As of 31 October 2025, the valuation grade for Pathfinder Bancorp, Inc. has moved from very attractive to attractive. The company appears to be overvalued based on its current metrics. Key ratios include a P/E ratio of 33, a price-to-book value of 0.75, and an EV to EBITDA of 31.89. In comparison, Citizens Community Bancorp, Inc. has a P/E ratio of 13.08, indicating a significant valuation disparity. Despite a high dividend yield of 150.73%, the company's return on equity (ROE) stands at only 2.27%, which raises concerns about its profitability relative to its valuation. Furthermore, Pathfinder Bancorp's stock has underperformed against the S&P 500 across multiple periods, with a year-to-date return of -14.40% compared to the S&P 500's 16.30%. This trend reinforces the notion that the stock may be overvalued in its current state....

As of 31 October 2025, the valuation grade for Pathfinder Bancorp, Inc. has moved from very attractive to attractive, indicating a shift in perceived value. The company appears to be overvalued, given its P/E ratio of 33, which is significantly higher than peers like Citizens Community Bancorp, Inc. at 13.08 and ECB Bancorp, Inc. at 28.07. Additionally, Pathfinder's Price to Book Value stands at 0.75, while its EV to EBITDA is 31.89, suggesting that the market may be pricing in excessive growth expectations relative to its actual performance. Comparing Pathfinder to its peers, it is clear that its valuation metrics are less favorable, particularly when considering the PEG ratio of 1.08, which, while not alarming, does not justify the high P/E ratio. The company's recent performance has not been disclosed, but without a positive return narrative against the S&P 500, the overvaluation is further substantiate...

Pathfinder Bancorp, Inc. has recently adjusted its valuation, with its stock price at $15.02. Over the past year, it has seen a decline in stock return compared to the S&P 500. Key metrics include a P/E ratio of 33 and a high dividend yield, indicating its competitive position in the regional banking sector.