.00 -102.0 (-30.7%) 3.2K -2.0K (-37.6%) 0.00% -0.003 pp 0.00% 0.000 pp USD15.57 -9.4% 13 qtrs
18 CWM, LLC 173.00 +— (+0.0%) 2.0K -1.0K (-33.3%) 0.00% -0.001 pp 0.00% +0.000 pp USD17.50 -19.4% 5 qtrs
19 UBS GROUP AG 4.00 -486.0 (-99.2%) 56.00 -7.6K (-99.3%) 0.00% -0.010 pp 0.00% +0.000 pp USD15.50 -9.0% 8 qtrs
20 BANK OF AMERICA CORP /DE/ 2.00 +— (+0.0%) 28.00 -3.0 (-9.7%) 0.00% +0.000 pp 0.00% +0.000 pp USD13.50 +4.5% 7 qtrs
21 WELLS FARGO & COMPANY/MN 1.00 +— (+0.0%) 11.00 +2.0 (+22.2%) 0.00% +0.000 pp 0.00% +0.000 pp USD15.00 -5.9% 13 qtrs
22 CITIGROUP INC -1.0 (-100.0%) -15.0 (-100.0%) 0.00% +0.000 pp 0.00% +0.000 pp USD 2 qtrs SOLD
23 FOURTHSTONE LLC -87.2K (-100.0%) -1.4M (-100.0%) 0.00% -1.833 pp 0.00% -0.245 pp USD 7 qtrs SOLD
Ownership breakdown by holder

ETF Ownership

Top ETFs holding this stock Held by 17 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares Micro-Cap ETF IWC 0.01% 171.0K 0.60%
2 Vanguard Extended Market ETF VXF 0.00% 334.3K 0.05%
3 Dimensional - US Core Equity 1 ETF DCOR 0.00% 11.3K 0.14%
4 Dimensional - US Sustainability Core 1 ETF DFSU 0.00% 3.4K 0.15%
5 Vanguard U.S. Total Market Shares Index ETF VTS.AX 0.00% 2.8K 0.03%
6 Vanguard U.S. Total Market Index ETF (CAD-hedged) VUS.TO 0.00% 572.46 0.17%
7 Vanguard U.S. Total Market Index ETF VUN.TO 0.00% 7.8K 0.17%
8 Vanguard Total Stock Market ETF VTI 0.00% 1.32M 0.03%
9 Dimensional - US Core Equity 2 ETF DFAC 0.00% 24.8K 0.17%
10 Vanguard All-Equity ETF Portfolio VEQT.TO 0.00% 2.9K 0.22%

Insider Activity

Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
0
Sells
0
Shares acquired
Shares disposed
Cash buys
Cash sales
Net activity
+0
Insider buys vs sells (history) From To
Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2026-04-08 Tascarella Ronald G. 0 0.00 0
2026-04-08 Serbun Joseph F 0 0.00 0
2026-04-08 O'Brien William D 0 0.00 0
2026-04-08 McManus Joseph Paul 0 0.00 0
2026-04-08 Dowd James A. 0 0.00 0
2026-04-08 Butkowski Robert G. Jr. 0 0.00 0
2026-04-08 Bigham Justin K. 0 0.00 0
2026-04-08 Bass Regina E 0 0.00 0
2026-03-31 Polniak Joseph Officer A-Award A Common Stock 8,000 0.00 8,000 D
2026-03-13 Gagas Adam C. Director M-Exempt A Common Stock 8,787 11.35 99.7K 35,588 D
2026-03-13 Dowd James A. Officer M-Exempt A Common Stock 6,000 11.35 68.1K 68,704 D
2026-03-12 Ayoub David A. Director M-Exempt D Stock Options 8,787 11.35 99.7K 0 D
2026-03-05 O'Brien William D Officer M-Exempt A Common Stock 3,647 10.81 39.4K 23,512 D
2026-03-03 Gagas Adam C. Director G-Gift D Common Stock 1,000 0.00 148,664 I
2026-02-27 Tascarella Ronald G. Officer M-Exempt A Common Stock 2,109 11.35 23.9K 18,636 D
2026-02-13 Gagas Adam C. Director P-Purchase A Common Stock 1,950 13.75 26.8K 17,756 I
2026-02-12 Gagas Adam C. Director P-Purchase A Common Stock 6 13.50 81.00 15,806 I
2026-02-04 O'Brien William D Officer M-Exempt A Common Stock 5,000 10.81 54.1K 19,865 D
