Pathfinder Bancorp Inc (MARYLAND) (PBHC) Stock Analysis

AI analysis of Pathfinder Bancorp Inc (MARYLAND) (PBHC)

Hold

Pathfinder Bancorp Inc (PBHC) is currently trading at $17.00, which is 79.2% of its 52-week high of $18.30. The stock has shown a year-to-date increase of 20.40%, indicating positive momentum. However, the recent quarterly report showed a net income decline to $2.1 million for Q3 2026, down from $2.7 million in Q2, which raises concerns about profitability. Additionally, the stock has a high forward P/E ratio of 11.29, suggesting that it may be overvalued relative to its earnings potential. Therefore, while there are some positive indicators, the recent earnings decline and high valuation metrics suggest that it may be prudent to hold rather than buy at this time.

Valuation Metrics

The current forward P/E ratio for Pathfinder Bancorp Inc (MARYLAND) (PBHC) is 11.29, compared to its 5-year average forward P/E of 2.12.

Forward P/E

Strongly Overvalued

5Y Average P/E

2.12

Current P/E

11.29

Overvalued

6.47

Undervalued

-2.22

Forward EV/EBITDA

Strongly Undervalued

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued

0.00

Undervalued

0.00

Forward P/S

Fair

5Y Average P/S

0.03

Current P/S

0.00

Overvalued

0.74

Undervalued

-0.67

Alphio AI Price Scenarios for PBHC

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%PBHC

$17.21

Scenario price

B

Base

Base · 50%PBHC

$14.75

Scenario price

B

Bear

Bear · 25%PBHC

$11.91

Scenario price

PBHC FAQ — answered by Alphio AI

Pathfinder Bancorp, Inc. is a bank holding company, which operates through its subsidiary, Pathfinder Bank (the Bank). The Bank is primarily engaged in the business of attracting deposits from the public and investing such deposits in loans secured by commercial and residential real estate, and commercial business and consumer assets other than real estate. The Company also invests in mortgage-backed securities issued or guaranteed by the United States government-sponsored enterprises, collateralized mortgage obligations and similar debt securities issued by both government-sponsored entities and private (non-governmental) issuers, and asset-backed securities that are generally issued by private entities. Its loan portfolio includes municipal loans, home equity loans and lines and consumer loans. The Company operates over 12 full-service offices located in its market areas consisting of Oswego and Onondaga County and one limited purpose office in Oneida County. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Pathfinder Bancorp Inc (PBHC) is currently trading at $17.00, which is 79.2% of its 52-week high of $18.30. The stock has shown a year-to-date increase of 20.40%, indicating positive momentum. However, the recent quarterly report showed a net income decline to $2.1 million for Q3 2026, down from $2.7 million in Q2, which raises concerns about profitability. Additionally, the stock has a high forward P/E ratio of 11.29, suggesting that it may be overvalued relative to its earnings potential. Therefore, while there are some positive indicators, the recent earnings decline and high valuation metrics suggest that it may be prudent to hold rather than buy at this time.