SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 7)

Pathfinder Bancorp Inc.

(Name of Issuer)

Common Stock, Par Value $0.01

(Title of Class of Securities)

70319R109

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No.

70319R109

Names of Reporting Persons

Minerva Advisors LLC

Check the appropriate box if a member of a Group (see instructions)

(a)

(b)

Sec Use Only

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 210,842.00
6	Shared Voting Power 51,362.00
7	Sole Dispositive Power 210,842.00
8	Shared Dispositive Power 51,362.00

Aggregate Amount Beneficially Owned by Each Reporting Person

262,204.00

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

Checkbox not checked

Percent of class represented by amount in row (9)

5.5 %

Type of Reporting Person (See Instructions)

SCHEDULE 13G

CUSIP No.

70319R109

Names of Reporting Persons

Minerva Group LP

Check the appropriate box if a member of a Group (see instructions)

(a)

(b)

Sec Use Only

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 210,842.00
6	Shared Voting Power
7	Sole Dispositive Power 210,842.00
8	Shared Dispositive Power

Aggregate Amount Beneficially Owned by Each Reporting Person

210,842.00

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

Checkbox not checked

Percent of class represented by amount in row (9)

4.4 %

Type of Reporting Person (See Instructions)

SCHEDULE 13G

CUSIP No.

70319R109

Names of Reporting Persons

Minerva GP, LP

Check the appropriate box if a member of a Group (see instructions)

(a)

(b)

Sec Use Only

Citizenship or Place of Organization

DELAWARE

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 210,842.00
6	Shared Voting Power
7	Sole Dispositive Power 210,842.00
8	Shared Dispositive Power

Aggregate Amount Beneficially Owned by Each Reporting Person

210,842.00

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

Checkbox not checked

Percent of class represented by amount in row (9)

4.4 %

Type of Reporting Person (See Instructions)

SCHEDULE 13G

CUSIP No.

70319R109

Names of Reporting Persons

Minerva GP, Inc.

Check the appropriate box if a member of a Group (see instructions)

(a)

(b)

Sec Use Only

Citizenship or Place of Organization

PENNSYLVANIA

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 210,842.00
6	Shared Voting Power
7	Sole Dispositive Power 210,842.00
8	Shared Dispositive Power

Aggregate Amount Beneficially Owned by Each Reporting Person

210,842.00

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

Checkbox not checked

Percent of class represented by amount in row (9)

4.4 %

Type of Reporting Person (See Instructions)

SCHEDULE 13G

CUSIP No.

70319R109

Names of Reporting Persons

David P. Cohen

Check the appropriate box if a member of a Group (see instructions)

(a)

(b)

Sec Use Only

Citizenship or Place of Organization

UNITED STATES

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 210,842.00
6	Shared Voting Power 51,362.00
7	Sole Dispositive Power 210,842.00
8	Shared Dispositive Power 51,362.00

Aggregate Amount Beneficially Owned by Each Reporting Person

262,204.00

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

Checkbox not checked

Percent of class represented by amount in row (9)

5.5 %

Type of Reporting Person (See Instructions)

SCHEDULE 13G

Item 1.

(a)

Name of issuer:

Pathfinder Bancorp Inc.

(b)

Address of issuer's principal executive offices:

214 West First Street, Oswego, NY 13126

Item 2.

(a)

Name of person filing:

Minerva Advisors LLC Minerva Group, LP Minerva GP, LP Minerva GP, Inc. David P. Cohen

(b)

Address or principal business office or, if none, residence:

50 Monument Road, Suite 201 Bala Cynwyd, PA 19004

(c)

Citizenship:

David P. Cohen is a U.S. Citizen. Minerva Advisors LLC, Minerva Group, LP, and Minerva GP, LP are organized under Delaware law. Minerva GP, Inc. is organized under Pennsylvania law.

(d)

Title of class of securities:

Common Stock, Par Value $0.01

(e)

CUSIP No.:

70319R109

Item 3.

If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:

(a)

Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);

(b)

Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);

(c)

Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);

(d)

Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);

(e)

An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);

(f)

An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);

(g)

A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);

(h)

A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);

(i)

A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);

(j)

A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J),
please specify the type of institution:

(k)

Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).

Item 4.

Ownership

(a)

Amount beneficially owned:

Minerva Advisors LLC* - 262,204 Minerva Group LP - 210,842 Minerva GP, LP* - 210,842 Minerva GP, Inc.* - 210,842 David P. Cohen* - 262,204 *Each of these reporting persons is deemed a beneficial owner of the 210,842 shares of the Issuer held by Minerva Group, LP. David P. Cohen is also deemed a beneficial owner of the 262,204 shares of the Issuer beneficially owned by Minerva Advisors LLC.

(b)

Percent of class:

Minerva Advisors LLC* - 5.5% Minerva Group LP - 4.4% Minerva GP, LP* - 4.4% Minerva GP, Inc.* - 4.4% David P. Cohen* - 5.5% *Each of these reporting persons is deemed a beneficial owner of the 4.4% of the shares of the Issuer held by Minerva Group, LP. David P. Cohen is also deemed a beneficial owner of the 5.5% of the shares of the Issuer beneficially owned by Minerva Advisors LLC. Based on a total of 4,794,225 shares of the Issuer's Common Stock outstanding as of 11/11/2025, as reported in the Issuer's Quarterly Report on Form 10-Q for the period ended 9/30/2025.

(c)

Number of shares as to which the person has:

(i) Sole power to vote or to direct the vote:

Minerva Advisors LLC* - 210,842 Minerva Group, LP - 210,842 Minerva GP, LP* - 210,842 Minerva GP, Inc.* - 210,842 David P. Cohen* - 210,842 *Each of these reporting persons is deemed a beneficial owner of the 210,842 shares of the Issuer held by Minerva Group, LP.

(ii) Shared power to vote or to direct the vote:

Minerva Advisors LLC - 51,362 David P. Cohen** - 51,362 **David P. Cohen is deemed a beneficial owner of the 51,362 shares of the Issuer beneficially owned by Minerva Advisors LLC.

(iii) Sole power to dispose or to direct the disposition of:

(iv) Shared power to dispose or to direct the disposition of:

Minerva Advisors LLC - 51,362 David P. Cohen** - 51,362 **David P. Cohen is deemed a beneficial owner of the 51,362 shares of the Issuer beneficially owned by Minerva Advisors LLC.

Item 5.

Ownership of 5 Percent or Less of a Class.

Not Applicable

Item 6.

Ownership of more than 5 Percent on Behalf of Another Person.

Not Applicable

Item 7.

Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.

Not Applicable

Item 8.

Identification and Classification of Members of the Group.

Not Applicable

Item 9.

Notice of Dissolution of Group.

Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Minerva Advisors LLC

Signature:	David P. Cohen
Name/Title:	President
Date:	02/10/2026

Minerva Group LP

Signature:	MINERVA GP, LP
Name/Title:	General Partner
Date:	02/10/2026

Signature:	MINERVA GP, INC.
Name/Title:	General Partner
Date:	02/10/2026

Signature:	David P. Cohen
Name/Title:	President
Date:	02/10/2026

Minerva GP, LP

Signature:	MINERVA GP, INC.
Name/Title:	General Partner
Date:	02/10/2026

Signature:	David P. Cohen
Name/Title:	President
Date:	02/10/2026

Minerva GP, Inc.

Signature:	David P. Cohen
Name/Title:	President
Date:	02/10/2026

David P. Cohen

Signature:	David P. Cohen
Name/Title:	Individual
Date:	02/10/2026

Amendment: SEC Form SCHEDULE 13G/A filed by Pathfinder Bancorp Inc.