2026-02-04 Ayoub David A. Director P-Purchase A Common Stock 425 12.83 5.5K 19,188 I
2026-02-03 Butkowski Robert G. Jr. Officer M-Exempt A Common Stock 2,636 11.35 29.9K 19,436 D
2025-12-31 Polniak Joseph 0 0.00 0
2025-12-10 Dowd James A. Officer M-Exempt A Common Stock 4,000 11.35 45.4K 62,704 D
2025-11-20 Barclay William A Director M-Exempt A Common Stock 4,500 11.35 51.1K 28,774 D
2025-09-12 Dowd James A. Officer M-Exempt A Common Stock 3,000 11.35 34.1K 58,704 D
2025-08-28 Gagas Adam C. Director M-Exempt A Common Stock 3,116 11.09 34.6K 26,801 D
2025-05-12 Gagas Adam C. Director M-Exempt A Common Stock 2,620 11.09 29.1K 23,685 D
2025-05-06 BURRITT CHRIS R 0 0.00 0
2025-05-05 Ayoub David A. Director P-Purchase A Common Stock 1,000 14.95 14.9K 18,763 I
2025-04-23 Tascarella Ronald G. 0 0.00 0
2025-04-23 O'Brien William D 0 0.00 0
2025-04-23 McManus Joseph Paul 0 0.00 0
2025-04-23 Dowd James A. 0 0.00 0
2025-04-23 Butkowski Robert G. Jr. 0 0.00 0
2025-04-23 Bass Regina E 0 0.00 0
2025-03-03 TASCARELLA RONALD 0 0.00 0
2025-02-28 TASCARELLA RONALD Officer S-Sale D Common Stock 2 17.10 34.20 47,337 D
2025-02-27 TASCARELLA RONALD Officer S-Sale D Common Stock 42 17.10 718.20 47,339 D
2025-02-26 TASCARELLA RONALD Officer S-Sale D Common Stock 1,221 17.10 20.9K 47,388 D
2025-02-25 TASCARELLA RONALD Officer S-Sale D Common Stock 62 17.10 1.1K 48,547 D
2025-02-20 TASCARELLA RONALD Officer S-Sale D Common Stock 5,000 17.00 85.0K 48,609 D
2025-02-12 O'Brien William D Officer S-Sale D Common Stock 2,353 17.14 40.3K 14,865 D
2025-01-31 Tascarella Ronald G. Officer A-Award A Common Stock 14,000 0.00 16,527 D
2025-01-31 Serbun Joseph F Officer A-Award A Common Stock 16,000 0.00 16,000 D
2025-01-31 Phillips Daniel R 0 0.00 0
2025-01-31 O'Brien William D Officer A-Award A Common Stock 11,000 0.00 17,218 D
2025-01-31 McManus Joseph Paul Officer A-Award A Common Stock 11,000 0.00 11,000 D
2025-01-31 Dowd James A. Officer A-Award A Common Stock 35,000 0.00 55,704 D
2025-01-31 Butkowski Robert G. Jr. Officer A-Award A Common Stock 14,000 0.00 16,800 D
2025-01-31 Bigham Justin K. Officer A-Award A Common Stock 24,000 0.00 24,000 D
2024-12-05 Allyn Eric 0 0.00 0
2024-12-03 Allyn Eric Director S-Sale D Common Stock 1,014 17.28 17.5K 14,293 I
2024-11-22 Barclay William A Director M-Exempt A Common Stock 2,525 11.35 28.7K 24,274 D
2024-11-20 Phillips Daniel R Officer M-Exempt D Stock Options 13,266 11.35 150.6K 0 D
2024-11-04 Phillips Daniel R Officer M-Exempt A Common Stock 2,550 11.35 28.9K 25,004 D
2024-11-01 McManus Joseph Paul Officer Common Stock 0 0.00 4,706 I
2024-09-26 Serbun Joseph F Officer Common Stock 0 0.00 0 D
2024-09-16 Phillips Daniel R Officer S-Sale A Common Stock 100 15.94 1.6K 15,217
2024-08-16 Phillips Daniel R Officer S-Sale D Common Stock 1,055 15.42 16.3K 20,217
