Pathfinder Bancorp (PBHC) Fundamental Analysis: Revenue, Earnings & Valuation

6.45 / 10

Outperform

Fundamental analysis rates PBHC at 6.45/10 (Outperform). Key drivers include strong PB‑ROE (1.27), high Profit‑MV (0.66) and robust cash‑MV (0.02). Asset‑MV is modestly negative, yet overall balance sheet ratios and a 36.9% gross margin support the positive outlook.

Analysis Checks(10/10)

Gross profit margin (%)

Value36.92

Score3/3

Weight6.25%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value49.61

Score3/3

Weight6.25%

1M Return3.70%

Profit-MV

Value0.66

Score3/3

Weight14.74%

1M Return7.25%

Net income-Revenue

Value-0.04

Score3/3

Weight13.58%

1M Return6.99%

PB-ROE

Value1.27

Score2/3

Weight12.03%

1M Return6.52%

Non-current liabilities / Total liabilities (%)

Value53.26

Score3/3

Weight6.25%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.25%

1M Return3.70%

Cash-UP

Value-0.15

Score2/3

Weight7.53%

1M Return4.32%

Asset-MV

Value-0.55

Score2/3

Weight14.05%

1M Return6.73%

Cash-MV

Value0.02

Score3/3

Weight13.08%

1M Return6.88%

Is PBHC undervalued or overvalued?

PBHC scores 6.45/10 on fundamentals and holds a Discounted valuation at present. Backed by its 2.23% ROE, 17.68% net margin, 45.69 P/E ratio, 0.62 P/B ratio, and 278.13% earnings growth, these metrics solidify its Outperform investment rating.