We’ve recently updated our valuation analysis.

Pathfinder Bancorp Valuation

Is PBHC undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score


Valuation Score 1/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • Analyst Forecast

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PBHC?

Other financial metrics that can be useful for relative valuation.

PBHC key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Earnings Ratio vs Peers

How does PBHC's PE Ratio compare to its peers?

PBHC PE Ratio vs Peers
The above table shows the PE ratio for PBHC vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average9.5x
EFSI Eagle Financial Services
SABK South Atlantic Bancshares
LARK Landmark Bancorp
CZWI Citizens Community Bancorp
PBHC Pathfinder Bancorp

Price-To-Earnings vs Peers: PBHC is expensive based on its Price-To-Earnings Ratio (12x) compared to the peer average (9.5x).

Price to Earnings Ratio vs Industry

How does PBHC's PE Ratio compare vs other companies in the US Banks Industry?

Price-To-Earnings vs Industry: PBHC is expensive based on its Price-To-Earnings Ratio (12x) compared to the US Banks industry average (9.4x)

Price to Earnings Ratio vs Fair Ratio

What is PBHC's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PBHC PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PBHC's Price-To-Earnings Fair Ratio for valuation analysis.

Share Price vs Fair Value

What is the Fair Price of PBHC when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: PBHC ($20.34) is trading below our estimate of fair value ($24.68)

Significantly Below Fair Value: PBHC is trading below fair value, but not by a significant amount.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.

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