Pathfinder BancorpPBHC -0.43%55 EV-to-FCF is 27.99 as of Jun. 24, 2026, which is 58% above its 10-year median of 17.71. GuruFocus rates PBHC with a GF Score™ of 55/100 and a GF Value™ of $13.66 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,191 Banks companies, Pathfinder Bancorp ranks worse than 88.33% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Pathfinder Bancorp's Enterprise Value is $136.24 Mil.
Pathfinder Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $4.87 Mil. Therefore, Pathfinder Bancorp's EV-to-FCF for today is 27.99.
The historical rank and industry rank for Pathfinder Bancorp's EV-to-FCF or its related term are showing as below:
PBHC'
s EV-to-FCF Range Over the Past 10 Years
Min: -2099.91 Med: 17.71 Max: 1143.6
Current: 27.99
During the past 13 years, the highest EV-to-FCF of Pathfinder Bancorp was 1143.60. The lowest was -2099.91. And the median was 17.71.
PBHC's EV-to-FCF is ranked worse than 88.33% of 1191
companies
in the Banks industry
Industry Median: 6.56
vs PBHC: 27.99
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Pathfinder Bancorp's PE Ratio (TTM) for today is calculated as:
Pathfinder Bancorp's share price for today is $16.03.
Pathfinder Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.640.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Pathfinder Bancorp EV-to-FCF Related Terms
Pathfinder Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Pathfinder Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Pathfinder Bancorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's EV-to-FCF falls into.
Pathfinder Bancorp's current Enterprise Value is $136.24 Mil.
Pathfinder Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.87 Mil.
* 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 EV-to-FCF of 27.99 as of Jun. 24, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pathfinder Bancorp and its competitors. This is 58% above median its historical median of 17.71. According to the industry distribution chart, Pathfinder Bancorp ranks #1052 out of 1191 companies in the Banks industry, placing it in the top 88.3%.
Is Pathfinder Bancorp's EV-to-FCF too high?
Pathfinder Bancorp's current EV-to-FCF of 27.99 is 58% above median its 10-year median of 17.71. The Banks industry median EV-to-FCF is 6.56. Pathfinder Bancorp's value of 27.99 is 326.7% above this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #1052 out of 1191 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to PBKC and BKSC?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #1052 out of 1191 companies for EV-to-FCF. This places Pathfinder Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Pathfinder Bancorp's value of 27.99 is 326.7% above this benchmark. While the company's 10-year median is 17.71 vs. the industry median of 6.56, Pathfinder Bancorp has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,191 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current EV-to-FCF of 27.99 is 326.7% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current EV-to-FCF is 27.99, which is 58% above median its own 10-year median of 17.71. 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 $13.66, compared to a current price of $16.03 — trading 17.3% above its estimated fair value. The current EV-to-FCF is 27.99, which is 58% above median its 10-year median of 17.71 and 326.7% above the Banks industry median of 6.56. Pathfinder Bancorp's overall GF Score™ is 55/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current EV-to-FCF is 27.99 as of Jun. 24, 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 $16.03 is trading 17.3% above its estimated GF Value™ of $13.66.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
EV-to-FCF: 27.99 (58% above median its 10-year median of 17.71)
GF Value™: $13.66 vs. price of $16.03 (17.3% above fair value)
Industry Position: 326.7% above the Banks median (#1052 of 1191)
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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