Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Capital Adequacy Tier - Leverage Ratio % measures a bank's capital relative to its total assets. This ratio is a measure of a bank's financial health and suggests how leveraged a bank is based on its assets. A higher ratio indicates stronger financial footing.
Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % for the quarter that ended in Jun. 2026 was 9.64%
, which is lower than
9.79% for the pervious quarter ended in Mar. 2026.
Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % for the annual that ended in Dec. 2025 was 9.41%
, which is lower than
9.67% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % or its related term are showing as below:
PBHC's Capital Adequacy Tier - Leverage Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Capital Adequacy Tier - Leverage Ratio % only.
Pathfinder Bancorp (NAS:PBHC) Capital Adequacy Tier - Leverage Ratio % Explanation
Capital Adequacy Tier - Leverage Ratio % measures a bank's capital relative to its total assets. In this situation, total assets means a bank's total exposures, which include its consolidated assets, derivative exposure and certain off-balance sheet exposures.
The leverage ratio is used by regulators to ensure the capital adequacy of banks and to limit the degree to which banks can leverage its capital base. The higher the leverage ratio is, the more likely a bank can withstand negative shocks to its balance sheet.
Pathfinder Bancorp Capital Adequacy Tier - Leverage Ratio % Related Terms
Pathfinder Bancorp Capital Adequacy Tier - Leverage Ratio % Historical Data
* Premium members only.
The historical data trend for Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Pathfinder Bancorp Capital Adequacy Tier - Leverage Ratio % Chart
PBHC vs PTBS, ADKT, ORBN: Capital Adequacy Tier - Leverage Ratio % Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Leverage Ratio % 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 (NAS:PBHC) Capital Adequacy Tier - Leverage Ratio % Calculation
Capital Adequacy Tier - Leverage Ratio % is calculated as
Capital Adequacy Tier - Leverage Ratio %
=
Capital
/
Total Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Frequently Asked Questions
What does a Capital Adequacy Tier - Leverage Ratio % of 9.64% mean?
Pathfinder Bancorp (PBHC) has a Capital Adequacy Tier - Leverage Ratio % of 9.64% as of Jun. 2026. Capital Adequacy Tier - Leverage Ratio measures a bank's capital relative to its total assets. View historical data on Pathfinder Bancorp and its competitors.
Is Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % too high?
Pathfinder Bancorp's current Capital Adequacy Tier - Leverage Ratio % is 9.64%. Overall, Pathfinder Bancorp has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % compare to PTBS and ADKT?
Pathfinder Bancorp's Capital Adequacy Tier - Leverage Ratio % of 9.64% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capital Adequacy Tier - Leverage Ratio % for a Banks company?
A good Capital Adequacy Tier - Leverage Ratio % depends on the Banks industry context. However, Capital Adequacy Tier - Leverage Ratio % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capital Adequacy Tier - Leverage Ratio % mean?
A high Capital Adequacy Tier - Leverage Ratio % can signal that a stock is expensive relative to its fundamentals. Capital Adequacy Tier - Leverage Ratio measures a bank's capital relative to its total assets. View historical data on Pathfinder Bancorp and its competitors. Pathfinder Bancorp's current Capital Adequacy Tier - Leverage Ratio % is 9.64%. 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 $14.57, compared to a current price of $16.60 — trading 13.9% above its estimated fair value. The current Capital Adequacy Tier - Leverage Ratio % is 9.64%. Pathfinder Bancorp's overall GF Score™ is 55/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capital Adequacy Tier - Leverage Ratio % calculated?
Capital Adequacy Tier - Leverage Ratio % is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current Capital Adequacy Tier - Leverage Ratio % is 9.64% 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 $16.60 is trading 13.9% above its estimated GF Value™ of $14.57.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
Capital Adequacy Tier - Leverage Ratio %: 9.64%
GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
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.
55GF Score
Get the complete analysis for PBHC
Capital Adequacy Tier - Leverage Ratio % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBHC has been successfully added to your 
