Pathfinder Bancorp (PBHC) Competitors

Pathfinder Bancorp (NASDAQ:PBHC) and Bankwell Financial Group (NASDAQ:BWFG) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their media sentiment, risk, valuation, profitability, community ranking, analyst recommendations, dividends, earnings and institutional ownership.

Which has stronger earnings & valuation, PBHC or BWFG?

Bankwell Financial Group has higher revenue and earnings than Pathfinder Bancorp. Bankwell Financial Group 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
Pathfinder Bancorp	$47.87M	1.49	$3.76M	$0.67	22.34
Bankwell Financial Group	$88.51M	3.06	$9.31M	$1.57	21.88

Do institutionals & insiders have more ownership in PBHC or BWFG?

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 35.8% of Bankwell Financial Group shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 19.5% of Bankwell Financial Group shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Does the MarketBeat Community prefer PBHC or BWFG?

Bankwell Financial Group received 70 more outperform votes than Pathfinder Bancorp when rated by MarketBeat users. Likewise, 63.73% of users gave Bankwell Financial Group an outperform vote while only 63.10% of users gave Pathfinder Bancorp an outperform vote.

Company	Underperform	Outperform
Pathfinder Bancorp	Outperform Votes 118 63.10%	Underperform Votes 69 36.90%
Bankwell Financial Group	Outperform Votes 188 63.73%	Underperform Votes 107 36.27%

Which has more risk and volatility, PBHC or BWFG?

Pathfinder Bancorp has a beta of 0.12, suggesting that its stock price is 88% less volatile than the S&P 500. Comparatively, Bankwell Financial Group has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500.

Is PBHC or BWFG a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.7%. Bankwell Financial Group pays an annual dividend of $0.80 per share and has a dividend yield of 2.3%. Pathfinder Bancorp pays out 59.7% of its earnings in the form of a dividend. Bankwell Financial Group pays out 51.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pathfinder Bancorp has increased its dividend for 1 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Does the media refer more to PBHC or BWFG?

In the previous week, Bankwell Financial Group had 1 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 1 mentions for Bankwell Financial Group and 0 mentions for Pathfinder Bancorp. Bankwell Financial Group's average media sentiment score of 1.73 beat Pathfinder Bancorp's score of 0.00 indicating that Bankwell Financial Group is being referred to more favorably in the news media.

Company	Overall Sentiment
Pathfinder Bancorp	Neutral
Bankwell Financial Group	Very Positive

Do analysts prefer PBHC or BWFG?

Bankwell Financial Group has a consensus target price of $42.00, indicating a potential upside of 22.25%. Given Bankwell Financial Group's stronger consensus rating and higher possible upside, analysts clearly believe Bankwell Financial Group is more favorable than Pathfinder Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Bankwell Financial Group	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	3.00

Is PBHC or BWFG more profitable?

Bankwell Financial Group has a net margin of 4.76% compared to Pathfinder Bancorp's net margin of 4.28%. Bankwell Financial Group's return on equity of 3.48% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	4.28%	3.07%	0.26%
Bankwell Financial Group	4.76%	3.48%	0.30%

Summary

Bankwell Financial Group beats Pathfinder Bancorp on 19 of the 21 factors compared between the two stocks.