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Pathfinder BancorpPBHC +1.28%55 5-Year Yield-on-Cost % is 4.10 as of Aug. 25, 2026, which is 36% above its 10-year median of 3.01. 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. Among 1,251 Banks companies, Pathfinder Bancorp ranks better than 54.04% on this metric.
Pathfinder Bancorp's yield on cost for the quarter that ended in Jun. 2026 was 4.10.
The historical rank and industry rank for Pathfinder Bancorp's 5-Year Yield-on-Cost % or its related term are showing as below:
PBHC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.16 Med: 3.01 Max: 5.34
Current: 4.1
During the past 13 years, Pathfinder Bancorp's highest Yield on Cost was 5.34. The lowest was 2.16. And the median was 3.01.
PBHC's 5-Year Yield-on-Cost % is ranked better than 54.04% of 1251
companies
in the Banks industry
Industry Median: 3.84
vs PBHC: 4.10
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Pathfinder Bancorp 5-Year Yield-on-Cost % Related Terms
PBHC vs PTBS, ADKT, ORBN: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, Pathfinder Bancorp's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Pathfinder Bancorp's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Pathfinder Bancorp's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Pathfinder Bancorp (PBHC) has a 5-Year Yield-on-Cost % of 4.10 as of Aug. 25, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pathfinder Bancorp and its competitors. This is 36% above median its historical median of 3.01. Over the past decade, Pathfinder Bancorp's 5-Year Yield-on-Cost % has ranged from 2.16 to 5.34. According to the industry distribution chart, Pathfinder Bancorp ranks #575 out of 1251 companies in the Banks industry, placing it in the top 46%.
Is Pathfinder Bancorp's 5-Year Yield-on-Cost % too high?
Pathfinder Bancorp's current 5-Year Yield-on-Cost % of 4.10 is 36% above median its 10-year median of 3.01. Over the past 10 years, this metric has ranged from a low of 2.16 to a high of 5.34. The Banks industry median 5-Year Yield-on-Cost % is 3.84. Pathfinder Bancorp's value of 4.10 is 6.8% above this industry median. Based on the distribution chart, Pathfinder Bancorp ranks #575 out of 1251 companies in the Banks industry, which is above 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 5-Year Yield-on-Cost % compare to PTBS and ADKT?
According to the Banks industry distribution chart, Pathfinder Bancorp ranks #575 out of 1251 companies for 5-Year Yield-on-Cost %. This puts Pathfinder Bancorp in the upper half of its industry. The industry median 5-Year Yield-on-Cost % is 3.84. Pathfinder Bancorp's value of 4.10 is 6.8% above this benchmark. Historically, Pathfinder Bancorp's own 5-Year Yield-on-Cost % has ranged from 2.16 to 5.34 over the past decade. While the company's 10-year median is 3.01 vs. the industry median of 3.84, Pathfinder Bancorp has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.84, based on 1,251 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Pathfinder Bancorp's current 5-Year Yield-on-Cost % of 4.10 is 6.8% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Pathfinder Bancorp and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.84 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pathfinder Bancorp's current 5-Year Yield-on-Cost % is 4.10, which is 36% above median its own 10-year median of 3.01. 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 5-Year Yield-on-Cost % is 4.10, which is 36% above median its 10-year median of 3.01 and 6.8% above the Banks industry median of 3.84. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Pathfinder Bancorp (PBHC), the current 5-Year Yield-on-Cost % is 4.10 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:
5-Year Yield-on-Cost %: 4.10 (36% above median its 10-year median of 3.01)
GF Value™: $14.57 vs. price of $16.60 (13.9% above fair value)
Industry Position: 6.8% above the Banks median (#575 of 1251)
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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