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Pathfinder Bancorp has the GF Score of 55, which implies that the company
might have
Poor future performance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Pathfinder Bancorp
might have
Poor future performance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Pathfinder Bancorp GF Score Related Terms
FRA:8PF vs PTBS, ADKT, ORBN: GF Score Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's GF Score distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's GF Score falls into.
Pathfinder Bancorp (FRA:8PF) has a GF Score of 55 as of Aug. 25, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Pathfinder Bancorp and its competitors. This is near median its historical median of 59.00. Over the past decade, Pathfinder Bancorp's GF Score has ranged from 15.00 to 64.00.
Is Pathfinder Bancorp's GF Score too high?
Pathfinder Bancorp's current GF Score of 55 is near median its 10-year median of 59.00. Over the past 10 years, this metric has ranged from a low of 15.00 to a high of 64.00. 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 GF Score compare to PTBS and ADKT?
Pathfinder Bancorp's GF Score of 55 can be compared against companies in the Banks industry. Historically, Pathfinder Bancorp's own GF Score has ranged from 15.00 to 64.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Banks company?
A good GF Score depends on the Banks industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Pathfinder Bancorp and its competitors. Pathfinder Bancorp's current GF Score is 55, which is near median its own 10-year median of 59.00. 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 GF Score of 55. 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 GF Score is 55, which is near median its 10-year median of 59.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For Pathfinder Bancorp (FRA:8PF), the current GF Score is 55 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:
GF Score: 55 (near median its 10-year median of 59.00)
GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
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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