Pathfinder Bancorp (FRA:8PF) ROC (Joel Greenblatt) %: % (As of Jun. 2026)

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FRA:8PF Pathfinder Bancorp Inc FRA:8PF
55 GF Score
Price €12.70
GF Value €11.15
! 7 Warning Signs
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What is Pathfinder Bancorp ROC (Joel Greenblatt) %?

Pathfinder Bancorp FRA:8PF 55 ROC (Joel Greenblatt) % is % as of Jun. 2026. 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 47 Banks companies, Pathfinder Bancorp ranks worse than 2127657.45% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:8PF
55GF Score
Pathfinder Bancorp Inc FRA:8PF
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Pathfinder Bancorp (FRA:8PF) has a ROC (Joel Greenblatt) % of % as of Jun. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pathfinder Bancorp and its competitors. According to the industry distribution chart, Pathfinder Bancorp ranks #999999 out of 47 companies in the Banks industry.
Is Pathfinder Bancorp's ROC (Joel Greenblatt) % too high?
Pathfinder Bancorp's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Pathfinder Bancorp ranks #999999 out of 47 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #999999 out of 47 companies for ROC (Joel Greenblatt) %. This places Pathfinder Bancorp in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 50.71. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 50.71, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 50.71 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % of %. 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 ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Pathfinder Bancorp (FRA:8PF), the current ROC (Joel Greenblatt) % is % 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 (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:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €11.15 vs. price of €12.70 (13.9% above fair value)
  • GF Score™: 55/100 with 7 warning signs

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 Business Description

Other Exchanges PBHC:USA
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

Get the complete analysis for FRA:8PF

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€12.70
Price
€11.15
GF Value