Roiver Score™ for
PBHCPathfinder Bancorp Inc
Based on fundamentals through 12/31/2025.
As of December 31, 2025, Pathfinder Bancorp Inc (PBHC) scores 11/100 (Weak) on the Roiver Score — a transparent quality composite. Its strongest area is cash quality; its weakest is stability. The score measures business quality, not timing — it's a signal, not a recommendation.
No black box
Roiver Score is a transparent 0–100 quality composite. Five components, each 0–20: profitability, capital structure, cash quality, valuation, and stability. Inspired by Piotroski's F-Score, Altman's Z-Score, and the Buffett/Munger framework on quality compounders at fair prices. Read the full methodology →
Frequently asked about PBHC
What is PBHC's Roiver Score?
Pathfinder Bancorp Inc scores 11 out of 100 (Weak) as of December 31, 2025, based on fundamentals.
How is the Roiver Score for PBHC calculated?
It sums five 0–20 components — profitability, capital structure, cash quality, valuation, and stability — into a transparent 0–100 composite. The full methodology is published.
Is PBHC a good quality stock?
On quality, PBHC rates "Weak" (11/100). Its strongest driver is cash quality and its weakest is stability. Quality is one input to a decision, not a buy/sell call.
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Educational use only. Roiver Score is a quality signal, not a recommendation.