Pathfinder Bancorp, Inc. PBHC US Equity
Pathfinder Bancorp, Inc. (Nasdaq: PBHC), an SEC filer in State Commercial Banks, closed at $16.11, -1.3%, on 2026-08-28, with a market cap of $74M as of 2026-08-27, a return on equity of -1.6%, a net margin of -4.1% and 3-year sales growth of -0.3%. Institutional ownership, earnings history and filed financials are on the tabs below.
Documents
| Period end | Filed | Form | Read here | EDGAR |
|---|---|---|---|---|
| 2025-12-31 | 2026-03-30 | 10-K | read · risk factors · MD&A | index · original · 0001193125-26-132075 |
| 2024-12-31 | 2025-03-31 | 10-K | read · risk factors · MD&A | index · original · 0000950170-25-047820 |
| 2023-12-31 | 2024-03-22 | 10-K | read · risk factors · MD&A | index · original · 0000950170-24-035248 |
| 2022-12-31 | 2023-03-31 | 10-K | read · risk factors · MD&A | index · original · 0000950170-23-011185 |
| 2021-12-31 | 2022-03-25 | 10-K | read · risk factors · MD&A | index · original · 0001564590-22-011817 |
| 2020-12-31 | 2021-03-30 | 10-K | read · risk factors · MD&A | index · original · 0001564590-21-016744 |
▾Risk registerwhich risk-factor headings appeared in which year
Descriptive and within-name: this is what changed in the wording of one firm's own filings.
A register needs two comparable years of risk-factor headings; 0 of the 6 cached 10-Ks for PBHC produced any.
2020-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
2021-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
2022-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
2023-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
2024-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
2025-12-31: Item 1A could not be bounded safely in this filing, so nothing is read from it. The item extractor suppresses a section whose boundaries are doubtful rather than report a mis-bounded one — a wrong section is a wrong reading.
The filer's own 10-K text · 6 filings read
Rows are the filing's own headings, verbatim — nothing is summarized or generated.
A blank cell means the filer did not print that heading that year — not that the risk ended.
Gates: 5+ captions · 50% of Item 1A · match at Jaccard 0.6.
▾Filing languagedocument length, negation and hedging — chart it against price on GRAPH
6 filings measured
Descriptive and within-name: this is what changed in the wording of one firm's own filings.
| Filed | Period end | Document words | Item 1A words | Negation / 10k | Hedging / 10k | Filing |
|---|---|---|---|---|---|---|
| 2021-03-30 | 2020-12-31 | 68,160 | — | 46.8 | 83.77 | read · EDGAR ↗ |
| 2022-03-25 | 2021-12-31 | 67,882 | — | 48.02 | 79.99 | read · EDGAR ↗ |
| 2023-03-31 | 2022-12-31 | 67,775 | — | 45.15 | 85.87 | read · EDGAR ↗ |
| 2024-03-22 | 2023-12-31 | 61,122 | — | 45.97 | 85.57 | read · EDGAR ↗ |
| 2025-03-31 | 2024-12-31 | 59,030 | — | 45.23 | 87.24 | read · EDGAR ↗ |
| 2026-03-30 | 2025-12-31 | 57,397 | — | 50.53 | 83.8 | read · EDGAR ↗ |
plot against the price on GRAPH: Document length · Item 1A length · Negation per 10k words · Hedging per 10k words
The filer's own 10-K text · 6 filings measured
House wordlists, not a licensed dictionary and not tuned against returns.
9 negation words · 40 hedging words — hover to read both lists.
Each point sits at its filing date and is held flat until the next filing.