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
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Current Price：14.35
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
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 0.76 , the current P/B ratio is approximately -9.46% higher. Relative to its 5-year average P/B ratio of 0.83, the current P/B ratio is about -16.60% 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 12.54%, the current FCF yield is approximately -54.97% lower. Relative to its 5-year average FCF yield of 16.19% , the current FCF yield is about -65.11% lower.
P/B
Median3y
0.76
Median5y
0.83
FCF Yield
Median3y
12.54
Median5y
16.19
Competitors Valuation Multiple
AI Analysis for PBHC
The average P/S ratio for PBHC competitors is 0.52, 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 0.09%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for PBHC
1Y
3Y
5Y
Market capitalization of PBHC increased by 0.00% over the past 1 year. 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 is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is PBHC currently overvalued or undervalued?
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.
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 methord.
How does PBHC's valuation metrics compare to the industry average?
The average P/S ratio for PBHC's competitors is 0.52, 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 0.09%, this premium appears unsustainable.
What is the current P/B ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) as of Jan 11 2026?
As of Jan 11 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 Jan 11 2026?
As of Jan 11 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 Jan 11 2026?
As of Jan 11 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 Jan 11 2026?
As of Jan 11 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.