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PBHC

Pathfinder Bancorp, Inc.

Financial Services · $109M market cap

Verdict

We can't put a fair value on PBHC right now. Our bank valuation came out more than 3× away from the share price, and no other method fits a business like this. We'd rather show nothing than a misleading number.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth12.2% a year✓
Equity per share growth9.9% a year✗
Sales growth8.5% a year✗
Free cash flow growth11.0% a year✓
Return on invested capital1.4%✗

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Insider activity

Since Jun 15, 2026: 1 open-market purchase worth $16K. Why purchases matter

Purchases

Polniak Joseph

FVP, General Counsel · 2026-06-15

Bought

$16K

About Pathfinder Bancorp, Inc.

Pathfinder Bancorp, Inc. serves as the holding company for Pathfinder Bank, delivering a broad spectrum of banking and financial solutions primarily across Oswego and Onondaga Counties in New York. The institution gathers deposits through various accounts, including checking, savings, money market, certificates of deposit, and both demand and time deposit options. Its loan portfolio is extensive, featuring…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works