Stock fact sheet · data as of
Pathfinder Bancorp, Inc. (PBHC): fair value, margin of safety and Wheel Score
Ticker symbol PBHC · Financial Services · Banks - Regional · United States · Value
Is PBHC undervalued?
PBHC closed at 16.76 on 5 Nov 2026, 10% below the GLS average fair value of 18.70 from 9 models (2 of them above the price). That is a moderate margin of safety: the stock passes the "below fair value" Wheel Trade Filter, with room for a bigger discount on the Value part.
There is a wide gap between GLS Growth (0.0612) and DCF (110.13). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, PBHC is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 68, growth score 15, out of 100).
Nine valuation models for PBHC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 110.13 | +557% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 3.39 | -80% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 0.3375 | -98% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 0.0837 | -100% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 0.0612 | -100% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 47.20 | +182% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 1.00 | -94% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 5.89 | -65% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 0.2324 | -99% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -22.66 | -235% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Pathfinder Bancorp, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 3.3/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -1.5%, ROE -2.8%, ROA -0.2% - with debt at 0.89 times equity and a free-cash-flow yield of 11.8%.
The dividend yield is 2.39% at a payout ratio of 2453%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Banking 33%, Deposit Account 14%, Insufficient Funds Fees Deposit Account 8% (quarter Q2 FY2026).
Institutional ownership scores 2/10, insider activity 10/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | -1.5% |
|---|---|---|---|
| GLS Moat | 3.3 / 10 | ROE | -2.8% |
| Debt / equity | 0.89 | ROA | -0.2% |
| Free-cash-flow yield | 11.8% | Payout ratio | 2453% |
| Institutions | 2 / 10 | Insiders · Congress | 10 · 5 / 10 |
Wheel Score 23: No options
No options are listed on Pathfinder Bancorp, Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 23, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $105M, with a beta of 0.12 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $105M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 10% below fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 3.3/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.12, $105M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for PBHC in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Pathfinder Bancorp, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BYLB Boyle Bancorp, Inc. | 123.00 | 303.29 | +59% | 34No options | $106M |
| CITZ Citizens Bancshares Corp. | 50.35 | 126.53 | +60% | 31No options | $105M |
| PNBK Patriot National Bancorp, Inc. | 0.8940 | 2.10 | +57% | 26No options | $106M |
| SEBC Southeastern Banking Corporation | 32.75 | 42.52 | +23% | 29No options | $104M |
| STBK Studio Bank | 14.50 | 14.77 | +2% | 16No options | $104M |
| CNBB CNB Community Bancorp, Inc. | 51.40 | 67.57 | +24% | 29No options | $104M |
| JBTC JBT Bancorp Inc. | 42.60 | 88.46 | +52% | 32No options | $104M |
| BYFC Broadway Financial Corp. | 11.62 | 10.12 | -15% | 17No options | $108M |
| BNCC BNCCORP, Inc. | 30.75 | 55.08 | +44% | 33No options | $108M |
| CYVF Crystal Valley Financial Corporation | 80.80 | 138.56 | +42% | 37No options | $101M |
| BCTF Bancorp 34, Inc. | 16.05 | 16.86 | +5% | 15No options | $109M |
| BKSC Bank of South Carolina Corporation | 20.51 | 37.80 | +46% | 37No options | $110M |
⚖ Compare PBHC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PBHC
Is PBHC undervalued right now?
By the GLS models, moderately: at 16.76 the stock trades 10% below the average fair value of 18.70 (data as of 5 Nov 2026).
What is the Wheel Score of PBHC and what does it mean?
PBHC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PBHC?
18.70 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Pathfinder Bancorp, Inc. report earnings next?
No upcoming earnings date is recorded for PBHC in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does PBHC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PBHC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.