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Pathfinder BancorpPBHC +2.62%53 3-Year Book Growth Rate is 2.50% as of Jun. 2026, which is 36% below its 10-year median of 3.90. GuruFocus rates PBHC with a GF Score™ of 53/100 and a GF Value™ of $14.55 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,487 Banks companies, Pathfinder Bancorp ranks worse than 84.2% on this metric.
During the past 12 months, Pathfinder Bancorp's average Book Value per Share Growth Rate was -0.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -0.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 4.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Pathfinder Bancorp was 30.60% per year. The lowest was -3.10% per year. And the median was 3.90% per year.
Pathfinder Bancorp (NAS:PBHC) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Pathfinder Bancorp 3-Year Book Growth Rate Related Terms
PBHC vs BKSC, USMT, CBKM: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's 3-Year Book Growth Rate falls into.
Pathfinder Bancorp 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 2.50% mean?
Pathfinder Bancorp (PBHC) has a 3-Year Book Growth Rate of 2.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pathfinder Bancorp and its competitors. This is 36% below median its historical median of 3.90. According to the industry distribution chart, Pathfinder Bancorp ranks #1252 out of 1487 companies in the Banks industry, placing it in the top 84.2%.
Is Pathfinder Bancorp's 3-Year Book Growth Rate too high?
Pathfinder Bancorp's current 3-Year Book Growth Rate of 2.50% is 36% below median its 10-year median of 3.90. The Banks industry median 3-Year Book Growth Rate is 8.80. Pathfinder Bancorp's value of 2.50% is 71.6% below this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #1252 out of 1487 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Pathfinder Bancorp has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's 3-Year Book Growth Rate compare to BKSC and USMT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #1252 out of 1487 companies for 3-Year Book Growth Rate. This places Pathfinder Bancorp in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.80. Pathfinder Bancorp's value of 2.50% is 71.6% below this benchmark. While the company's 10-year median is 3.90 vs. the industry median of 8.80, Pathfinder Bancorp has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current 3-Year Book Growth Rate of 2.50% is 71.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Pathfinder Bancorp and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current 3-Year Book Growth Rate is 2.50%, which is 36% below median its own 10-year median of 3.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pathfinder Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pathfinder Bancorp (PBHC) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.55, compared to a current price of $18.02 — trading 23.8% above its estimated fair value. The current 3-Year Book Growth Rate is 2.50%, which is 36% below median its 10-year median of 3.90 and 71.6% below the Banks industry median of 8.80. Pathfinder Bancorp's overall GF Score™ is 53/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current 3-Year Book Growth Rate is 2.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Pathfinder Bancorp (PBHC) Overvalued in 2026?
Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued.
The current stock price of $18.02 is trading 23.8% above its estimated GF Value™ of $14.55.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
3-Year Book Growth Rate: 2.50% (36% below median its 10-year median of 3.90)
GF Value™: $14.55 vs. price of $18.02 (23.8% above fair value)
Industry Position: 71.6% below the Banks median (#1252 of 1487)
No single metric tells the full story. See the PBHC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
53GF Score
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