Pathfinder Bancorp (Pathfinder Bancorp) GF Value : $17.19 (As of Apr. 26, 2024)

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What is Pathfinder Bancorp GF Value?

The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-26), Pathfinder Bancorp's share price is $12.63. Pathfinder Bancorp's GF Value is $17.19. Therefore, Pathfinder Bancorp's Price-to-GF-Value for today is 0.73.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Pathfinder Bancorp is Modestly Undervalued.

Pathfinder Bancorp (NAS:PBHC) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Pathfinder Bancorp's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	12.63	/	17.19
	=	0.73

* 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 GF Value Related Terms

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Pathfinder Bancorp (Pathfinder Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Pathfinder Bancorp Inc (NAS:PBHC) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

214 West First Street, Oswego, NY, USA, 13126

Website

https://www.pathfinderbank.com

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.

Executives

Walter Rusnak	officer: Vice President Finance	214 WEST FIRST STREET, OSWEGO NY 13126
George P Joyce	director	214 WEST FIRST STREET, OSWEGO NY 13126
Calvin Corriders	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
James A. Dowd	officer: SVP and CFO	214 WEST FIRST STREET, OSWEGO NY 13126
Meghan Crawford-hamlin	director	214 WEST FIRST STREET, OSWEGO NY 13126
Eric Allyn	director	214 WEST FIRST STREET, OSWEGO NY 13126
Adam C. Gagas	director	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald Tascarella	officer: SVP and CCO
Rebecca Braheney	officer: Controller, VP	214 WEST FIRST STREET, OSWEGO NY 13126
Ronald G. Tascarella	officer: 1st Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
John Funiciello	director	214 WEST FIRST STREET, OSWEGO NY 13126
Thomas W Schneider	director, officer: President and CEO	214 WEST FIRST STREET, OSWEGO NY 13126
Daniel R Phillips	officer: SVP	214 WEST FIRST STREET, OSWEGO NY 13126
Butkowski Robert G. Jr.	officer: First Vice President	214 WEST FIRST STREET, OSWEGO NY 13126
Sharkey John F. Iii	director	214 WEST FIRST STREET, OSWEGO NY 13126