2024-07-01 Bigham Justin K. 0 0.00 0
2024-05-07 Ayoub David A. Director P-Purchase A Common Stock 260 12.40 3.2K 12,011
2024-03-19 Tascarella Ronald G. Officer 0 0.00 0
2024-03-19 TASCARELLA RONALD Officer 0 0.00 0
2024-03-19 Rusnak Walter Officer 0 0.00 0
2024-03-19 Phillips Daniel R Officer 0 0.00 0
2024-03-19 O'Brien William D Officer 0 0.00 0
2024-03-19 Dowd James A. Officer 0 0.00 0
2024-03-19 Butkowski Robert G. Jr. Officer 0 0.00 0
2024-03-19 Bass Regina E Officer 0 0.00 0
2024-03-13 Dowd James A. Officer P-Purchase A Common Stock 425 12.55 5.3K 18,052
2024-03-12 Dowd James A. Officer P-Purchase A Common Stock 200 12.02 2.4K 17,627
2024-03-11 Rusnak Walter Officer P-Purchase A Common Stock 1,500 11.89 17.8K 36,000
2024-03-11 Crawford-Hamlin Meghan Director P-Purchase A Common Stock 1,000 11.50 11.5K 1,000
2024-03-07 Rusnak Walter Officer P-Purchase A Common Stock 1,500 11.85 17.8K 34,500
2024-03-07 Butkowski Robert G. Jr. Officer P-Purchase A Common Stock 3,500 11.95 41.8K 14,291
2024-01-17 Bass Regina E Officer 0 0.00 0
2023-12-31 JOYCE GEORGE P Director 0 0.00 0
2023-12-31 Corriders Calvin Officer 0 0.00 0
2023-12-14 Rusnak Walter Officer P-Purchase A Common Stock 1,000 13.00 13.0K 33,000
2023-12-06 JOYCE GEORGE P Director P-Purchase A Common Stock 100 13.00 1.3K 13,731
2023-12-05 JOYCE GEORGE P Director P-Purchase A Common Stock 100 12.92 1.3K 13,631
2023-09-14 Phillips Daniel R Officer M-Exempt A Common Stock 5,000 10.81 54.1K 21,272
2023-09-12 Rusnak Walter Officer P-Purchase A Common Stock 733 10.37 7.6K 39,199
2023-08-22 Rusnak Walter Officer P-Purchase A Common Stock 1,000 12.94 12.9K 32,000
2023-08-15 Corriders Calvin Officer S-Sale D Common Stock 10,000 13.96 139.6K 15,973
2023-08-14 Corriders Calvin Officer S-Sale D Common Stock 1,334 14.31 19.1K 666
2023-08-08 Corriders Calvin Officer M-Exempt A Common Stock 1,000 10.37 10.4K 27,639
2023-06-30 Scavuzzo Tony Director D Common Stock 0 0.00 0
2023-05-30 JOYCE GEORGE P Director P-Purchase A Common Stock 10 13.48 134.80 24,689
2023-05-26 JOYCE GEORGE P Director P-Purchase A Common Stock 10 13.30 133.00 13,531
2023-05-24 JOYCE GEORGE P Director P-Purchase A Common Stock 750 12.88 9.7K 13,521
2023-05-15 JOYCE GEORGE P Director P-Purchase A Common Stock 250 12.72 3.2K 24,679
2023-05-12 JOYCE GEORGE P Director P-Purchase A Common Stock 500 12.94 6.5K 24,429
2023-05-11 Rusnak Walter Officer M-Exempt D Stock Options 5,000 10.37 51.9K 33,075
2023-05-08 JOYCE GEORGE P Director P-Purchase A Common Stock 1,127 13.03 14.7K 23,929
2023-05-08 Gagas Adam C. Director M-Exempt A Common Stock 2,500 11.09 27.7K 21,065
2023-05-08 Barclay William A Director M-Exempt A Common Stock 1,762 11.35 20.0K 21,749
2023-05-05 Ayoub David A. Director M-Exempt A Common Stock 8,236 8.43 69.4K 11,751
2023-05-04 Rusnak Walter Officer P-Purchase A Common Stock 2,000 12.73 25.5K 31,000
