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Company Analysis

Pathfinder Bancorp, Inc. PBHC

A comprehensive view of key metrics, scores, and financial health for Pathfinder Bancorp, Inc.

Overview of Pathfinder Bancorp, Inc.

PBHC NCM
Financial Services Banks - Regional Micro Cap
Pathfinder Bancorp, Inc. (PBHC), is a Micro Cap company, in the Banks - Regional industry, last closed at $13.60, about 100.4% undervalued vs fair value, -18.9% 1Y return, ranked 750/1004 in sector.
$13.60
-0.29%
As of March 13, 2026
Previous close • Vol 90d: 34.5%
52-Week Range
Market Cap
$82.10M
Enterprise Value
$177.81M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.pathfinderbank.com
HQ Oswego, NY
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$15
$27
$51
Current: $13.60 +100% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$77.7M
15.9%%
Interest Expense
$32.3M
Net Interest Income
$40.4M
5.3%%
Total Revenue
$79.1M
71.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
2.1%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.7M
301.8% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Pathfinder Bancorp, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
21
/100
Weak
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
17
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PBHC's balance between Growth (65.6%), Profitability (15.1%), and Safety (19.3%). Growth 66% Safety 19% Profitability 15%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

43th percentile vs peers
44
Key Signals
Rev Growth YoY 71.6% 64p Revenue CAGR 3Y 19.3% 52p Asset Growth YoY -3.4% 8p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-3.4%)

Profitability

10th percentile vs peers
10
Key Signals
Strengths
Risks
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Safety

12th percentile vs peers
13
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Pathfinder Bancorp, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.25
- - -
+100.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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