Pathfinder Bancorp Stock Technical Analysis
| PBHC Stock | USD 13.60 0.07 0.51% |
As of the 17th of February 2026, Pathfinder Bancorp holds the Risk Adjusted Performance of (0.04), variance of 6.25, and Coefficient Of Variation of (1,876). Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Pathfinder Bancorp, as well as the relationship between them.
Pathfinder Bancorp Momentum Analysis
Momentum indicators are widely used technical indicators which help to measure the pace at which the price of specific equity, such as Pathfinder, fluctuates. Many momentum indicators also complement each other and can be helpful when the market is rising or falling as compared to PathfinderPathfinder | Build AI portfolio with Pathfinder Stock |
Will Regional Banks sector continue expanding? Could Pathfinder diversify its offerings? Factors like these will boost the valuation of Pathfinder Bancorp. Anticipated expansion of Pathfinder directly elevates investor willingness to pay premium valuations. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Pathfinder Bancorp data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth (0.98) | Earnings Share 1.2 | Revenue Per Share | Quarterly Revenue Growth (0.22) | Return On Assets |
The market value of Pathfinder Bancorp is measured differently than its book value, which is the value of Pathfinder that is recorded on the company's balance sheet. Investors also form their own opinion of Pathfinder Bancorp's value that differs from its market value or its book value, called intrinsic value, which is Pathfinder Bancorp's true underlying value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Because Pathfinder Bancorp's market value can be influenced by many factors that don't directly affect Pathfinder Bancorp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Pathfinder Bancorp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Pathfinder Bancorp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Pathfinder Bancorp's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Pathfinder Bancorp 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Pathfinder Bancorp's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Pathfinder Bancorp.
| 11/19/2025 |
| 02/17/2026 |
If you would invest 0.00 in Pathfinder Bancorp on November 19, 2025 and sell it all today you would earn a total of 0.00 from holding Pathfinder Bancorp or generate 0.0% return on investment in Pathfinder Bancorp over 90 days. Pathfinder Bancorp is related to or competes with Lake Shore, Auburn National, IF Bancorp, Winchester Bancorp, Provident Financial, Fifth District, and DT Cloud. Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial p... More
Pathfinder Bancorp Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Pathfinder Bancorp's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Pathfinder Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | (0.08) | |||
| Maximum Drawdown | 17.59 | |||
| Value At Risk | (4.00) | |||
| Potential Upside | 3.7 |
Pathfinder Bancorp Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Pathfinder Bancorp's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Pathfinder Bancorp's standard deviation. In reality, there are many statistical measures that can use Pathfinder Bancorp historical prices to predict the future Pathfinder Bancorp's volatility.| Risk Adjusted Performance | (0.04) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.33) | |||
| Treynor Ratio | 0.9146 |
Pathfinder Bancorp February 17, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.04) | |||
| Market Risk Adjusted Performance | 0.9246 | |||
| Mean Deviation | 1.54 | |||
| Coefficient Of Variation | (1,876) | |||
| Standard Deviation | 2.5 | |||
| Variance | 6.25 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.33) | |||
| Treynor Ratio | 0.9146 | |||
| Maximum Drawdown | 17.59 | |||
| Value At Risk | (4.00) | |||
| Potential Upside | 3.7 | |||
| Skewness | (0.57) | |||
| Kurtosis | 6.5 |
Pathfinder Bancorp Backtested Returns
Pathfinder Bancorp maintains Sharpe Ratio (i.e., Efficiency) of -0.0177, which implies the firm had a -0.0177 % return per unit of risk over the last 3 months. Pathfinder Bancorp exposes twenty-three different technical indicators, which can help you to evaluate volatility embedded in its price movement. Please check Pathfinder Bancorp's Variance of 6.25, coefficient of variation of (1,876), and Risk Adjusted Performance of (0.04) to confirm the risk estimate we provide. The company holds a Beta of -0.16, which implies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Pathfinder Bancorp are expected to decrease at a much lower rate. During the bear market, Pathfinder Bancorp is likely to outperform the market. At this point, Pathfinder Bancorp has a negative expected return of -0.048%. Please make sure to check Pathfinder Bancorp's kurtosis, as well as the relationship between the rate of daily change and market facilitation index , to decide if Pathfinder Bancorp performance from the past will be repeated at some point in the near future.
