Pathfinder Bancorp (PBHC) Competitors

Timberland Bancorp (NASDAQ:TSBK) and Pathfinder Bancorp (NASDAQ:PBHC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, risk, dividends, profitability, analyst recommendations, media sentiment, earnings and valuation.

Does the media prefer TSBK or PBHC?

In the previous week, Pathfinder Bancorp had 2 more articles in the media than Timberland Bancorp. MarketBeat recorded 3 mentions for Pathfinder Bancorp and 1 mentions for Timberland Bancorp. Timberland Bancorp's average media sentiment score of 1.79 beat Pathfinder Bancorp's score of 0.95 indicating that Timberland Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Timberland Bancorp	Very Positive
Pathfinder Bancorp	Positive

Is TSBK or PBHC a better dividend stock?

Timberland Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 2.9%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.6%. Timberland Bancorp pays out 30.6% of its earnings in the form of a dividend. Pathfinder Bancorp pays out 114.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Timberland Bancorp has increased its dividend for 13 consecutive years and Pathfinder Bancorp has increased its dividend for 1 consecutive years. Timberland Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Do insiders and institutionals believe in TSBK or PBHC?

65.5% of Timberland Bancorp shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 3.7% of Timberland Bancorp shares are held by insiders. Comparatively, 15.4% of Pathfinder Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Which has more volatility and risk, TSBK or PBHC?

Timberland Bancorp has a beta of 0.51, suggesting that its stock price is 49% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.

Which has better earnings & valuation, TSBK or PBHC?

Timberland Bancorp has higher revenue and earnings than Pathfinder Bancorp. Timberland Bancorp is trading at a lower price-to-earnings ratio than Pathfinder Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Timberland Bancorp	$105.96M	2.72	$24.28M	$3.40	10.73
Pathfinder Bancorp	$46.71M	1.55	$3.38M	$0.35	43.27

Is TSBK or PBHC more profitable?

Timberland Bancorp has a net margin of 24.19% compared to Pathfinder Bancorp's net margin of 2.98%. Timberland Bancorp's return on equity of 10.79% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Timberland Bancorp	24.19%	10.79%	1.40%
Pathfinder Bancorp	2.98%	2.15%	0.18%

Summary

Timberland Bancorp beats Pathfinder Bancorp on 13 of the 16 factors compared between the two stocks.