Pathfinder Bancorp Inc
NASDAQ: PBHC · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-04
Pathfinder Bancorp Inc (PBHC) Stock Valuation Analysis
Fair value estimate, historical valuation range, and quality signals for PBHC.
Current price exceeds what fundamentals support. Risk/reward skewed unfavorably.
PBHC historical valuation range
Where current P/E sits in PBHC's own 5Y range.
PBHC intrinsic value (DCF)
DCF-based fair value estimate vs current market price.
Standard discounted cash flow models produce unreliable output for unprofitable or near-breakeven companies. Revenue-based multiples such as P/S and EV/Sales, combined with the historical valuation position above, give a more reliable read for this stock.
Intrinsic value calculated using discounted cash flow (DCF) model based on projected free cash flows, discount rate, and terminal growth assumptions. A positive margin of safety indicates the current price is below estimated fair value, providing a cushion against estimation error.
PBHC valuation signals
Quick-read green flags, caution flags, and risks based on current metrics.
P/E Ratio — History
P/S Ratio — History
Current: 3.14x
Is PBHC overvalued in 2026?
Pathfinder Bancorp Inc (PBHC) currently trades at $13.01 per share with a market capitalization of $94,035,000.00. Based on our multi-factor framework, the stock appears richly valued with a Smart Value Score of 37/100. This score blends growth quality, financial health, and price attractiveness into a single institutional-grade read.
PBHC currently has no meaningful P/E ratio, which typically signals that the company is unprofitable, near breakeven, or emerging from a loss-making period. With a P/S ratio of 3.1x, the market is valuing the company primarily on its revenue rather than its earnings.
Looking at its own history, PBHC is currently trading cheaper than 100% of the last 5Y on P/E. This places it in the 0th percentile of its historical range, a level that has historically coincided with attractive entry points.
A standard DCF model does not produce reliable output for PBHC under current conditions. For unprofitable or near-breakeven companies, revenue-based multiples such as EV/Sales and historical P/S percentile are more informative than intrinsic value calculations.
Financial quality is a concern. The Piotroski F-Score of 3/9 flags weakening fundamentals that deserve closer scrutiny before the valuation case can be fully trusted.
Bottom line: PBHC appears richly valued on our framework, with a Smart Value Score of 37/100. At current levels the risk/reward is skewed against the buyer. A materially lower price or significant operational improvement would be needed to change the picture.
Frequently asked questions
Is PBHC overvalued?
PBHC scores 37/100 on our Smart Value Score (Grade D), a weak overall profile. A standard DCF is unreliable here given the profitability profile, so valuation leans on revenue-based measures like EV/Sales and the P/S percentile below.
What is PBHC's fair value?
A standard DCF is unreliable for PBHC given its current profitability profile. Revenue-based approaches like EV/Sales or the historical P/S percentile are more informative for this stock.
What P/E ratio does PBHC trade at?
PBHC does not have a meaningful P/E right now, usually a sign of unprofitability or an earnings transition. For unprofitable growth names, price-to-sales is the more useful gauge.
Is PBHC a buy based on valuation?
Our Smart Value rating for PBHC is Sell, from a Smart Value Score of 37/100 that blends growth, quality, and valuation. The profile skews cautious, and a better price or clearer operating improvement would strengthen the case. This is research to inform your decision, not personalized financial advice.
How does PBHC's valuation compare to its history?
On P/E, PBHC sits in the 0th percentile of its own 5Y range, historically cheap relative to where it has traded. A low percentile means today's multiple is near the bottom of its historical band.
What is PBHC's Smart Value Score?
PBHC's Smart Value Score is 37/100. It is a proprietary WallStSmart metric blending growth quality, financial health, and valuation into a single 0-100 read, and scores above 75 are rare, signaling strong multi-factor alignment.