US · PBHC
Pathfinder Bancorp, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Oswego, NY 13126
- Website
- pathfinderbank.com
Price · as of 2024-12-31
$14.25
Market cap 92.44M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $43.21 | +203.23% |
| Intrinsic Value(DCF) | $17.50 | +22.81% |
| Graham-Dodd Method(GD) | $16.03 | +12.48% |
| Graham Formula(GF) | $13.12 | -7.96% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $4.76 | $65.56 | $6.14 | $7.26 | $6.26 |
| 2011 | $4.32 | $53.82 | $0.00 | $8.36 | $6.23 |
| 2012 | $5.65 | $105.84 | $16.90 | $9.22 | $5.34 |
| 2013 | $6.99 | $39.12 | $17.36 | $10.75 | $5.94 |
| 2014 | $8.00 | $15.33 | $23.74 | $17.44 | $8.65 |
| 2015 | $9.53 | $33.93 | $25.52 | $16.89 | $11.86 |
| 2016 | $12.08 | $28.64 | $25.72 | $13.65 | $14.41 |
| 2017 | $13.33 | $37.30 | $29.86 | $15.04 | $19.39 |
| 2018 | $12.08 | $29.68 | $33.39 | $15.46 | $22.65 |
| 2019 | $12.15 | $45.98 | $40.11 | $19.90 | $27.40 |
| 2020 | $12.48 | $52.76 | $26.00 | $23.49 | $20.10 |
| 2021 | $16.26 | $147.18 | $47.22 | $32.11 | $37.90 |
| 2022 | $17.40 | $30.13 | $47.42 | $30.83 | $51.28 |
| 2023 | $11.27 | $66.24 | $63.46 | $27.64 | $68.58 |
| 2024 | $16.50 | $43.21 | $37.22 | $16.03 | $13.12 |
AI valuation
Our deep-learning model estimates Pathfinder Bancorp, Inc.'s (PBHC) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $43.21
- Current price
- $14.25
- AI upside
- +203.23%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$17.50
+22.81% upside
Graham-Dodd
$16.03
+12.48% upside
Graham Formula
$13.12
-7.96% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| PBHC | Pathfinder Bancorp, Inc. | $14.25 | 92.44M | +203% | +23% | +12% | -8% | 29.73 | 0.83 | 1.20 | -9.82 | — | 0.91 | 42.09% | 6.18% | 4.05% | 2.81% | -50.14% | 0.23% | 1.12 | 0.14 | 0.24 | 0.24 | 16.15 | -7219.00% | 1624.00% | -7864.00% | 2.86% | 0.01 | -29.87% | 2.36% | 70.30% | 59.96% | -12.37 | -22.19 | -0.76 | -0.59 |
| CFSB | CFSB Bancorp, Inc. | $14.25 | 93.32M | +3,644% | +16% | -17% | — | -335.35 | 1.17 | 6.79 | — | — | 1.17 | 0.00% | 0.00% | -2.02% | -0.35% | 0.00% | -0.07% | 0.00 | 0.00 | — | — | — | -50000.00% | 505.00% | -24084.00% | -0.53% | — | -0.84% | 0.00% | 0.00% | 0.00% | — | -136.89 | 4.90 | 0.50 |
| DTSQ | DT Cloud Star Acquisition… | $10.85 | 96.57M | — | — | — | — | 76.29 | 1.30 | — | 75.92 | — | 1.30 | 0.00% | — | — | 3.41% | -0.78% | 3.37% | 0.00 | — | 4.04 | 3.68 | -0.34 | — | — | — | -0.22% | -1.76 | -0.56% | 1.60% | 122.00% | 2.05% | -332.95 | -460.71 | — | 68.12 |
