Pathfinder Bancorp (FRA:8PF) Margin of Safety % (DCF Dividends Based): N/A (As of Aug. 25, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:8PF Pathfinder Bancorp Inc FRA:8PF
55 GF Score
Price €12.70
GF Value €11.15
! 7 Warning Signs
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What is Pathfinder Bancorp Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

Pathfinder Bancorp's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

FRA:8PF vs PTBS, ADKT, ORBN: Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Pathfinder Bancorp's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's Margin of Safety % (DCF Dividends Based) falls into.


FRA:8PF
55GF Score
Pathfinder Bancorp Inc FRA:8PF
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
  • GF Score™: 55/100 with 7 warning signs

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 Business Description

Other Exchanges PBHC:USA
Address 214 West First Street, Oswego, NY, USA, 13126
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

Get the complete analysis for FRA:8PF

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.70
Price
€11.15
GF Value