PBHC (Pathfinder Bancorp) Moat Score: 2/10 (As of Aug. 25, 2026)

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PBHC Pathfinder Bancorp Inc PBHC
55 GF Score
Price $16.71
GF Value $14.57
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Pathfinder Bancorp Moat Score?

Pathfinder Bancorp PBHC +0.66% 55 Moat Score is 2 as of Aug. 25, 2026. GuruFocus rates PBHC with a GF Score™ of 55/100 and a GF Value™ of $14.57 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,608 Banks companies, Pathfinder Bancorp ranks better than 60.01% on this metric.

Pathfinder Bancorp has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Pathfinder Bancorp has No Moat: PBHC operates in a competitive regional banking market with limited market share and no significant competitive advantages. The company lacks strong brand loyalty, intellectual property, or cost advantages. Regulatory barriers are standard, and there is no evidence of superior distribution or pricing power.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Pathfinder Bancorp might have No Moat - Very weak/transient advantages.

Pathfinder Bancorp  (NAS:PBHC) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Pathfinder Bancorp Moat Score Related Terms

PBHC vs PTBS, ADKT, ORBN: Moat Score Comparison

For the Banks - Regional subindustry, Pathfinder Bancorp's Moat Score, along with its competitors' market caps and Moat 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Pathfinder Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Pathfinder Bancorp's Moat Score falls into.


PBHC
55GF Score
Pathfinder Bancorp Inc PBHC
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Pathfinder Bancorp (PBHC) has a Moat Score of 2 as of Aug. 25, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Pathfinder Bancorp ranks #643 out of 1608 companies in the Banks industry, placing it in the top 40%.
Is Pathfinder Bancorp's Moat Score too high?
Pathfinder Bancorp's current Moat Score is 2. Based on the distribution chart, Pathfinder Bancorp ranks #643 out of 1608 companies in the Banks industry, which is above the industry midpoint. 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 Moat Score compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #643 out of 1608 companies for Moat Score. This puts Pathfinder Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Pathfinder Bancorp's current Moat Score is 2. 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 $14.57, compared to a current price of $16.71 — trading 14.7% above its estimated fair value. The current Moat Score is 2. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current Moat Score is 2 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 (PBHC) Overvalued in 2026?

Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued. The current stock price of $16.71 is trading 14.7% above its estimated GF Value™ of $14.57. GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.

Key valuation signals for PBHC:

  • Moat Score: 2
  • GF Value™: $14.57 vs. price of $16.71 (14.7% above fair value)
  • GF Score™: 55/100 with 7 warning signs

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 Business Description

Other Exchanges 8PF:Germany
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

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.71
Price
$14.57
GF Value