PBHC Relative Valuation
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. If the market price exceeds this fair value range, PBHC is overvalued; if below, it's undervalued.
Historical Valuation
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 methord.
Relative Value
Fair Zone
-
Current Price：13.61
Fair
0.00
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Pathfinder Bancorp Inc (MARYLAND). (PBHC) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Pathfinder Bancorp Inc (MARYLAND). (PBHC) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.00
PS
Pathfinder Bancorp Inc (MARYLAND). (PBHC) has a current PS of 0.00. The 5-year average PS is 0.03. The thresholds are as follows: Strongly Undervalued below -1.27, Undervalued between -1.27 and -0.62, Fairly Valued between 0.68 and -0.62, Overvalued between 0.68 and 1.33, and Strongly Overvalued above 1.33. The current Forward PS of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Pathfinder Bancorp Inc (MARYLAND). (PBHC) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Pathfinder Bancorp Inc (MARYLAND). (PBHC) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
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 0.77 , the current P/B ratio is approximately -10.14% higher. Relative to its 5-year average P/B ratio of 0.82, the current P/B ratio is about -15.76% higher. Pathfinder Bancorp Inc (MARYLAND) (PBHC) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 12.77%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 17.79% , the current FCF yield is about -100.00% lower.
0.69
P/B
Median3y
0.77
Median5y
0.82
5.62
FCF Yield
Median3y
12.77
Median5y
17.79
Competitors Valuation Multiple
The average P/S ratio for PBHC's competitors is 0.00, providing a benchmark for relative valuation. Pathfinder Bancorp Inc (MARYLAND) Corp (PBHC) exhibits a P/S ratio of 0.00, which is NaN% above the industry average. Given its robust revenue growth of 0.09%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PBHC decreased by 20.69% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 6.81 to 13.12.
The secondary factor is the Revenue Growth, contributed 0.09%to the performance.
Overall, the performance of PBHC in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
Is Pathfinder Bancorp Inc (MARYLAND) (PBHC) currently overvalued or undervalued?
What is Pathfinder Bancorp Inc (MARYLAND) (PBHC) fair value?
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What is the current P/B ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Dec 05 2025?
What is the current FCF Yield for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Dec 05 2025?
What is the current Forward P/E ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Dec 05 2025?