PBHCNasdaqState Commercial Banks

Pathfinder Bancorp, Inc. (PBHC) earnings date, market-implied expected move, and options open interest by expiry

17.20

pre 17.20 +2.69%

Pre-market16:00 ETdelayed

Open17.20Volume1,811Mkt cap$105.2MP/E735.44Div yield1.79%

Day17.20 – 17.2050%52-wk11.82 – 18.1984%

PBHC

Pathfinder Bancorp, Inc.

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Jan 28

after close · in 85 days

est.Q4 FY26

Calendar

Next report

Last report

−1.47%

shaded = implied · ▲▼ = realized

Nov 2 '26 · confirmed

Implied vs realized

Largest filed tie

—

Supply chain

13F top-10 QoQ

+2.00%

shares held · 10 largest managers

13F · Jun 30 '26127d lag

Top fund weight

0.00%

PBHC weight · VTI

N-PORTJun 30 '26

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Pathfinder Bancorp (PBHC) is expected to report on Jan 28 after close (estimated date).

Implied vs realized

2 reports

—≥ implied

Q2 FY26Jul 30 '26confirmed—▲+0.43%—

Nov 2 '26Nov 2 '26confirmed—▼−1.47%—

quarterimplied−5%0+5%realized×

Nov '26—▼−1.47%—

Q2 FY26—▲+0.43%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

No open-interest data.

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ2 FY26

22.69%as filednet margin · revenue +2.56% QoQ · +26.51% YoY

Revenue$12M+2.56%

Pre-tax income$3M+10.53%

Net income$3M22.69%+10.57%

Tax$585,000+10.38%

Source: SEC filings · standardized · QE Jun 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 16:00 ET

Intraday

Event sensitivity

PPI ×1.13· ±1.9% vs ±1.6% · 10 releases

eventrelease day|move|up · n×base

PPIproducer prices±1.9%3 of 10×1.13

PCEpersonal income & outlays±1.8%5 of 18×1.11

FOMCrate decision±1.8%12 of 20×1.09

GDPgross domestic product±1.7%7 of 18×1.06

CPROFcorporate profits±1.3%3 of 12×0.79

NFPjobs report±1.1%5 of 10×0.69

CPIconsumer prices±0.8%3 of 8×0.46

Bar = avg |move| to ±2% · tick = ±1.6% avg day · ×base = |move| ÷ ±1.6% · min 6 releases

Earnings history

EPS 0.84 · consensus —

Quarter	Reported	EPS	Consensus
Q2 FY26	Jul 30 '26 · confirmed	0.84	—
Q1 FY26	—	0.76	—
Q3 FY25	—	0.47	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod