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Pathfinder BancorpFRA:8PF 55 FCF Yield % is 10.56 as of Aug. 25, 2026, which is 21% below its 10-year median of 13.42. GuruFocus rates FRA:8PF with a GF Score™ of 55/100 and a GF Value™ of €11.15. The stock has 7 warning signs investors should review. Among 1,498 Banks companies, Pathfinder Bancorp ranks better than 62.35% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Pathfinder Bancorp FCF Yield % Related Terms
Pathfinder Bancorp FCF Yield % Historical Data
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The historical data trend for Pathfinder Bancorp's FCF Yield % 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.
FRA:8PF vs PTBS, ADKT, ORBN: FCF Yield % Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's FCF Yield % falls into.
* 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 (FRA:8PF) has a FCF Yield % of 10.56 as of Aug. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pathfinder Bancorp and its competitors. This is 21% below median its historical median of 13.42. According to the industry distribution chart, Pathfinder Bancorp ranks #564 out of 1498 companies in the Banks industry, placing it in the top 37.7%.
Is Pathfinder Bancorp's FCF Yield % too high?
Pathfinder Bancorp's current FCF Yield % of 10.56 is 21% below median its 10-year median of 13.42. The Banks industry median FCF Yield % is 8.15. Pathfinder Bancorp's value of 10.56 is 29.7% above this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #564 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, Pathfinder Bancorp has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's FCF Yield % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #564 out of 1498 companies for FCF Yield %. This puts Pathfinder Bancorp in the upper half of its industry. The industry median FCF Yield % is 8.15. Pathfinder Bancorp's value of 10.56 is 29.7% above this benchmark. While the company's 10-year median is 13.42 vs. the industry median of 8.15, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current FCF Yield % of 10.56 is 29.7% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current FCF Yield % is 10.56, which is 21% below median its own 10-year median of 13.42. 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?
Pathfinder Bancorp (FRA:8PF) has a current FCF Yield % of 10.56. The stock's GF Value™ is €11.15, compared to a current price of €12.70 — trading 13.9% above its estimated fair value. The current FCF Yield % is 10.56, which is 21% below median its 10-year median of 13.42 and 29.7% above the Banks industry median of 8.15. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Pathfinder Bancorp (FRA:8PF), the current FCF Yield % is 10.56 as of Aug. 25, 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 (FRA:8PF) Overvalued in 2026?
Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued.
The current stock price of €12.70 is trading 13.9% above its estimated GF Value™ of €11.15.
Key valuation signals for FRA:8PF:
FCF Yield %: 10.56 (21% below median its 10-year median of 13.42)
GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
Industry Position: 29.7% above the Banks median (#564 of 1498)
No single metric tells the full story. See the FRA:8PF 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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