PBHC (Pathfinder Bancorp) Growth Rank: 1 (As of Aug. 25, 2026) — 80% Below Median

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PBHC Pathfinder Bancorp Inc PBHC
55 GF Score
Price $16.60
GF Value $14.57
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Pathfinder Bancorp Growth Rank?

Pathfinder Bancorp PBHC +1.28% 55 Growth Rank is 1 as of Aug. 25, 2026, which is 80% below its 10-year median of 5.00. 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.

Pathfinder Bancorp has the Growth Rank of 1.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Pathfinder Bancorp Growth Rank Related Terms

PBHC vs PTBS, ADKT, ORBN: Growth Rank Comparison

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

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

* The bar in red indicates where Pathfinder Bancorp's Growth Rank falls into.


PBHC
55GF Score
Pathfinder Bancorp Inc PBHC
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 1 mean?
Pathfinder Bancorp (PBHC) has a Growth Rank of 1 as of Aug. 25, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Pathfinder Bancorp and its competitors. This is 80% below median its historical median of 5.00. Over the past decade, Pathfinder Bancorp's Growth Rank has ranged from 1.00 to 10.00.
Is Pathfinder Bancorp's Growth Rank too high?
Pathfinder Bancorp's current Growth Rank of 1 is 80% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. 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 Growth Rank compare to PTBS and ADKT?
Pathfinder Bancorp's Growth Rank of 1 can be compared against companies in the Banks industry. Historically, Pathfinder Bancorp's own Growth Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Pathfinder Bancorp and its competitors. Pathfinder Bancorp's current Growth Rank is 1, which is 80% below median its own 10-year median of 5.00. 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 Growth Rank is 1, which is 80% below median its 10-year median of 5.00. 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 Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current Growth Rank is 1 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:

  • Growth Rank: 1 (80% below median its 10-year median of 5.00)
  • GF Value™: $14.57 vs. price of $16.60 (13.9% 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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Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.60
Price
$14.57
GF Value