Is PBHC or PFIS more undervalued in 2026?

CirclFi compares Pathfinder Bancorp, Inc. (PBHC) and Peoples Financial Services Corp (PFIS) using 13 institutional-grade valuation models. PBHC has a Quality of Company score of 6.4/10 while PFIS scores 7.1/10.

Which is a better buy — PBHC or PFIS?

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 PBHC and PFIS valuations compare?

PBHC at $13.61 and PFIS at $60.03 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

PBHC vs PFIS Valuation Comparison 2026 — Intrinsic Value Analysis

PBHC

Banks - Regional

Pathfinder Bancorp, Inc.

Quality

6.4

out of 10

Value Trap

LOW

Price

$13.61

Last close

Models

11/13

Active

PFIS

Banks - Regional

Peoples Financial Services Corp

Quality

7.1

out of 10

Value Trap

SAFE

Price

$60.03

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	PBHC Fair Value	PBHC Upside	PFIS Fair Value	PFIS Upside
Bayesian DCF	Intrinsic	$3.76	-72.4%	$22.17	-63.1%
Earnings Power Value	Intrinsic	$5.28	-61.2%	$64.20	+7.0%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Dynamic NAV	Asset-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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PBHC vs PFIS — Which Stock Is More Undervalued?

PFIS scores higher with a 7.1/10 quality rating vs PBHC's 6.4/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Pathfinder Bancorp, Inc. (PBHC) and Peoples Financial Services Corp (PFIS) 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.

PBHC currently trades at $13.61 with a QOC of 6.4/10, while PFIS trades at $60.03 with a QOC of 7.1/10.

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).