<div id="readability-page-1"><div><p><span>Dowd James A Chief Executive Officer of Pathfinder Bancorp Inc [PBHC] filed a Form 4 on December 11, 2025 with the Securities and Exchange Commission disclosing the following changes in ownership:</span></p><div><table><tbody><tr><td><span>Date</span></td><td><span>12/10/25</span></td></tr><tr><td><span>Transaction</span></td><td><span>Exercise(1)</span></td></tr><tr><td><span>Shares</span></td><td><span>4,000</span></td></tr><tr><td><span>Price</span></td><td><span>$11.35</span></td></tr><tr><td><span>Value</span></td><td><span>$45,400</span></td></tr></tbody></table></div><p><span>Ending Holdings: 101,937 (62,704 - Direct, 39,233 - Indirect)</span></p><ul><li><span>(1)</span></li><li><span>Exercised 8.6 years after vest date and 4.8 months before expiration date.</span></li></ul><p><span>For a free trial, or to learn more about our insider trading analysis and data services, please visit http://www.washingtonservice.com or contact us at (301) 913-5100 or send an email to info@washingtonservice.com.</span></p><p><span>Founded in 1970, The Washington Service provides securities professionals with financial, economic and public policy research and data.</span></p><span> </span></div></div>

PBHC

<p>CEO James A. Dowd of Pathfinder Bancorp Inc acquired 4,000 shares at $11.35 each, totaling $45,400, as disclosed in a Form 4 filed with the SEC on December 11, 2025. His total holdings now stand at 101,937 shares.</p>

CEO Dowd Acquires 4,000 Of Pathfinder Bancorp Inc [PBHC]