Pathfinder Bancorp (PBHC) Competitors

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

Do insiders and institutionals have more ownership in PBHC or NECB?

26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 53.3% of Northeast Community Bancorp shares are owned by institutional investors. 22.4% of Pathfinder Bancorp shares are owned by company insiders. Comparatively, 6.3% of Northeast Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Does the media refer more to PBHC or NECB?

In the previous week, Pathfinder Bancorp and Pathfinder Bancorp both had 1 articles in the media. Pathfinder Bancorp's average media sentiment score of 1.16 beat Northeast Community Bancorp's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pathfinder Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Northeast Community Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has preferable valuation and earnings, PBHC or NECB?

Northeast Community Bancorp has higher revenue and earnings than Pathfinder Bancorp. Northeast Community 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
Pathfinder Bancorp	$46.71M	1.57	$3.38M	$0.35	43.63
Northeast Community Bancorp	$101.40M	2.83	$47.07M	$3.35	6.11

Which has more volatility & risk, PBHC or NECB?

Pathfinder Bancorp has a beta of 0.2, meaning that its share price is 80% less volatile than the S&P 500. Comparatively, Northeast Community Bancorp has a beta of 0.53, meaning that its share price is 47% less volatile than the S&P 500.

Is PBHC or NECB a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.6%. Northeast Community Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 3.9%. 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. Northeast Community Bancorp pays out 23.9% of its earnings in the form of a dividend. Pathfinder Bancorp has increased its dividend for 1 consecutive years and Northeast Community Bancorp has increased its dividend for 2 consecutive years. Northeast Community Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Is PBHC or NECB more profitable?

Northeast Community Bancorp has a net margin of 28.09% compared to Pathfinder Bancorp's net margin of 2.98%. Northeast Community Bancorp's return on equity of 14.04% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	2.98%	2.15%	0.18%
Northeast Community Bancorp	28.09%	14.04%	2.30%

Do analysts recommend PBHC or NECB?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
Northeast Community Bancorp	0 Sell rating(s)	0 Hold rating(s)	1 Buy rating(s)	1 Strong Buy rating(s)	3.50

Summary

Northeast Community Bancorp beats Pathfinder Bancorp on 15 of the 18 factors compared between the two stocks.