PBHC (Pathfinder Bancorp) ROIC %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

PBHC Pathfinder Bancorp Inc PBHC
55 GF Score
Price $16.71
GF Value $14.57
Valuation Modestly Overvalued
! 7 Warning Signs
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What is Pathfinder Bancorp ROIC %?

ROIC % does not apply to banks.

PBHC
55GF Score
Pathfinder Bancorp Inc PBHC
ROIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Pathfinder Bancorp (PBHC) Overvalued in 2026?

Based on GuruFocus' analysis, Pathfinder Bancorp stock appears to be overvalued. The current stock price of $16.71 is trading 14.7% above its estimated GF Value™ of $14.57. GuruFocus considers Pathfinder Bancorp to be Modestly Overvalued.

Key valuation signals for PBHC:

  • ROIC %:
  • GF Value™: $14.57 vs. price of $16.71 (14.7% 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

Get the complete analysis for PBHC

ROIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.71
Price
$14.57
GF Value