2023-05-04 JOYCE GEORGE P Director P-Purchase A Common Stock 50 13.00 650.00 12,771
2023-05-04 Funiciello John Director M-Exempt A Common Stock 8,787 11.35 99.7K 40,537
2023-05-04 Dowd James A. Officer P-Purchase A Common Stock 820 12.97 10.6K 17,427
2023-05-04 BURRITT CHRIS R Director M-Exempt D Stock Options 8,787 11.35 99.7K 0
2023-03-23 Tascarella Ronald G. Officer 0 0.00 0
2023-03-23 Phillips Daniel R Officer 0 0.00 0
2023-03-22 Rusnak Walter Officer 0 0.00 0
2023-03-22 O'Brien William D Officer 0 0.00 0
2023-03-22 Dowd James A. Officer 0 0.00 0
2023-03-22 Corriders Calvin Officer 0 0.00 0
2023-03-22 Butkowski Robert G. Jr. Officer 0 0.00 0
2022-12-19 Rusnak Walter Officer P-Purchase A Common Stock 1,000 18.40 18.4K 29,000
2022-12-02 Rusnak Walter Officer P-Purchase A Common Stock 1,000 18.48 18.5K 28,000
2022-11-30 Phillips Daniel R Officer M-Exempt A Common Stock 4,000 10.81 43.2K 16,272
2022-09-07 SCHNEIDER THOMAS W Officer 0 0.00 0
2022-09-07 Rusnak Walter Officer M-Exempt D Stock Options 1,593 10.37 16.5K 38,075
2022-08-11 Rusnak Walter Officer P-Purchase A Common Stock 1,000 19.36 19.4K 27,000
2022-06-15 Rusnak Walter Officer P-Purchase A Common Stock 1,000 19.00 19.0K 26,000
2022-06-07 Phillips Daniel R Officer M-Exempt D Stock Options 4,000 10.81 43.2K 16,237
2022-06-02 Phillips Daniel R Officer S-Sale D Common Stock 2,109 19.26 40.6K 8,272
2022-05-20 JOYCE GEORGE P Director M-Exempt A Common Stock 6,287 11.35 71.4K 22,802
2022-05-13 Crawford-Hamlin Meghan Director D Common Stock 0 0.00 0
2022-05-13 Allyn Eric Director I Common Stock 0 0.00 50,394
2022-03-17 Gagas Adam C. Director P-Purchase A Common Stock 1,500 17.75 26.6K 20,065
2022-03-10 Tascarella Ronald G. Officer 0 0.00 0
2022-03-10 SCHNEIDER THOMAS W Officer 0 0.00 0
2022-03-10 Rusnak Walter Officer 0 0.00 0
2022-03-10 Phillips Daniel R Officer 0 0.00 0
2022-03-10 O'Brien William D Officer 0 0.00 0
2022-03-10 Dowd James A. Officer 0 0.00 0
2022-03-10 Corriders Calvin Officer 0 0.00 0
2022-03-10 Butkowski Robert G. Jr. Officer 0 0.00 0
2022-03-08 TASCARELLA RONALD Officer S-Sale D Common Stock 83 17.65 1.5K 58,526
2022-03-02 TASCARELLA RONALD Officer S-Sale D Common Stock 4,988 17.60 87.8K 58,609
2022-02-25 TASCARELLA RONALD Officer S-Sale D Common Stock 12 17.75 213.00 63,597
2022-02-24 TASCARELLA RONALD Officer S-Sale D Common Stock 1,000 17.50 17.5K 63,609
2021-12-22 Rusnak Walter Officer 0 0.00 0
2021-12-22 Phillips Daniel R Officer 0 0.00 0
2021-12-20 Braheney Rebecca Officer 0 0.00 0
2021-12-02 Rusnak Walter Officer P-Purchase A Common Stock 1,500 17.00 25.5K 25,000
2021-12-01 SCHNEIDER THOMAS W Officer M-Exempt A Common Stock 100 11.35 1.1K 32,473
2021-11-30 SCHNEIDER THOMAS W Officer M-Exempt D Common Stock 100 17.24 1.7K 32,373
2021-11-30 Rusnak Walter Officer P-Purchase A Common Stock 500 17.23 8.6K 23,500
