Is Pathfinder Bancorp, Inc. overvalued or undervalued?
2025-11-05 11:10:59As 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....
Read MoreIs Pathfinder Bancorp, Inc. overvalued or undervalued?
2025-11-04 11:16:57As 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...
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Pathfinder Bancorp, Inc. Experiences Valuation Adjustment Amidst Regional Banking Sector Dynamics
2025-11-03 16:05:48Pathfinder 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.
Read MoreIs Pathfinder Bancorp, Inc. overvalued or undervalued?
2025-11-03 11:16:25As 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 based on its current metrics, particularly with a P/E ratio of 33, which is significantly higher than peers such as Citizens Community Bancorp, Inc. at 13.08 and ECB Bancorp, Inc. at 28.07. Additionally, the EV to EBITDA ratio stands at 31.89, while the PEG ratio is 1.08, suggesting that the stock may not be justified at its current price. In comparison to its peers, Pathfinder's valuation metrics indicate that it is trading at a premium, with a price to book value of 0.75 and a dividend yield of 150.73%, which is unusually high. The company's recent stock performance has been underwhelming, with a year-to-date return of -14.17% compared to the S&P 500's return of 16.30%, further reinforcing the notion that the stoc...
Read MoreIs Pathfinder Bancorp, Inc. overvalued or undervalued?
2025-11-02 11:09:22As 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, all of which suggest a premium valuation compared to its peers. In comparison to peers, Citizens Community Bancorp, Inc. has a P/E of 13.08, while ECB Bancorp, Inc. has an attractive valuation with a P/E of 28.07. These comparisons highlight that Pathfinder Bancorp is trading at a significantly higher valuation relative to its industry counterparts. Additionally, the company's stock has underperformed against the S&P 500 over multiple periods, with a YTD return of -14.17% compared to the S&P 500's 16.30%, reinforcing the overvaluation narrative....
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