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Pathfinder BancorpPBHC +1.28%55 Equity-to-Asset is 0.08 as of Jun. 2026, which is at its 10-year median of 0.08. GuruFocus rates PBHC with a GF Score™ of 55/100 and a GF Value™ of $14.57 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Pathfinder Bancorp ranks worse than 66.49% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Pathfinder Bancorp's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $125.74 Mil. Pathfinder Bancorp's Total Assets for the quarter that ended in Jun. 2026 was $1,492.50 Mil.
Therefore, Pathfinder Bancorp's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.08.
The historical rank and industry rank for Pathfinder Bancorp's Equity-to-Asset or its related term are showing as below:
PBHC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.07 Med: 0.08 Max: 0.09
Current: 0.08
During the past 13 years, the highest Equity to Asset Ratio of Pathfinder Bancorp was 0.09. The lowest was 0.07. And the median was 0.08.
PBHC's Equity-to-Asset is ranked worse than 66.49% of 1525
companies
in the Banks industry
Industry Median: 0.1
vs PBHC: 0.08
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Pathfinder Bancorp Equity-to-Asset Related Terms
Pathfinder Bancorp Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Pathfinder Bancorp's Equity-to-Asset 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.
PBHC vs PTBS, ADKT, ORBN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Pathfinder Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (PBHC) has a Equity-to-Asset of 0.08 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pathfinder Bancorp and its competitors. This is near median its historical median of 0.08. Over the past decade, Pathfinder Bancorp's Equity-to-Asset has ranged from 0.07 to 0.09. According to the industry distribution chart, Pathfinder Bancorp ranks #1014 out of 1525 companies in the Banks industry, placing it in the top 66.5%.
Is Pathfinder Bancorp's Equity-to-Asset too high?
Pathfinder Bancorp's current Equity-to-Asset of 0.08 is near median its 10-year median of 0.08. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.09. The Banks industry median Equity-to-Asset is 0.10. Pathfinder Bancorp's value of 0.08 is 20% below this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #1014 out of 1525 companies in the Banks industry, which is below the industry midpoint. 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 Equity-to-Asset compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #1014 out of 1525 companies for Equity-to-Asset. This places Pathfinder Bancorp in the lower half of its industry. The industry median Equity-to-Asset is 0.10. Pathfinder Bancorp's value of 0.08 is 20% below this benchmark. Historically, Pathfinder Bancorp's own Equity-to-Asset has ranged from 0.07 to 0.09 over the past decade. While the company's 10-year median is 0.08 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current Equity-to-Asset of 0.08 is 20% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current Equity-to-Asset is 0.08, which is near median its own 10-year median of 0.08. 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 Equity-to-Asset is 0.08, which is near median its 10-year median of 0.08 and 20% below the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current Equity-to-Asset is 0.08 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:
Equity-to-Asset: 0.08 (near median its 10-year median of 0.08)
GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
Industry Position: 20% below the Banks median (#1014 of 1525)
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
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