2021-11-26 SCHNEIDER THOMAS W Officer M-Exempt D Stock Options 13 11.35 147.55 25,373
2021-11-24 Rusnak Walter Officer P-Purchase A Common Stock 1,223 16.98 20.8K 23,000
2021-11-23 SCHNEIDER THOMAS W Officer M-Exempt D Common Stock 4 17.05 68.20 32,373
2021-11-22 SCHNEIDER THOMAS W Officer M-Exempt A Common Stock 571 11.35 6.5K 32,944
2021-11-18 SCHNEIDER THOMAS W Officer M-Exempt A Common Stock 400 11.35 4.5K 32,773
2021-11-16 TASCARELLA RONALD Officer S-Sale D Common Stock 37 17.25 638.25 64,609
2021-11-15 SHARKEY JOHN F. III Director M-Exempt D Stock Options 8,236 11.09 91.3K 0
2021-11-10 Stemple Lloyd Director M-Exempt D Stock Options 1,758 11.35 20.0K 0
2021-11-08 Rusnak Walter Officer P-Purchase A Common Stock 777 16.93 13.2K 21,777
2021-11-08 Phillips Daniel R Officer M-Exempt D Stock Options 2,000 10.81 21.6K 20,337
2021-09-16 Rusnak Walter Officer P-Purchase A Common Stock 1,000 16.50 16.5K 21,000
2021-08-31 Dowd James A. Officer P-Purchase A Common Stock 250 16.54 4.1K 20,704
2021-08-26 Rusnak Walter Officer M-Exempt D Stock Options 2,636 11.35 29.9K 0
2021-08-25 TASCARELLA RONALD Officer D-Return D Common Stock 5,000 16.50 82.5K 64,646
2021-06-29 Braheney Rebecca Officer I Common Stock 0 0.00 453
2021-06-15 Dowd James A. Officer M-Exempt A Common Stock 6,237 5.46 34.1K 20,454
2021-05-26 Rusnak Walter Officer P-Purchase A Common Stock 1,000 14.70 14.7K 21,000
2021-04-29 Butkowski Robert G. Jr. Officer 0 0.00 0
2021-03-15 Kimball Lisa A Officer M-Exempt D Stock Options 2,108 11.35 23.9K 528
2021-03-10 Tascarella Ronald G. Officer 0 0.00 0
2021-03-10 TASCARELLA RONALD Officer 0 0.00 0
2021-03-10 SCHNEIDER THOMAS W Officer 0 0.00 0
2021-03-10 Rusnak Walter Officer 0 0.00 0
2021-03-10 Phillips Daniel R Officer 0 0.00 0
2021-03-10 O'Brien William D Officer 0 0.00 0
2021-03-10 Kimball Lisa A Officer 0 0.00 0
2021-03-10 Dowd James A. Officer 0 0.00 0
2021-03-10 Corriders Calvin Officer 0 0.00 0
2021-03-05 Stemple Lloyd Director M-Exempt A Common Stock 7,029 11.35 79.8K 67,312
2021-02-05 Dowd James A. Officer P-Purchase A Common Stock 880 11.79 10.4K 16,607
2020-11-25 JOYCE GEORGE P Director M-Exempt A Common Stock 2,500 11.35 28.4K 16,515
2020-10-28 Tascarella Ronald G. Officer A-Award A Common Stock 1,000 0.00 1,000 D
2020-10-28 Rusnak Walter Officer A-Award A Stock Options 39,668 10.37 411.4K 39,668
2020-10-28 O'Brien William D Officer A-Award A Stock Options 1,500 10.37 15.6K 1,500
2020-10-28 Kimball Lisa A Officer A-Award A Common Stock 1,000 0.00 1,000
2020-10-28 Corriders Calvin Officer A-Award A Stock Options 1,500 10.37 15.6K 1,500
2020-10-28 Butkowski Robert G. Jr. Officer A-Award A Common Stock 1,000 0.00 1,000
2020-09-11 Tascarella Ronald G. Officer A-Award A Stock Options 3,000 9.76 29.3K 3,000 D
2020-08-24 JOYCE GEORGE P Director P-Purchase A Common Stock 833 9.80 8.2K 12,721
