Pathfinder Bancorp, Inc. (PBHC) — Moat, Quality & Fair Value

Pathfinder Bancorp, Inc. (PBHC) has a None economic moat and a quality score of 34/100. It operates in the Financials sector.

Industry: Regional Banks & Thrifts · Financials

Market share (2025): <0.1% of US community banks & thrifts

Economic moat: None. A none moat indicates no clear structural protection from competition. Learn more about how we classify moats in our guide to economic moats.

Quality score: 34/100. This score combines seven weighted pillars — returns on capital, margin strength, cash generation, financial health, durability, management, and moat & position. See how the quality score works.

The three-tier owner-earnings fair value estimate, price & fair-value chart, financial statements, and complete management evaluation for PBHC are available in the MoatScope app (14-day free trial, no card required). New to the framework? Start with the MoatScope guide.

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