| FDSB | Fifth District Savings Ba… | $13.34 | 74.16M | +4,277% | +43% | +76% | — | -58.71 | 0.50 | 3.28 | -34.20 | — | 0.50 | 58.47% | -7.45% | -5.59% | -1.06% | -2.61% | -0.21% | 0.00 | -0.16 | 0.10 | 0.10 | 51.10 | -25000.00% | 1093.00% | 4065.00% | -2.47% | 0.00 | -3.79% | 0.00% | 0.00% | 35.72% | -17.67 | -16.23 | 1.32 | -0.46 |
| IROQ | IF Bancorp, Inc. | $25.85 | 83.65M | +138% | +11% | -1% | -27% | 19.19 | 1.01 | 1.71 | 23.03 | 13.67 | 1.03 | 54.72% | 12.23% | 8.90% | 5.53% | 8.66% | 0.48% | 0.89 | 0.26 | 0.00 | 0.01 | 8.08 | 14035.00% | 661.00% | 22019.00% | 7.89% | 0.01 | 13.11% | 1.56% | 29.90% | 17.75% | 25.44 | 23.09 | 3.11 | -0.76 |
| LSBK | Lake Shore Bancorp, Inc. | $14.27 | 110.43M | +782% | -10% | -10% | -42% | 17.74 | 0.97 | 2.30 | 1.23 | 270.53 | 0.98 | 67.82% | 15.39% | 12.94% | 5.60% | 55.27% | 0.70% | 0.11 | 0.43 | 0.16 | 0.16 | -3.46 | 656.00% | 472.00% | -5686.00% | 2.87% | 0.00 | 28.11% | 1.24% | 21.90% | 6.29% | 1.38 | 3.23 | 0.21 | -0.50 |
| MGYR | Magyar Bancorp, Inc. | $17.04 | 109.89M | +156% | +26% | +32% | +80% | 10.76 | 0.88 | 1.80 | 8.89 | 40.12 | 0.89 | 60.27% | 23.64% | 16.71% | 8.51% | 8.04% | 1.00% | 0.41 | 0.61 | 0.03 | 0.04 | 2.85 | 2683.00% | 1208.00% | 7826.00% | 9.34% | 0.01 | 8.08% | 1.74% | 18.70% | 2.54% | 9.50 | 13.36 | 2.24 | -0.68 |
| PROV | Provident Financial Holdi… | $15.46 | 102.8M | +132% | +7% | -0% | -36% | 16.35 | 0.80 | 1.70 | 21.21 | — | 0.80 | 65.94% | 14.75% | 10.40% | 4.84% | 2.07% | 0.50% | 1.66 | 0.42 | 0.06 | 0.06 | 12.94 | -1226.00% | 253.00% | 9910.00% | 7.97% | 0.01 | 2.70% | 3.68% | 60.20% | 34.57% | 29.55 | 32.15 | 4.36 | -0.44 |
| UBCP | United Bancorp, Inc. | $12.55 | 72.46M | +2,000% | +507% | +59% | +78% | 10.65 | 1.17 | 1.74 | 3.90 | 193.30 | 1.17 | 67.36% | 17.41% | 16.32% | 11.57% | 19.18% | 0.93% | 0.00 | 0.55 | — | — | -5.02 | 551.00% | 799.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 192.65% | 4.36 | — | 0.76 | 0.29 |
| WSBK | Winchester Bancorp, Inc. … | $9.63 | 89.51M | +564% | +6% | +25% | — | -101.05 | 0.77 | 1.98 | -226.66 | — | 0.77 | 38.76% | -3.44% | -1.96% | -0.89% | -0.55% | -0.10% | 1.27 | -0.06 | 0.09 | 0.12 | -134.34 | -22019.00% | 2251.00% | -30083.00% | 2.47% | 0.00 | 1.38% | 0.00% | 0.00% | 3.79% | -101.18 | 70.98 | 3.48 | -0.56 |
About Pathfinder Bancorp, Inc.
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
- CEO
- James A. Dowd CPA, CPA
- Employees
- 172
- Beta
- 0.10
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($17.50 ÷ $14.25) − 1 = +22.81% (DCF, example).