2020-08-11 Rusnak Walter Officer P-Purchase A Common Stock 1,000 9.15 9.2K 20,000
2020-08-05 Tascarella Ronald G. Officer P-Purchase A Common Stock 357 9.59 3.4K 15,879 I
2020-06-01 Rusnak Walter Officer P-Purchase A Common Stock 500 10.15 5.1K 19,000
2020-05-28 Rusnak Walter Officer P-Purchase A Common Stock 1,487 10.44 15.5K 18,500
2020-05-26 Rusnak Walter Officer P-Purchase A Common Stock 13 9.80 127.40 17,013
2020-05-12 Tascarella Ronald G. Officer P-Purchase A Common Stock 250 9.99 2.5K 15,522
2020-03-17 JOYCE GEORGE P Director M-Exempt D Stock Options 2,000 5.46 10.9K 0 D
2020-03-11 Rusnak Walter Officer P-Purchase A Common Stock 1,000 13.67 13.7K 17,000
2020-03-10 Tascarella Ronald G. Officer 0 0.00 0
2020-03-10 TASCARELLA RONALD Officer 0 0.00 0
2020-03-10 SCHNEIDER THOMAS W Officer 0 0.00 0
2020-03-10 Rusnak Walter Officer 0 0.00 0
2020-03-10 Phillips Daniel R Officer 0 0.00 0
2020-03-10 O'Brien William D Officer 0 0.00 0
2020-03-10 Kimball Lisa A Officer 0 0.00 0
2020-03-10 JOYCE GEORGE P Director M-Exempt D Stock Options 4,500 5.46 24.6K 2,000
2020-03-10 Dowd James A. Officer 0 0.00 0
2020-03-10 Corriders Calvin Officer 0 0.00 0
2020-03-10 Butkowski Robert G. Jr. Officer 0 0.00 0
2020-03-06 Barclay William A Director M-Exempt A Common Stock 8,236 5.46 45.0K 19,987

Executive team

Top executives
EBIT / Employee
-23.8K
Shares Outstanding
6.16M

Executive compensation

Executive compensation (annual)
# Year Executive Salary Bonus Stock award Option award Incentive Other Total % Stock-
based
Filing
1 2025 James A. Dowd President and Chief Executive Officer 440.0K 104.4K 1.17M 108.4K 1.82M 64.14%
2 2025 Justin K. Bigham Executive Vice President Chief Financial Officer 305.0K 65.9K 800.6K 45.6K 1.22M 65.78%
3 2025 Joseph F. Serbun Senior Vice President Chief Credit Officer 245.0K 51.1K 533.8K 19.8K 849.6K 62.82%
4 2024 James A. Dowd President and Chief Executive Officer 405.0K 90.9K 119.2K 615.1K 0.00%
5 2024 Robert G. Butkowski Senior Vice President Chief Operating Officer 229.0K 43.5K 24.8K 297.3K 0.00%
6 2024 William D. O'Brien Senior Vice President Chief Risk Officer and Corporate Secretary 210.0K 39.9K 25.1K 275.0K 0.00%
7 2023 James A. Dowd President and Chief Executive Officer 375.0K 84.0K 103.0K 562.1K 0.00%
8 2023 Ronald Tascarella Executive Vice President Chief Banking Officer 235.0K 43.2K 73.9K 352.1K 0.00%
9 2023 Walter F. Rusnak Senior Vice President Chief Financial Officer 231.0K 45.1K 35.9K 312.0K 0.00%
10 2022 James A. Dowd President and Chief Executive Officer 259.1K 134.5K 114.2K 507.8K 0.00%
11 2022 Ronald Tascarella Executive Vice President Chief Banking Officer 226.0K 61.3K 71.5K 358.9K 0.00%
12 2022 Thomas W. Schneider Former President and Chief Executive Officer 253.6K 93.2K 346.9K 0.00%
13 2022 Walter F. Rusnak Senior Vice President Chief Financial Officer 205.7K 63.1K 30.8K 299.6K 0.00%
