Pathfinder Bancorp (PBHC) Competitors

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

Which has more volatility & risk, PBHC or FRST?

Pathfinder Bancorp has a beta of 0.16, suggesting that its share price is 84% less volatile than the S&P 500. Comparatively, Primis Financial has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500.

Is PBHC or FRST more profitable?

Pathfinder Bancorp has a net margin of 2.98% compared to Primis Financial's net margin of -0.93%. Pathfinder Bancorp's return on equity of 2.16% beat Primis Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	2.98%	2.16%	0.18%
Primis Financial	-0.93%	-2.02%	-0.20%

Do analysts prefer PBHC or FRST?

Primis Financial has a consensus price target of $7.50, indicating a potential downside of 32.80%. Given Primis Financial's stronger consensus rating and higher probable upside, analysts plainly believe Primis Financial 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
Primis Financial	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the media prefer PBHC or FRST?

In the previous week, Primis Financial had 2 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 3 mentions for Primis Financial and 1 mentions for Pathfinder Bancorp. Primis Financial's average media sentiment score of 1.60 beat Pathfinder Bancorp's score of 0.59 indicating that Primis Financial is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pathfinder Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Primis Financial	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive

Is PBHC or FRST a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.8%. Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.6%. 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. Primis Financial pays out -444.4% of its earnings in the form of a dividend. Pathfinder Bancorp has increased its dividend for 1 consecutive years. Primis Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has higher earnings and valuation, PBHC or FRST?

Pathfinder Bancorp has higher earnings, but lower revenue than Primis Financial. Primis Financial 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	$87.92M	0.78	$3.38M	$0.35	41.21
Primis Financial	$254.63M	1.08	-$16.20M	-$0.09	-124.00

Do insiders & institutionals believe in PBHC or FRST?

26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 75.0% of Primis Financial shares are owned by institutional investors. 15.4% of Pathfinder Bancorp shares are owned by company insiders. Comparatively, 11.0% of Primis Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Primis Financial beats Pathfinder Bancorp on 11 of the 19 factors compared between the two stocks.