Auto-correlation | -0.07 |
Very weak reverse predictability
Pathfinder Bancorp has very weak reverse predictability. Overlapping area represents the amount of predictability between Pathfinder Bancorp time series from 19th of November 2025 to 3rd of January 2026 and 3rd of January 2026 to 17th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Pathfinder Bancorp price movement. The serial correlation of -0.07 indicates that barely 7.0% of current Pathfinder Bancorp price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.07 | |
| Spearman Rank Test | 0.5 | |
| Residual Average | 0.0 | |
| Price Variance | 0.27 |
Pathfinder Bancorp technical stock analysis exercises models and trading practices based on price and volume transformations, such as the moving averages, relative strength index, regressions, price and return correlations, business cycles, stock market cycles, or different charting patterns.
Pathfinder Bancorp Technical Analysis
The output start index for this execution was one with a total number of output elements of sixty. The Average True Range was developed by J. Welles Wilder in 1970s. It is one of components of the Welles Wilder Directional Movement indicators. The ATR is a measure of Pathfinder Bancorp volatility. High ATR values indicate high volatility, and low values indicate low volatility.
About Pathfinder Bancorp Technical Analysis
The technical analysis module can be used to analyzes prices, returns, volume, basic money flow, and other market information and help investors to determine the real value of Pathfinder Bancorp on a daily or weekly bases. We use both bottom-up as well as top-down valuation methodologies to arrive at the intrinsic value of Pathfinder Bancorp based on its technical analysis. In general, a bottom-up approach, as applied to this company, focuses on Pathfinder Bancorp price pattern first instead of the macroeconomic environment surrounding Pathfinder Bancorp. By analyzing Pathfinder Bancorp's financials, daily price indicators, and related drivers such as dividends, momentum ratios, and various types of growth rates, we attempt to find the most accurate representation of Pathfinder Bancorp's intrinsic value. As compared to a bottom-up approach, our top-down model examines the macroeconomic factors that affect the industry/economy before zooming in to Pathfinder Bancorp specific price patterns or momentum indicators. Please read more on our technical analysis page.
| 2023 | 2024 | 2025 | 2026 (projected) | Dividend Yield | 0.0335 | 0.0223 | 0.0283 | 0.0177 | Price To Sales Ratio | 0.91 | 1.28 | 1.12 | 2.02 |
Pathfinder Bancorp February 17, 2026 Technical Indicators
Most technical analysis of Pathfinder help investors determine whether a current trend will continue and, if not, when it will shift. We provide a combination of tools to recognize potential entry and exit points for Pathfinder from various momentum indicators to cycle indicators. When you analyze Pathfinder charts, please remember that the event formation may indicate an entry point for a short seller, and look at different other indicators across different periods to confirm that a breakdown or reversion is likely to occur.
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | (0.04) | |||
| Market Risk Adjusted Performance | 0.9246 | |||
| Mean Deviation | 1.54 | |||
| Coefficient Of Variation | (1,876) | |||
| Standard Deviation | 2.5 | |||
| Variance | 6.25 | |||
| Information Ratio | (0.08) | |||
| Jensen Alpha | (0.13) | |||
| Total Risk Alpha | (0.33) | |||
| Treynor Ratio | 0.9146 | |||
| Maximum Drawdown | 17.59 | |||
| Value At Risk | (4.00) | |||
| Potential Upside | 3.7 | |||
| Skewness | (0.57) | |||
| Kurtosis | 6.5 |
Pathfinder Bancorp February 17, 2026 Daily Trend Indicators
Traders often use several different daily volumes and price technical indicators to supplement a more traditional technical analysis when analyzing securities such as Pathfinder stock. With literally thousands of different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 0.01 | ||
| Daily Balance Of Power | (0.47) | ||
| Rate Of Daily Change | 0.99 | ||
| Day Median Price | 13.68 | ||
| Day Typical Price | 13.65 | ||
| Price Action Indicator | (0.11) | ||
| Market Facilitation Index | 0.15 |
Complementary Tools for Pathfinder Stock analysis
When running Pathfinder Bancorp's price analysis, check to measure Pathfinder Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Pathfinder Bancorp is operating at the current time. Most of Pathfinder Bancorp's value examination focuses on studying past and present price action to predict the probability of Pathfinder Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Pathfinder Bancorp's price. Additionally, you may evaluate how the addition of Pathfinder Bancorp to your portfolios can decrease your overall portfolio volatility.
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