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Pathfinder Bancorp

NAQ:PBHC · US70319R1095
BanksSmall

360

13
Medium confidence — indicative
Profit price—
Cash yield1
Price/Sales62
EV / Gross Profit29
Price/Book86
Returns on capital—
Profit margins—

Cash truth not applicable for financial companies.

Sales growth10
Profit growth81
Reinvestment54
Price momentum44
Debt load20
Debt serviceability75
Liquidity33
Analyst ratings—
Expectations trend—
Market mood3
Value Creation0/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Pathfinder Bancorp doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 1/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2014
Employees131
Websiteir.pathfinderbank.com/home/default.aspx
ISINUS70319R1095
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)

Description

Pathfinder Bancorp, Inc. operates as a registered bank holding company for Pathfinder Bank (the ‘bank’) which is a New York-chartered commercial bank. The company owns a non-consolidated Delaware statutory trust subsidiary, Pathfinder Statutory Trus…

Analysis

Weak and unloved

Pathfinder Bancorp, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

Valuation data is not available for this company.

Growth is tepid; the safety picture is stretched. The company scores 0/20 on our value-creation score: not creating value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
9
20232026

All-time high

65

Jan 2023

All-time low

9

Jun 2026

Average rank

28

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
62
—
—
100
Price/Earnings
52
—
—
28
Price/Book
86
—
—
72
Dividend Yield
1
—
—
27
Value (overall)
50
—
—
61

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →