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12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-08-25), Pathfinder Bancorp's 12-1 Month Momentum % is 8.18%.
The industry rank for Pathfinder Bancorp's 12-1 Month Momentum % or its related term are showing as below:
PBHC's 12-1 Month Momentum % is ranked worse than 62.04% of 1591
companies
in the Banks industry
Industry Median: 17.26
vs PBHC: 8.18
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Pathfinder Bancorp 12-1 Month Momentum % Related Terms
PBHC vs PTBS, ADKT, ORBN: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % 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 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's 12-1 Month Momentum % 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 12-1 Month Momentum % of 8.18% as of Aug. 25, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pathfinder Bancorp and its competitors. According to the industry distribution chart, Pathfinder Bancorp ranks #987 out of 1591 companies in the Banks industry, placing it in the top 62%.
Is Pathfinder Bancorp's 12-1 Month Momentum % too high?
Pathfinder Bancorp's current 12-1 Month Momentum % is 8.18%. The Banks industry median 12-1 Month Momentum % is 17.26. Pathfinder Bancorp's value of 8.18% is 52.6% below this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #987 out of 1591 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 12-1 Month Momentum % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #987 out of 1591 companies for 12-1 Month Momentum %. This places Pathfinder Bancorp in the lower half of its industry. The industry median 12-1 Month Momentum % is 17.26. Pathfinder Bancorp's value of 8.18% is 52.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 17.26, based on 1,591 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current 12-1 Month Momentum % of 8.18% is 52.6% 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 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 17.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current 12-1 Month Momentum % is 8.18%. 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 12-1 Month Momentum % is 8.18% and 52.6% below the Banks industry median of 17.26. 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 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current 12-1 Month Momentum % is 8.18% 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:
12-1 Month Momentum %: 8.18%
GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
Industry Position: 52.6% below the Banks median (#987 of 1591)
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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