Pathfinder Bancorp, Inc.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$15.45
FAIR PRICE
$8.69
MARGIN
$6.76
P/E Ratio
N/A
Div. Yield
2.69%
ROE
-3.3%
Average
Market Cap
$92M
Small-cap
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FPI RATING
Low debt levels and attractive valuation, but volatile earnings pattern and below-average fundamental quality.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$6.95
Fair price × 0.80
DISTANCE
55.0%
Price to entry level
At the current price of $15.45, PBHC trades 55.0% above the conservative entry level of $6.95. This entry level represents a 20% margin of safety below the calculated fair price of $8.69 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate PBHC's fair price
Pathfinder Bancorp, Inc.'s fair price of $8.69 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $15.45, PBHC trades 43.8% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting PBHC's risk profile.
RELATIVE · 30%
Comparing PBHC's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for PBHC, weighted by recency and analyst accuracy.
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What is the fair price of PBHC?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Pathfinder Bancorp, Inc. is $8.69. At the current market price of $15.45, PBHC trades 43.8% above its calculated fair value.
Is PBHC overvalued or undervalued?+
Pathfinder Bancorp, Inc. is currently overvalued based on our valuation model. The stock trades at $15.45, which is 43.8% above the fair price of $8.69.
What is the margin of safety for PBHC?+
With a 20% margin of safety applied to the fair price of $8.69, the conservative entry level for PBHC is $6.95. At the current market price of $15.45, the stock trades 55.0% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is PBHC's fair price updated?+
We update fair price calculations for PBHC daily after market close. The current fair price of $8.69 incorporates the latest market data and sector multiples.
What factors affect PBHC's fair price calculation?+
PBHC's fair price of $8.69 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight)., ROE of -3.3%, and dividend yield of 2.69%.
Is PBHC a good buy right now?+
At $15.45, PBHC trades 43.8% above our fair value estimate of $8.69. The stock is currently overvalued. ROE stands at -3.3% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does PBHC pay dividends?+
PBHC has a dividend yield of 2.69%.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.