Pathfinder Bancorp Inc (PBHC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Pathfinder Bancorp Inc stock (PBHC) is currently trading at $13.12. Pathfinder Bancorp Inc PE ratio is 12.43. Pathfinder Bancorp Inc PS ratio (Price-to-Sales) is 2.77. WallStSmart rates PBHC as Sell.
- PBHC PE ratio analysis and historical PE chart
- PBHC PS ratio (Price-to-Sales) history and trend
- PBHC intrinsic value — DCF, Graham Number, EPV models
- PBHC stock price prediction 2025 2026 2027 2028 2029 2030
- PBHC fair value vs current price
- PBHC insider transactions and insider buying
- Is PBHC undervalued or overvalued?
- Pathfinder Bancorp Inc financial analysis — revenue, earnings, cash flow
- PBHC Piotroski F-Score and Altman Z-Score
- PBHC analyst price target and Smart Rating
Pathfinder Bancorp Inc
📊 No data available
Try selecting a different time range
PBHC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Pathfinder Bancorp Inc (PBHC)
PBHC trades 64% above its Graham fair value of $8.16, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Pathfinder Bancorp Inc (PBHC) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/book. Concerns around market cap and return on equity. Significant fundamental concerns warrant caution or avoidance.
Pathfinder Bancorp Inc (PBHC) Key Strengths (1)
Trading below book value, meaning the market prices it less than net assets
Supporting Valuation Data
Pathfinder Bancorp Inc (PBHC) Areas to Watch (8)
Revenue declining -22.10%, a shrinking business
Earnings declining -98.40%, profits shrinking
Very low returns on shareholder equity
Near-zero operating margins, business under pressure
Micro-cap company with very limited liquidity and high volatility
Thin profit margins with limited profitability
Revenue is fairly priced at 2.77x sales
Moderate institutional interest at 32.06%
Pathfinder Bancorp Inc (PBHC) Detailed Analysis Report
Overall Assessment
This company scores 33/100 in our Smart Analysis, earning a F grade. Out of 9 metrics analyzed, 1 register as strengths (avg 10.0/10) while 8 fall into concern territory (avg 2.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book. Valuation metrics including Price/Book (0.66) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Revenue Growth, EPS Growth, Return on Equity. Some valuation metrics including Price/Sales (2.77) suggest expensive pricing. Growth concerns include Revenue Growth at -22.10%, EPS Growth at -98.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 2.94%, Operating Margin at 0.83%, Profit Margin at 5.81%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 2.94% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -22.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Revenue Growth and EPS Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PBHC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PBHC's Price-to-Sales ratio of 2.77x trades at a 20% premium to its historical average of 2.31x (82th percentile). The current valuation is 21% below its historical high of 3.52x set in Jan 2007, and 156% above its historical low of 1.08x in Mar 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Pathfinder Bancorp Inc (PBHC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Pathfinder Bancorp Inc operates as a stable business with moderate growth and solid fundamentals. Revenue reached 39M with 22% decline year-over-year. Profit margins are thin at 5.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
ROE of 294.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Revenue contracted 22% YoY. Worth determining whether this is cyclical or structural.
What to Watch Next
Margin expansion: can Pathfinder Bancorp Inc push profit margins above 15% as the business scales?
Debt management: total debt of 107M is significantly higher than cash (12M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Pathfinder Bancorp Inc.
Bottom Line
Pathfinder Bancorp Inc offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Pathfinder Bancorp Inc(PBHC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Pathfinder Bancorp, Inc. is a portfolio company of Pathfinder Bank offering various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company is headquartered in Oswego, New York.