Pathfinder Bancorp Inc (MARYLAND) (PBHC) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Pathfinder Bancorp Inc (MARYLAND) (PBHC) is between -- to -- according to relative valuation method.

Relative Value

Fair Zone

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Current Price：13.51

Fair

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Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a current Price-to-Book (P/B) ratio of 0.69. Compared to its 3-year average P/B ratio of 0.75, the current P/B ratio is approximately -8.35% higher. Relative to its 5-year average P/B ratio of 0.83, the current P/B ratio is about -17.22% higher. Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a Forward Free Cash Flow (FCF) yield of approximately 5.65%. Compared to its 3-year average FCF yield of 12.48%, the current FCF yield is approximately -54.73% lower. Relative to its 5-year average FCF yield of 14.63%, the current FCF yield is about -61.38% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for PBHC competitors is 2.11, providing a benchmark for relative valuation. Pathfinder Bancorp Inc (MARYLAND) Corp (PBHC.O) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 5.66%, this premium appears unsustainable.

P/E

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EV/EBITDA

EV/EBIT

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Performance Decomposition

AI Analysis

Market capitalization of PBHC increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of PBHC in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is PBHC currently overvalued or undervalued?

What is Pathfinder Bancorp Inc (MARYLAND) (PBHC) fair value?

PBHC's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Pathfinder Bancorp Inc (MARYLAND) (PBHC) is between to according to relative valuation method.

How does PBHC's valuation metrics compare to the industry average?

The average P/S ratio for PBHC's competitors is 2.11, providing a benchmark for relative valuation. Pathfinder Bancorp Inc (MARYLAND) Corp (PBHC) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 5.66%, this premium appears unsustainable.

What is the current P/B ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Mar 03 2026?

As of Mar 03 2026, Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a P/B ratio of 0.69. This indicates that the market values PBHC at 0.69 times its book value.

What is the current FCF Yield for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Mar 03 2026?

As of Mar 03 2026, Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a FCF Yield of 5.65%. This means that for every dollar of Pathfinder Bancorp Inc (MARYLAND)'s market capitalization, the company generates 5.65 cents in free cash flow.

What is the current Forward P/E ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Mar 03 2026?

As of Mar 03 2026, Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Pathfinder Bancorp Inc (MARYLAND)'s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Mar 03 2026?

As of Mar 03 2026, Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a Forward P/S ratio of 0.00. This means the market is valuing PBHC at $0.00 for every dollar of expected revenue over the next 12 months.

PBHC Valuation