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.
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.
Pathfinder BancorpPBHC +1.28%55 OCF Yield % is 11.34 as of Aug. 25, 2026, which is 34% below its 10-year median of 17.13. 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 1,494 Banks companies, Pathfinder Bancorp ranks better than 60.31% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Pathfinder Bancorp OCF Yield % Related Terms
Pathfinder Bancorp OCF Yield % Historical Data
* Premium members only.
The historical data trend for Pathfinder Bancorp's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's OCF Yield % 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 Yield % of 11.34 as of Aug. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pathfinder Bancorp and its competitors. This is 34% below median its historical median of 17.13. Over the past decade, Pathfinder Bancorp's OCF Yield % has ranged from 6.96 to 110.73. According to the industry distribution chart, Pathfinder Bancorp ranks #593 out of 1494 companies in the Banks industry, placing it in the top 39.7%.
Is Pathfinder Bancorp's OCF Yield % too high?
Pathfinder Bancorp's current OCF Yield % of 11.34 is 34% below median its 10-year median of 17.13. Over the past 10 years, this metric has ranged from a low of 6.96 to a high of 110.73. The Banks industry median OCF Yield % is 9.20. Pathfinder Bancorp's value of 11.34 is 23.3% above this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #593 out of 1494 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 OCF Yield % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #593 out of 1494 companies for OCF Yield %. This puts Pathfinder Bancorp in the upper half of its industry. The industry median OCF Yield % is 9.20. Pathfinder Bancorp's value of 11.34 is 23.3% above this benchmark. Historically, Pathfinder Bancorp's own OCF Yield % has ranged from 6.96 to 110.73 over the past decade. While the company's 10-year median is 17.13 vs. the industry median of 9.20, Pathfinder Bancorp has consistently been above 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.20, based on 1,494 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current OCF Yield % of 11.34 is 23.3% above 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median OCF Yield % is 9.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current OCF Yield % is 11.34, which is 34% below median its own 10-year median of 17.13. 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 $16.60 — trading 13.9% above its estimated fair value. The current OCF Yield % is 11.34, which is 34% below median its 10-year median of 17.13 and 23.3% above the Banks industry median of 9.20. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current OCF Yield % is 11.34 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 $16.60 is trading 13.9% above its estimated GF Value™ of $14.57.
GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.
Key valuation signals for PBHC:
OCF Yield %: 11.34 (34% below median its 10-year median of 17.13)
GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
Industry Position: 23.3% above the Banks median (#593 of 1494)
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
Get the complete analysis for PBHC
OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PBHC has been successfully added to your 
