What Is Pathfinder Bancorp, Inc. (PBHC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Pathfinder Bancorp, Inc.'s intrinsic value is estimated at $15.07, suggesting the stock is overvalued at its current price of $16.24. With 10 out of 12 models flagging downside (-7.2% average return), the market may be pricing in unsustainable growth. The most optimistic model, ML-RIV, places fair value at $65.18 (+301.3%), while Bayesian DCF — the most conservative — estimates $3.54 (-78.2%). This +379.5% gap reflects genuine analytical uncertainty about Pathfinder Bancorp, Inc.'s intrinsic worth.
What Do the Models Say About PBHC?
12 of 13 models are currently active for PBHC. Of these, 2 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates PBHC's intrinsic value at $3.54, implying -78.2% downside from the current price. See which stocks rank higher →
How Does PBHC Rank in State Commercial Banks?
Among 166 State Commercial Banks stocks, PBHC ranks #151 by Quality of Company score. CirclFi's QOC score of 6.5/10 evaluates 32 fundamental signals. A score of 6.5 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
Within the State Commercial Banks space, Pathfinder Bancorp, Inc. competes in an environment where return on tangible equity often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is PBHC a Value Trap?
CirclFi's Value Trap algorithm assigns PBHC a score of 27/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Pathfinder Bancorp, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Pathfinder Bancorp, Inc. is rated at 6.5/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.
The gap between the most bullish and bearish model spans +379.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PBHC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PBHC's 12 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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