Is OVLY or PBHC more undervalued in 2026?

CirclFi compares Oak Valley Bancorp (CA) (OVLY) and Pathfinder Bancorp, Inc. (PBHC) using 13 institutional-grade valuation models. OVLY has a Quality of Company score of 9.1/10 while PBHC scores 6.4/10.

Which is a better buy — OVLY or PBHC?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do OVLY and PBHC valuations compare?

OVLY at $32.90 and PBHC at $13.61 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

OVLY vs PBHC Valuation Comparison 2026 — Intrinsic Value Analysis

OVLY

Banks - Regional

Oak Valley Bancorp (CA)

Quality

9.1

out of 10

Value Trap

—

Price

$32.90

Last close

Models

11/13

Active

PBHC

Banks - Regional

Pathfinder Bancorp, Inc.

Quality

6.4

out of 10

Value Trap

LOW

Price

$13.61

Last close

Models

11/13

Active

Model-by-Model Comparison

Model	Type	OVLY Fair Value	OVLY Upside	PBHC Fair Value	PBHC Upside
Bayesian DCF	Intrinsic	$37.74	+14.7%	$3.76	-72.4%
Earnings Power Value	Intrinsic	$51.28	+55.9%	$5.28	-61.2%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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OVLY vs PBHC — Which Stock Is More Undervalued?

OVLY scores higher with a 9.1/10 quality rating vs PBHC's 6.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Oak Valley Bancorp (CA) (OVLY) and Pathfinder Bancorp, Inc. (PBHC) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

OVLY currently trades at $32.90 with a QOC of 9.1/10, while PBHC trades at $13.61 with a QOC of 6.4/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).