While most birds have finished nesting and some are flying south, the goldfinches delay the start of their nesting behavior until the thistles and other flowers come into bloom so they can anticipate an abundant and reliable supply of seeds for their young.
The immature American goldfinch has a dull brown back, and the underside is pale yellow. The shoulders and tail are dull black with two buff-colored wing bars, rather than an adult’s white. This coloration is the same in both male and female.
If you still aren’t sure if it is a baby or a female goldfinch, look at the feathers. Young American Goldfinches have fine, clean feathers and the adults will look worn out as they molt their feathers for winter. Babies are also very noisy begging and fluttering their wings constantly for their parents to feed them.
With the incessant demands of the little ones for food, there are often squabbles at the feeders for perches. I have 5 finch feeders, regular feeders full of Wild Birds Unlimited No-mess blend and a lot of natural foods like coneflowers and they still are pecking for positions. They are one of my favorite birds.