Pathfinder Bancorp (Pathfinder Bancorp) GF Value Rank : 10 (As of Apr. 27, 2024)

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What is Pathfinder Bancorp GF Value Rank?

Pathfinder Bancorp has the GF Value Rank of 10.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Pathfinder Bancorp's GF Value Rank

For the Banks - Regional subindustry, Pathfinder Bancorp's GF Value Rank, along with its competitors' market caps and GF Value Rank data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Pathfinder Bancorp's GF Value Rank Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's GF Value Rank falls into.

Pathfinder Bancorp GF Value Rank Related Terms

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Pathfinder Bancorp (Pathfinder Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pathfinder Bancorp Inc (NAS:PBHC) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

N/A

Address

214 West First Street, Oswego, NY, USA, 13126

Website

https://www.pathfinderbank.com

Pathfinder Bancorp Inc is a holding company for Pathfinder Bank. The Pathfinder Bank is a commercial bank engaged in attracting deposits from the general public and investing such deposits, together with other sources of funds, in loans secured by residential real estate, commercial real estate, small business loans, and consumer loans. The bank invests a portion of its assets in debt securities issued by the United States Government and its agencies and sponsored enterprises, state and municipal obligations, corporate debt securities, mutual funds, and equity securities. The principal source of income is interest on loans and investment securities.

Executives

Walter Rusnak	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
George P Joyce	director	214 WEST FIRST STREET, OSWEGO NY 13126
Calvin Corriders	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd	officer: SVP and CFO	214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin	director	214 WEST FIRST STREET, OSWEGO NY 13126
Eric Allyn	director	214 WEST FIRST STREET, OSWEGO NY 13126
Adam C. Gagas	director	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald Tascarella	officer: SVP and CCO
Rebecca Braheney	officer: Controller, VP	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald G. Tascarella	officer: 1st Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
John Funiciello	director	214 WEST FIRST STREET, OSWEGO NY 13126
Thomas W Schneider	director, officer: President and CEO	214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips	officer: SVP	214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr.	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
Sharkey John F. Iii	director	214 WEST FIRST STREET, OSWEGO NY 13126