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Pathfinder Bancorp, Inc (PBHC) Fair Value & Analysis

Financial Services · US · Market cap $106M

Price$16.26
Fair Value$7.06
Upside-56.6%
Quality95/100
Evidence: Medium Range $3.92 – $9.72

Fair value as of: Jun 26, 2026

Analysis

Pathfinder Bancorp, Inc (PBHC) currently trades at $16.26, while our model-based Fair Value estimate is $7.06 — implying the stock looks roughly 56.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in the United States. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial loans, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. It is also involved in the property, casualty, and life insurance brokerage business. The company primarily serves individuals, families, small to mid-size businesses, and municipalities. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

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Frequently asked questions

Is Pathfinder Bancorp, Inc (PBHC) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $7.06 versus a price of $16.26 — about −57% (overvalued). Model-based estimate, not financial advice.
What is the fair value of PBHC?
Our 21-model fair value for Pathfinder Bancorp, Inc is $7.06 (as of Jun 26, 2026), built from audited fundamentals. The current price is $16.26.
What is the quality score of PBHC?
Pathfinder Bancorp, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.