14 2021 Thomas W. Schneider President and Chief Executive Officer 360.4K 130.1K 659.9K 1.15M 0.00%
15 2021 Thomas W. Schneider Former President and Chief Executive Officer 360.4K 130.1K 659.9K 1.15M 0.00%
16 2021 James A. Dowd President and Chief Executive Officer 219.3K 54.5K 98.3K 372.1K 0.00%
17 2021 James A. Dowd Executive Vice President Chief Operating Officer 219.3K 54.5K 98.3K 372.1K 0.00%
18 2021 Ronald Tascarella Executive Vice President Chief Banking Officer 219.3K 53.5K 64.7K 337.5K 0.00%
19 2020 Thomas W. Schneider, President and Chief Executive Officer 360.4K 67.1K 136.7K 564.1K 0.00%
20 2020 Thomas W. Schneider President and Chief Executive Officer 360.4K 67.1K 136.7K 564.1K 0.00%
21 2020 Walter F. Rusnak Senior Vice President Chief Financial Officer 190.0K 32.3K 101.6K 73.1K 24.2K 421.3K 41.48%
22 2020 James A. Dowd Executive Vice President Chief Operating Officer 210.0K 34.0K 93.1K 337.1K 0.00%
23 2020 Ronald Tascarella Executive Vice President Chief Banking Officer 210.0K 35.7K 58.9K 304.6K 0.00%
24 2019 Thomas W. Schneider, President and Chief Executive Officer 360.4K 60.3K 131.1K 551.8K 0.00%
25 2019 James A. Dowd Executive Vice President Chief Operating Officer 210.0K 30.1K 92.1K 332.2K 0.00%
26 2019 James A. Dowd, Executive Vice President Chief Operating Officer 210.0K 30.1K 92.1K 332.2K 0.00%
27 2019 Ronald Tascarella, Executive Vice President Chief Banking Officer 210.0K 28.0K 57.3K 295.3K 0.00%
28 2019 Walter F. Rusnak Senior Vice President Chief Financial Officer 190.0K 29.0K 26.3K 245.3K 0.00%
29 2018 Thomas W. Schneider, President and Chief Executive Officer 360.0K 58.1K 132.8K 550.9K 0.00%
30 2018 James A. Dowd Executive Vice President , Chief Operating Officer and Chief Financial Officer 205.0K 30.0K 93.4K 328.4K 0.00%
31 2018 James A. Dowd, Executive Vice President Chief Operating Officer 205.0K 30.0K 93.4K 328.4K 0.00%
32 2018 Ronald Tascarella, Executive Vice President Chief Banking Officer 205.0K 30.0K 61.6K 296.6K 0.00%
33 2018 Ronald Tascarella Executive Vice President Chief Credit Officer 205.0K 30.0K 61.6K 296.6K 0.00%
34 2017 Thomas W. Schneider, President and Chief Executive Officer 350.0K 64.8K 119.9K 534.7K 0.00%
35 2017 James A. Dowd Executive Vice President Chief Operating Officer and Chief Financial Officer 195.0K 32.9K 70.6K 298.5K 0.00%
36 2017 James A. Dowd Executive Vice President , Chief Operating Officer and Chief Financial Officer 195.0K 32.9K 70.6K 298.5K 0.00%
37 2017 Ronald Tascarella Executive Vice President Chief Credit Officer 195.0K 32.3K 57.4K 284.7K 0.00%
38 2016 Thomas W. Schneider, President and Chief Executive Officer 325.0K 53.0K 179.5K 94.6K 124.3K 776.4K 35.31%
39 2016 James A. Dowd Executive Vice President Chief Operating Officer and Chief Financial Officer 195.0K 22.4K 83.8K 56.8K 66.7K 424.7K 33.10%
40 2016 Ronald Tascarella Executive Vice President Chief Credit Officer 190.0K 22.6K 83.8K 56.8K 56.6K 409.7K 34.31%
