GS
The Goldman Sachs Group, Inc.
GS's fundamentals are strong: revenue grew 19% and its operating margin rose 4 points to 40%. Its PE isn't a useful guide right now because of how its recent earnings were reported.
PBHC
Pathfinder Bancorp, Inc.
There isn't enough reported data to score PBHC yet.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
PBHC Fundamentals
| Metric | Status |
|---|---|
| Unavailable | |
| Strong | |
| N/A | |
| N/A |
PBHC's profitability is currently strong. There isn't enough data to rate its revenue. Free cash flow and net leverage aren't meaningful measures for financial services companies like PBHC.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
PBHC PE Valuation
PBHC has no meaningful PE right now: it lost money over the past year.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
PBHC Forward outlook
There aren't enough analyst estimates for PBHC to show an outlook.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over PBHC in the latest year-over-year earnings comparison.
PBHC Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q1 2021 | $1.24 | +28% |
| Q4 2020 | $1.17 | +46% |
| Q3 2020 | $1.20 | +71% |
PBHC's earnings per share have climbed steadily: $1.24 over the past year, up 28% from the year before, and higher year over year every quarter since late 2020.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over PBHC in the latest year-over-year revenue comparison.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
PBHC Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q4 2025 | $11.8M | -23% |
| Q4 2024 | $15.3M | +46% |
| Q4 2021 | $11.1M | +16% |
| Q1 2021 | $10.4M | +9.2% |
| Q4 2020 | $9.6M | +5.9% |
| Q3 2020 | $9.8M | +15% |
PBHC's revenue has grown year over year every quarter since late 2020: $12M last quarter, up 14% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q4 2025 | -72% | -110 points |
| Q4 2024 | 38% | +7.4 points |
| Q4 2023 | 30% | N/A |
| Q4 2021 | 45% | +24 points |
| Q1 2021 | 26% | +3.1 points |
| Q4 2020 | 20% | -4.6 points |
| Q3 2020 | 19% | +0.3 points |
| Q2 2020 | 25% | N/A |
PBHC's operating margin was −72% last quarter, down 98 points from the same quarter a year ago, near the bottom of its range since 2019.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS has the edge over PBHC in the latest year-over-year cash flow comparison.
PBHC Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q4 2025 | $2.4M | +$5.5M |
| Q4 2024 | -$3.1M | -138% |
| Q4 2021 | $4.3M | +172% |
| Q1 2021 | $2.9M | -92% |
| Q4 2020 | $1.6M | +78% |
| Q3 2020 | $3.8M | +31% |
PBHC's free cash flow was $12M over the past year, up 15% from the year before. Free cash flow isn't a meaningful measure for financial services companies like PBHC.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over PBHC on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
PBHC Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.6% | +26.1K shares |
| 1 year | +6.8% | +303K shares |
PBHC has 5M diluted shares, up 6.8% from a year ago.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like GS.
PBHC Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2021 | 7.1x | High |
| Q4 2020 | 6.7x | High |
| Q3 2020 | 6.1x | High |
| Q2 2020 | 5.6x | High |
| Q1 2020 | 5.1x | High |
| Q4 2019 | 12.1x | High |
| Q3 2019 | 10.3x | High |
PBHC's net debt is about 7.1 years of its operating earnings (EBITDA), up from 5.0 years a year ago. Net leverage isn't a meaningful measure for financial services companies like PBHC.
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
PBHC Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 55.2 | Neutral |
| Stochastic | 47.9 | Neutral |
PBHC's weekly RSI is 55 (neutral) and its Stochastic is 48 (neutral).
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
PBHC PE vs Financial Services Sector
| Metric | PBHC | Sector median | Relative |
|---|---|---|---|
| PE | N/A | 13x | — |
PBHC has no meaningful PE right now: it lost money over the past year.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
PBHC Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $17.0 | 1.5% below |
| 20 week MA | $16.6 | 0.4% above |
| 50 week MA | $15.0 | 11% above |
| 100 week MA | $15.3 | 9.1% above |
| 200 week MA | $15.0 | 12% above |
PBHC has the edge over GS on trend strength, trading above more of its moving averages.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.
PBHC Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.0 | $11.4 | -18% |
| 2021 | $11.4 | $17.0 | +49% |
| 2022 | $17.0 | $18.5 | +8.8% |
| 2023 | $18.5 | $14.0 | -24% |
| 2024 | $14.0 | $17.6 | +25% |
| 2025 | $17.6 | $13.7 | -22% |
| 2026 YTD | $13.7 | $16.7 | +22% |
PBHC has the edge over GS on returns for 2026, with the stronger performance.