Exploring Pathfinder Bancorp, Inc. (PBHC) Investor Profile: Who’s Buying and Why?

Are you keeping an eye on Pathfinder Bancorp, Inc. (PBHC) and wondering who's investing in it? As of today, April 22, 2025, several institutional players and insiders hold significant positions in PBHC. Institutional investors hold a total of 1,112,098 shares. Want to delve deeper into the ownership structure and understand why these investors are making moves? Keep reading to uncover the details!

Pathfinder Bancorp, Inc. (PBHC) Who Invests in Pathfinder Bancorp, Inc. (PBHC) and Why?

Understanding the investor profile of Pathfinder Bancorp, Inc. (PBHC) involves examining the diverse range of individuals and institutions that hold its stock, and their motivations for investing. These investors are typically drawn to the company's financial performance, growth prospects, and market position.

Key investor types in Pathfinder Bancorp, Inc. (PBHC) include:

• Retail Investors: These are individual investors who buy and sell shares for their own accounts. They may be attracted to Pathfinder Bancorp, Inc. (PBHC) due to its local presence and community banking model.
• Institutional Investors: These include mutual funds, pension funds, insurance companies, and hedge funds. Institutional investors often hold significant stakes in Pathfinder Bancorp, Inc. (PBHC), influencing the stock's price and stability.
• Hedge Funds: Some hedge funds may invest in Pathfinder Bancorp, Inc. (PBHC) seeking short-term gains through active trading strategies.

Investment motivations for investing in Pathfinder Bancorp, Inc. (PBHC) include:

• Growth Prospects: Investors may be optimistic about Pathfinder Bancorp, Inc. (PBHC)'s ability to expand its operations, increase its loan portfolio, and generate higher profits.
• Dividends: Some investors may be drawn to Pathfinder Bancorp, Inc. (PBHC) because of its history of paying dividends, seeking a steady stream of income.
• Market Position: Pathfinder Bancorp, Inc. (PBHC)'s established presence in its local markets and its reputation for customer service may make it an attractive investment.

Typical investment strategies seen among investors in Pathfinder Bancorp, Inc. (PBHC) include:

• Long-Term Holding: Many investors adopt a long-term holding strategy, believing in the company's sustainable growth and value over time.
• Short-Term Trading: Some investors, particularly hedge funds, may engage in short-term trading strategies to capitalize on price fluctuations.
• Value Investing: Value investors may see Pathfinder Bancorp, Inc. (PBHC) as undervalued by the market and invest with the expectation that its true worth will eventually be recognized.

The Mission Statement, Vision, & Core Values of Pathfinder Bancorp, Inc. (PBHC). are also important factors that shape investor perception and confidence.

While specific data on the exact composition of Pathfinder Bancorp, Inc. (PBHC)'s investor base and their individual strategies can fluctuate, understanding these general categories and motivations provides valuable insight into who is investing in the company and why.

Pathfinder Bancorp, Inc. (PBHC) Institutional Ownership and Major Shareholders of Pathfinder Bancorp, Inc. (PBHC)

Understanding the institutional ownership of Pathfinder Bancorp, Inc. (PBHC) can provide valuable insights into the company's stock price and overall strategy. Institutional investors, such as mutual funds, hedge funds, and pension funds, often hold significant stakes in publicly traded companies, and their investment decisions can have a notable impact on market sentiment. Examining the top institutional investors, changes in ownership, and the overall role these investors play is crucial for a comprehensive investor profile.

As of the available data, the top institutional investors in Pathfinder Bancorp, Inc. (PBHC) and their respective shareholdings include:

• BlackRock Fund Advisors: Holding a significant number of shares, BlackRock is a major player.
• Vanguard Group Inc: Known for its index funds and ETFs, Vanguard holds a substantial position in PBHC.
• Dimensional Fund Advisors LP: This firm often takes a quantitative approach to investing.
• Renaissance Technologies LLC: A hedge fund employing quantitative trading strategies.

These institutional investors collectively hold a noteworthy percentage of Pathfinder Bancorp, Inc. (PBHC)'s outstanding shares. The exact percentages may vary due to continuous trading activities, but their positions reflect confidence (or lack thereof) in the company’s prospects.

Changes in institutional ownership can signal shifts in sentiment towards Pathfinder Bancorp, Inc. (PBHC). Increases in institutional holdings suggest growing confidence, potentially driving up the stock price. Conversely, decreases may indicate concerns about the company’s future performance, leading to selling pressure.

Recent data indicates the following activities:

• Some institutions may have increased their positions, viewing Pathfinder Bancorp, Inc. (PBHC) as undervalued or poised for growth.
• Others might have reduced their stakes, possibly due to portfolio rebalancing or a change in their investment thesis.

Monitoring these changes over time provides valuable context for understanding market dynamics related to Pathfinder Bancorp, Inc. (PBHC).

Institutional investors play a crucial role in Pathfinder Bancorp, Inc. (PBHC)’s stock price and strategy. Their actions can influence trading volumes and price volatility. Moreover, company management often pays close attention to the views and actions of these major shareholders.

The impact includes:

• Price Stability: Large institutional holdings can provide a degree of stability to the stock price, reducing erratic movements.
• Strategic Influence: Institutional investors may engage with company management on strategic decisions, influencing the direction of the company.
• Market Confidence: High institutional ownership can boost market confidence, attracting additional investors.

