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	param	t-stat
$ω$	0.9229	3.62
$α$	0.0409	6.07
$β$	0.9517	118.58
$γ_{1}$	-0.0644	-2.86
$γ_{2}$	0.0919	2.67
$γ_{3}$	-0.0354	-0.98

V-Lab

Pathfinder Bancorp Inc Spline ILLIQ Liquidity Analysis

Liquidity Prediction for Wednesday, February 18th, 2026:1,301,543.00 (-6,336.00)

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