Stock Trading Canary

United States · SEC Form 4 · Snapshot date: 2026-10-19 · Built: 2026-10-19 · 中文

← United States · Coverage record

US · SEC FORM 4

Pathfinder Bancorp, Inc.

PBHC · Nasdaq · CIK 0001609065 · Financial Services · Banks—Regional

INSIDER SIGNAL

42.2 / 100

2 buyers · 2 purchase transaction lines · $35.0K gross purchase

WHY THIS SIGNAL?

Buyer breadthLow
Purchase sizeLow
RoleModerate
RecencyLow
ConvictionStrong
Score anatomy

Each bar shows the contribution to the current score; the weights and formula stay unchanged.

Cluster+14.0 / 35
Purchase size+4.0 / 25
Role+13.0 / 20
Recency+1.2 / 10
Conviction+10.0 / 10

What is holding the score back?

  • ⚠ Cluster breadth is moderate · 2 insider(s), not 4+
  • ⚠ Purchase size is modest relative to the model scale
  • ⚠ Role scores low · most senior buyer: President and CEO (CEO, chair and 10% owners score lowest)
  • ⚠ Purchase activity is becoming less recent

Purchase-size comments are relative to the model scale. Average daily volume is a separate market-context diagnostic.

US-v1.2 ranks qualifying equity purchases under the current 180-day rules. The score is a research priority, not a return forecast or probability. Backtests have not shown that a higher US score is followed by better returns.

Purchase breadth & concentration

QUALIFYING BUYERS2
PURCHASE CONCENTRATION55%Largest buyer: Dowd James A. · $19.2K
CLUSTER BUYING · 15D2 insidersPeak activity: 2026-06-02–2026-06-15

Roles in the peak window: FVP, General Counsel, President and CEO. Concentration uses priced qualifying P lines only and does not change the saved score.

Insider activity timeline

Owner lanes show the latest 180 days. Symbol shape identifies the transaction type; sales remain context only.

AprMayJunJulAugSepOct
Dowd James A.President and CEO
○●
Polniak JosephFVP, General Counsel
●
Littlejohn MelanieDirector
○
O'Brien William DSenior Vice President
○
● Purchase▼ Sale○ Other

—

SIGNAL HISTORY

42.2 / 100

Latest recorded score

→ +0.0 ptsversus the previous recorded snapshot
  1. 42.4
  2. 42.4
  3. 42.3
  4. 42.2
  5. 42.2

Only scores saved when a full US scoring run completed are shown; gaps are not reconstructed.

Recent Form 4 activity

5Purchases
0Sales
15Other Form 4 lines
17SEC filings · 365 days
BUYING2 qualifying P line(s) · 180 days
SELLING0 sale line(s) · context only
OTHER4 exercise / withholding / award / gift / other lines
10b5-1 / PLANNEDNot assessed

P is an open-market or private purchase. S is a sale. M, F, A and G usually describe exercises, tax withholding, awards and gifts. These categories remain visually separate.

Market context

Market context provides additional background on recent price performance and risk. It does not affect the Insider Signal.

Price performance

1M
-1.4%
3M
+4.0%
6M
+23.6%
12M
+10.3%

Volatility & liquidity

Volatility
34.1%
Beta
—
Avg daily value
USD 79,550

Valuation

Market cap
—
P/E
—

Fundamentals

Profit margin
—
ROE
-1.6%
Industry
Banks—Regional

Market data

Price data up to: 2026-10-11 · Price source: OpenBB/yfinance; volume from price cache (yfinance) · From SEC filings: ROE · Fiscal year ended: 2025-12-31 · Status: PASS

Short interest

Short interest is external context reported to FINRA by broker-dealers. It does not affect the Insider Signal.

Shares short
8,978
Previous report
9,217
Avg daily volume
2,146
Days to cover
4.2

FINRA settlement date: 2026-09-30 · Captured 2026-10-12 · FINRA equity short interest ↗. A share count, published about a week after each of two settlement dates a month; not a percentage of shares outstanding.

Historical equity purchases

Qualifying code P transactions in the local Form 4 history, including purchases outside the current signal window.