41 2015 Thomas W. Schneider, President and Chief Executive Officer 325.0K 49.6K 118.3K 492.8K 0.00%
42 2015 James A. Dowd Senior Vice President Chief Financial Officer 176.2K 23.4K 56.8K 256.4K 0.00%
43 2015 James A. Dowd Executive Vice President Chief Operating Officer and Chief Financial Officer 176.2K 23.4K 56.8K 256.4K 0.00%
44 2015 Edward A. Mervine, Senior Vice President, General Counsel and Secretary 178.0K 22.2K 53.2K 253.4K 0.00%
45 2015 Ronald Tascarella Executive Vice President Chief Credit Officer 160.0K 20.9K 49.8K 230.7K 0.00%
46 2014 Thomas W. Schneider, President and Chief 283.0K 67.6K 99.3K 451.1K 0.00%
47 2014 Thomas W. Schneider, President and Chief Executive Officer 283.0K 67.6K 100.5K 451.1K 0.00%
48 2014 Edward A. Mervine, Senior Vice President, General Counsel and Secretary 172.0K 32.9K 48.1K 253.0K 0.00%
49 2014 Edward A. Mervine, Senior Vice President, 172.0K 32.9K 48.1K 253.0K 0.00%
50 2014 James A. Dowd Senior Vice President and 165.0K 34.0K 45.3K 246.0K 0.00%
51 2014 James A. Dowd Senior Vice President Chief Financial Officer 165.0K 34.0K 47.0K 246.0K 0.00%
52 2013 Thomas W. Schneider, President and Chief 283.0K 42.5K 42.9K 370.2K 0.00%
53 2013 Edward A. Mervine, Senior Vice President, 167.0K 19.6K 14.4K 201.0K 0.00%
54 2013 James A. Dowd Senior Vice President and 160.0K 17.8K 11.3K 191.5K 0.00%
CEO compensation breakdown

Proxy statements

Proxy statements (DEF 14A)
Filing date Form type Filing
2026-04-22 DEF 14A
2025-04-23 DEF 14A

Recent SEC filings

Recent SEC filings
Filing date Form type Filing
2026-05-07 8-K
2026-05-06 4
2026-05-06 4
2026-05-06 4
2026-04-29 8-K
2026-04-22 DEF 14A
2026-04-22 ARS
2026-04-10 4
2026-04-10 4
2026-04-10 4

Executive team

NameTitleCompensationGender
James A. Dowd President, Chief Executive Officer & Director 611.0K male
Ronald A. Tascarella Senior Vice President & Chief Lending Officer 352.1K male
Ronald G. Tascarella Senior Vice President & Chief Lending Officer 352.1K male
Joseph F. Serbun Senior Vice President & Chief Credit Officer 315.9K male
Robert G. Butkowski Jr. Senior Vice President & Chief Operating Officer 297.3K male
William D. O'Brien Senior VP & Chief Risk Officer 275.0K male
Regina E. Bass First Vice President
Joseph J. Polniak First VP, General Counsel & Corporate Secretary male
Joseph McManus Senior Vice President & Chief Information Officer male
Justin K. Bigham Executive VP & CFO male
Heather Bush Vice President of Human Resources male
Roberta Davis Vice President & Financial Analyst female
ESG Rating
B
BANKS - REGIONAL
2025
E (Environmental)
62.2 / 64.3
Company / Sector avg.
S (Social)
82.3 / 76.5
Company / Sector avg.
G (Governance)
75.0 / 75.5
Company / Sector avg.
ESG Total
73.1 / 72.1
Company / Sector avg.
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits