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Pathfinder BancorpFRA:8PF 55 PB Ratio is 0.73 as of Aug. 25, 2026, which is 14% below its 10-year median of 0.85. GuruFocus rates FRA:8PF with a GF Score™ of 55/100 and a GF Value™ of €11.15. The stock has 7 warning signs investors should review. Among 1,512 Banks companies, Pathfinder Bancorp ranks better than 72.95% on this metric.
Pathfinder Bancorp Inc stock PB Ratio (=0.83) is close to 1-year high of 0.85.
The historical rank and industry rank for Pathfinder Bancorp's PB Ratio or its related term are showing as below:
FRA:8PF'
s PB Ratio Range Over the Past 10 Years
Min: 0.48 Med: 0.85 Max: 1.22
Current: 0.83
During the past 13 years, Pathfinder Bancorp's highest PB Ratio was 1.22. The lowest was 0.48. And the median was 0.85.
FRA:8PF's PB Ratio is ranked better than 72.95% of 1512
companies
in the Banks industry
Industry Median: 1.12
vs FRA:8PF: 0.83
During the past 12 months, Pathfinder Bancorp's average Book Value Per Share Growth Rate was -0.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -0.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 4.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Pathfinder Bancorp was 30.60% per year. The lowest was -3.10% per year. And the median was 3.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Pathfinder Bancorp PB Ratio Related Terms
Pathfinder Bancorp PB Ratio Historical Data
* Premium members only.
The historical data trend for Pathfinder Bancorp's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Pathfinder Bancorp (FRA:8PF) has a PB Ratio of 0.73 as of Aug. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pathfinder Bancorp and its competitors. This is 14% below median its historical median of 0.85. Over the past decade, Pathfinder Bancorp's PB Ratio has ranged from 0.48 to 1.22. According to the industry distribution chart, Pathfinder Bancorp ranks #409 out of 1512 companies in the Banks industry, placing it in the top 27.1%.
Is Pathfinder Bancorp's PB Ratio too high?
Pathfinder Bancorp's current PB Ratio of 0.73 is 14% below median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.48 to a high of 1.22. The Banks industry median PB Ratio is 1.12. Pathfinder Bancorp's value of 0.73 is 34.8% below this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #409 out of 1512 companies in the Banks industry, which is above the industry midpoint. Overall, Pathfinder Bancorp has a GF Score™ of 55/100, reflecting its overall financial health beyond just this single metric.
How does Pathfinder Bancorp's PB Ratio compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #409 out of 1512 companies for PB Ratio. This puts Pathfinder Bancorp in the upper half of its industry. The industry median PB Ratio is 1.12. Pathfinder Bancorp's value of 0.73 is 34.8% below this benchmark. Historically, Pathfinder Bancorp's own PB Ratio has ranged from 0.48 to 1.22 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.12, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.12, based on 1,512 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current PB Ratio of 0.73 is 34.8% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current PB Ratio is 0.73, which is 14% below median its own 10-year median of 0.85. 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?
Pathfinder Bancorp (FRA:8PF) has a current PB Ratio of 0.73. The stock's GF Value™ is €11.15, compared to a current price of €12.70 — trading 13.9% above its estimated fair value. The current PB Ratio is 0.73, which is 14% below median its 10-year median of 0.85 and 34.8% below the Banks industry median of 1.12. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Pathfinder Bancorp (FRA:8PF), the current PB Ratio is 0.73 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 (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:
PB Ratio: 0.73 (14% below median its 10-year median of 0.85)
GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
Industry Position: 34.8% below the Banks median (#409 of 1512)
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 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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