Transaction dateReporting ownerTypeSecuritySharesAvg. priceApprox. valueSource
2026-06-15Polniak JosephPurchase (P)Common Stock1,000USD 15.88USD 15,880SEC filing ↗
2026-06-02Dowd James A.Purchase (P)Common Stock1,400USD 13.69USD 19,166SEC filing ↗
2026-02-13Gagas Adam C.Purchase (P)Common Stock1,950USD 13.75USD 26,812SEC filing ↗
2026-02-12Gagas Adam C.Purchase (P)Common Stock6USD 13.50USD 81SEC filing ↗
2026-02-04Ayoub David A.Purchase (P)Common Stock425USD 12.83USD 5,453SEC filing ↗
2025-05-05Ayoub David A.Purchase (P)Common Stock1,000USD 14.95USD 14,950SEC filing ↗
2024-05-07Ayoub David A.Purchase (P)Common Stock260USD 12.40USD 3,224SEC filing ↗
2024-03-13Dowd James A.Purchase (P)Common Stock425USD 12.55USD 5,334SEC filing ↗
2024-03-12Dowd James A.Purchase (P)Common Stock200USD 12.02USD 2,404SEC filing ↗
2024-03-11Rusnak WalterPurchase (P)Common Stock1,500USD 11.89USD 17,835SEC filing ↗
2024-03-11Crawford-Hamlin MeghanPurchase (P)Common Stock1,000USD 11.50USD 11,500SEC filing ↗
2024-03-07Rusnak WalterPurchase (P)Common Stock1,500USD 11.85USD 17,775SEC filing ↗
2024-03-07Butkowski Robert G. Jr.Purchase (P)Common Stock3,500USD 11.95USD 41,825SEC filing ↗
2023-12-14Rusnak WalterPurchase (P)Common Stock1,000USD 13.00USD 13,000SEC filing ↗
2023-12-06JOYCE GEORGE PPurchase (P)Common Stock100USD 13.00USD 1,300SEC filing ↗

Form 4 evidence

20 transaction lines in the latest 365-day window; 164 in local history.

DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-06-15Polniak JosephPurchase (P)Common Stock1,000USD 15.88USD 15,880SEC filing ↗
2026-06-02Dowd James A.Purchase (P)Common Stock1,400USD 13.69USD 19,166SEC filing ↗
2026-05-04O'Brien William DOption exercise / conversion (M)Common Stock7,908USD 11.35USD 89,756SEC filing ↗
Show recent Form 4 evidence (18 grouped rows)
DateOwnerTypeSecuritySharesAvg. priceApprox. valueSource
2026-06-15Polniak JosephPurchase (P)Common Stock1,000USD 15.88USD 15,880SEC filing ↗
2026-06-02Dowd James A.Purchase (P)Common Stock1,400USD 13.69USD 19,166SEC filing ↗
2026-05-04O'Brien William DOption exercise / conversion (M)Common Stock7,908USD 11.35USD 89,756SEC filing ↗
2026-05-04Littlejohn MelanieOption exercise / conversion (M)Common Stock16,700USD 12.36USD 206,400SEC filing ↗
2026-05-04Dowd James A.Option exercise / conversion (M)Common Stock2,816USD 11.35USD 31,962SEC filing ↗
2026-03-13Gagas Adam C.Option exercise / conversion (M)Common Stock8,787USD 11.35USD 99,732SEC filing ↗
2026-03-13Dowd James A.Option exercise / conversion (M)Common Stock6,000USD 11.35USD 68,100SEC filing ↗
2026-03-12Ayoub David A.Option exercise / conversion (M)Common Stock8,787USD 11.35USD 99,732SEC filing ↗
2026-03-05O'Brien William DOption exercise / conversion (M)Common Stock3,647USD 10.81USD 39,424SEC filing ↗
2026-03-03Gagas Adam C.Gift (G)Common Stock1,000USD 0.00USD 0SEC filing ↗
2026-02-27Tascarella Ronald G.Option exercise / conversion (M)Common Stock3,974USD 12.32USD 48,965SEC filing ↗
2026-02-13Gagas Adam C.Purchase (P)Common Stock1,950USD 13.75USD 26,812SEC filing ↗
2026-02-12Gagas Adam C.Purchase (P)Common Stock6USD 13.50USD 81SEC filing ↗
2026-02-04Ayoub David A.Purchase (P)Common Stock425USD 12.83USD 5,453SEC filing ↗
2026-02-04O'Brien William DOption exercise / conversion (M)Common Stock5,000USD 10.81USD 54,050SEC filing ↗
2026-02-03Butkowski Robert G. Jr.Option exercise / conversion (M)Common Stock2,636USD 11.35USD 29,919SEC filing ↗
2025-12-10Dowd James A.Option exercise / conversion (M)Common Stock4,000USD 11.35USD 45,400SEC filing ↗
2025-11-20Barclay William AOption exercise / conversion (M)Common Stock4,500USD 11.35USD 51,075SEC filing ↗

Multiple price lines in one filing are grouped and share-weighted. Price and value are blank when a grouped filing line lacks price evidence.

Snapshot & identity

Snapshot date2026-10-19
Ranking versionUS-v1.2
Data qualityPASS ELIGIBLE · —
TickerPBHC
CIK0001609065
SectorFinancial Services
IndustryBanks—Regional Yahoo Finance
SEC SIC6022 State Commercial Banks
ExchangeNasdaq

Data coverage

Local Form 4 history164 transaction lines from 2020-02-06 to 2026-06-15
53 P purchase lines · 31 S sale lines · 80 other lines
SEC company submissionsOpen SEC filings ↗

Local ledger as of 2026-10-19. Mapping status is an audit field and does not erase SEC filing evidence.