Pathfinder Bancorp (PBHC) Competitors

Pathfinder Bancorp (NASDAQ:PBHC) and Greystone Housing Impact Investors (NYSE:GHI) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their media sentiment, institutional ownership, analyst recommendations, dividends, earnings, profitability, community ranking, risk and valuation.

Is PBHC or GHI more profitable?

Greystone Housing Impact Investors has a net margin of 22.35% compared to Pathfinder Bancorp's net margin of 4.28%. Greystone Housing Impact Investors' return on equity of 5.76% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	4.28%	3.07%	0.26%
Greystone Housing Impact Investors	22.35%	5.76%	1.27%

Does the MarketBeat Community believe in PBHC or GHI?

Pathfinder Bancorp received 108 more outperform votes than Greystone Housing Impact Investors when rated by MarketBeat users. However, 83.33% of users gave Greystone Housing Impact Investors 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%
Greystone Housing Impact Investors	Outperform Votes 10 83.33%	Underperform Votes 2 16.67%

Do insiders and institutionals believe in PBHC or GHI?

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 9.0% of Greystone Housing Impact Investors shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 1.8% of Greystone Housing Impact Investors shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Is PBHC or GHI a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.6%. Greystone Housing Impact Investors pays an annual dividend of $1.48 per share and has a dividend yield of 12.4%. Pathfinder Bancorp pays out 59.7% of its earnings in the form of a dividend. Greystone Housing Impact Investors pays out 321.7% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Pathfinder Bancorp has increased its dividend for 1 consecutive years and Greystone Housing Impact Investors has increased its dividend for 4 consecutive years. Greystone Housing Impact Investors is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more volatility and risk, PBHC or GHI?

Pathfinder Bancorp has a beta of 0.15, indicating that its share price is 85% less volatile than the S&P 500. Comparatively, Greystone Housing Impact Investors has a beta of 0.6, indicating that its share price is 40% less volatile than the S&P 500.

Does the media prefer PBHC or GHI?

In the previous week, Greystone Housing Impact Investors had 1 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 4 mentions for Greystone Housing Impact Investors and 3 mentions for Pathfinder Bancorp. Pathfinder Bancorp's average media sentiment score of 1.01 beat Greystone Housing Impact Investors' score of -0.01 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)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Greystone Housing Impact Investors	1 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do analysts prefer PBHC or GHI?

Greystone Housing Impact Investors has a consensus target price of $15.88, suggesting a potential upside of 32.85%. Given Greystone Housing Impact Investors' stronger consensus rating and higher probable upside, analysts plainly believe Greystone Housing Impact Investors 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
Greystone Housing Impact Investors	0 Sell rating(s)	0 Hold rating(s)	4 Buy rating(s)	0 Strong Buy rating(s)	3.00

Which has better valuation & earnings, PBHC or GHI?

Greystone Housing Impact Investors has lower revenue, but higher earnings than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Greystone Housing Impact Investors, 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	$47.88M	1.52	$3.76M	$0.67	22.78
Greystone Housing Impact Investors	$32.94M	8.49	$54.01M	$0.46	25.98

Summary

Greystone Housing Impact Investors beats Pathfinder Bancorp on 13 of the 21 factors compared between the two stocks.