A closer look into Pathfinder Bancorp, Inc. (PBHC)'s financial health can offer additional insights for investors. Check out this analysis: Breaking Down Pathfinder Bancorp, Inc. (PBHC) Financial Health: Key Insights for Investors

Pathfinder Bancorp, Inc. (PBHC) Key Investors and Their Impact

Understanding the investor profile of Pathfinder Bancorp, Inc. (PBHC) can offer valuable insights into the company's stability, growth potential, and strategic direction. Examining who is investing and their recent activity provides a glimpse into market sentiment and potential future performance. As of early 2025, several institutional and individual investors have notable positions in PBHC.

As of March 18, 2025, 42 institutional owners and shareholders have filed 13D/G or 13F forms with the Securities Exchange Commission (SEC), holding a total of 1,112,098 shares. This represents approximately 23.56% of the company's outstanding shares, excluding those held by insiders.

Here's a look at some of the notable investors in Pathfinder Bancorp, Inc. (PBHC) and their potential influence:

• Alliancebernstein L.P.: One of the largest shareholders, Alliancebernstein L.P., held 288,511 shares as of February 5, 2025, representing approximately 6.10% ownership. Their increased stake from 238,773 shares indicates a bullish outlook on the company.
• Minerva Advisors LLC: Another significant institutional investor, Minerva Advisors LLC, also holds a substantial number of shares.
• Oppenheimer & Close, LLC: This firm maintains a notable position in PBHC, further contributing to the institutional ownership base.
• George P. Joyce: The largest individual shareholder, George P. Joyce, owns 269,318 shares, representing about 4.41% of the company, with shares valued at approximately $4.48 million.

Institutional investors can exert influence through several avenues:

• Voting Rights: Large institutional holders possess significant voting power, enabling them to influence corporate governance decisions, such as electing board members and approving major transactions.
• Market Sentiment: Their investment decisions can impact market sentiment. For instance, a large purchase can drive up the stock price, while a significant sell-off can depress it.
• Activism: Some institutional investors may engage in shareholder activism, pushing for changes in company strategy or management to enhance shareholder value.

Recent moves by key investors provide insights into current sentiment:

• Alliancebernstein L.P.: Increased its holdings by 20.83%, acquiring 288,511 shares.
• Pathfinder Bank Employee Stock Ownership Plan Trust: Filed a 13G form on February 14, 2025.

Below is a summary of key shareholders based on available data:

The company announced financial results for the fourth quarter and full year 2024 on January 31, 2025. Net income attributable to common shareholders was $4.3 million, or $0.69 per share, for the fourth quarter of 2024, including a benefit of approximately $1.4 million from a gain on the sale of its insurance agency, net of taxes and transaction-related expenses. For the full year 2024, the Company earned net income of $3.8 million, or $0.60 per share.

Additionally, on December 23, 2024, Pathfinder's Board of Directors declared a cash dividend of $0.10 per share for holders of both voting common and non-voting common stock, payable on February 7, 2025, to shareholders registered by January 17, 2025. The closing stock price as of December 31, 2024, was $17.50 per share.

For further insights into Pathfinder Bancorp, Inc.’s mission, vision, and core values, you can explore: Mission Statement, Vision, & Core Values of Pathfinder Bancorp, Inc. (PBHC).

Pathfinder Bancorp, Inc. (PBHC) Market Impact and Investor Sentiment

Understanding investor sentiment and market reactions is crucial for evaluating Pathfinder Bancorp, Inc. (PBHC). Analyzing these aspects provides insights into the stock's potential future performance and how major shareholders influence the company.

Recent market reactions to changes in ownership or large investor moves can significantly impact Pathfinder Bancorp, Inc. (PBHC). Monitoring these reactions helps to gauge the overall health and stability of the stock. For instance, a significant increase in institutional ownership might drive the stock price up, while a mass sell-off could lead to a price decline. Staying informed about these market dynamics is essential for making well-timed investment decisions.

Here are some factors influencing investor sentiment:

• Company Performance: Positive earnings reports and consistent growth typically boost investor confidence.
• Market Conditions: Overall economic trends and industry-specific factors can sway investor sentiment.
• News and Events: Major announcements, such as mergers, acquisitions, or regulatory changes, can trigger immediate reactions.

Analyst perspectives play a vital role in understanding the potential impact of key investors on Pathfinder Bancorp, Inc. (PBHC)'s future. These experts often provide in-depth analysis and predictions that can help investors make informed decisions. For example, analysts might assess how a major investor's strategy aligns with the company's long-term goals or evaluate the potential risks and opportunities associated with significant ownership changes.

Tracking major shareholders' sentiment involves monitoring their actions and public statements. An increase in share purchases by institutional investors often signals a positive outlook, while a decrease may indicate concerns about the company's prospects. Keeping an eye on these trends can provide valuable insights into the overall investor confidence in Pathfinder Bancorp, Inc. (PBHC).

Below is an example of how different investor activities can impact the stock market:

Understanding these dynamics is essential for anyone looking to invest in or analyze Pathfinder Bancorp, Inc. (PBHC). For further insights into the company's financial standing, consider reading Breaking Down Pathfinder Bancorp, Inc. (PBHC) Financial Health: Key Insights for Investors.