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Pathfinder BancorpPBHC +0.30%55 OCF Margin % is 19.91% as of Jun. 2026, which is 31% below its 10-year median of 28.66. 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 1,495 Banks companies, Pathfinder Bancorp ranks worse than 59.67% on this metric.
The historical data trend for Pathfinder Bancorp's OCF Margin % 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.
For the Banks - Regional subindustry, Pathfinder Bancorp's OCF Margin %, along with its competitors' market caps and OCF Margin % 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's OCF Margin % 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 (PBHC) has a OCF Margin % of 19.91% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pathfinder Bancorp and its competitors. This is 31% below median its historical median of 28.66. Over the past decade, Pathfinder Bancorp's OCF Margin % has ranged from 24.31 to 124.54. According to the industry distribution chart, Pathfinder Bancorp ranks #892 out of 1495 companies in the Banks industry, placing it in the top 59.7%.
Is Pathfinder Bancorp's OCF Margin % too high?
Pathfinder Bancorp's current OCF Margin % of 19.91% is 31% below median its 10-year median of 28.66. Over the past 10 years, this metric has ranged from a low of 24.31 to a high of 124.54. The Banks industry median OCF Margin % is 30.39. Pathfinder Bancorp's value of 19.91% is 34.5% below this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #892 out of 1495 companies in the Banks industry, which is below 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 OCF Margin % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #892 out of 1495 companies for OCF Margin %. This places Pathfinder Bancorp in the lower half of its industry. The industry median OCF Margin % is 30.39. Pathfinder Bancorp's value of 19.91% is 34.5% below this benchmark. Historically, Pathfinder Bancorp's own OCF Margin % has ranged from 24.31 to 124.54 over the past decade. While the company's 10-year median is 28.66 vs. the industry median of 30.39, Pathfinder Bancorp has consistently been below 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.39, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current OCF Margin % of 19.91% is 34.5% below 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median OCF Margin % is 30.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current OCF Margin % is 19.91%, which is 31% below median its own 10-year median of 28.66. 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 $16.65 — trading 14.3% above its estimated fair value. The current OCF Margin % is 19.91%, which is 31% below median its 10-year median of 28.66 and 34.5% below the Banks industry median of 30.39. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current OCF Margin % is 19.91% as of Jun. 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 $16.65 is trading 14.3% above its estimated GF Value™ of $14.57.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
OCF Margin %: 19.91% (31% below median its 10-year median of 28.66)
GF Value™: $14.57 vs. price of $16.65 (14.3% above fair value)
Industry Position: 34.5% below the Banks median (#892 of 1495)
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 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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