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Pathfinder Bancorp (PBHC) Competitors

Pathfinder Bancorp logo
$17.38 +0.67 (+3.98%)
Closing price 10/2/2026 03:58 PM Eastern
Extended Trading
$16.80 -0.57 (-3.28%)
As of 10/2/2026 04:10 PM Eastern
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PBHC vs. BCML, FSBW, NEWT, JMSB, and CFFI

Should you buy Pathfinder Bancorp stock or one of its competitors? Pathfinder Bancorp's main competitors and comparable companies include Bay Commercial Bank (BCML), FS Bancorp (FSBW), NewtekOne (NEWT), John Marshall Bancorp (JMSB), and C&F Financial (CFFI). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "regional banks" industry.

How does Pathfinder Bancorp compare to Bay Commercial Bank?

Bay Commercial Bank (NASDAQ:BCML) 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 risk, profitability, media sentiment, valuation, dividends, earnings, institutional ownership and analyst recommendations.

Bay Commercial Bank has a beta of 0.32, meaning that its share price is 68% less volatile than the broader market. Comparatively, Pathfinder Bancorp has a beta of 0.12, meaning that its share price is 88% less volatile than the broader market.

Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.8%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Bay Commercial Bank pays out 100.0% 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 pays out -190.5% of its earnings in the form of a dividend. Bay Commercial Bank has raised its dividend for 3 consecutive years and Pathfinder Bancorp has raised its dividend for 1 consecutive years. Bay Commercial Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Bay Commercial Bank$141.48M2.41$23.93M$1.2025.99
Pathfinder Bancorp$79.15M1.08-$1.93M-$0.21N/A

In the previous week, Bay Commercial Bank and Bay Commercial Bank both had 4 articles in the media. Bay Commercial Bank's average media sentiment score of 1.04 beat Pathfinder Bancorp's score of 0.35 indicating that Bay Commercial Bank is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Bay Commercial Bank
1 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Pathfinder Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

66.2% of Bay Commercial Bank shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 2.9% of Bay Commercial Bank shares are held by company insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are held by company 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.

Bay Commercial Bank has a net margin of 9.20% compared to Pathfinder Bancorp's net margin of -1.70%. Bay Commercial Bank's return on equity of 6.98% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Bay Commercial Bank9.20% 6.98% 0.90%
Pathfinder Bancorp -1.70%-1.08%-0.09%

Bay Commercial Bank presently has a consensus target price of $34.00, indicating a potential upside of 9.01%. Given Bay Commercial Bank's stronger consensus rating and higher probable upside, analysts clearly believe Bay Commercial Bank is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bay Commercial Bank
0 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.60
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Summary

Bay Commercial Bank beats Pathfinder Bancorp on 17 of the 19 factors compared between the two stocks.

How does Pathfinder Bancorp compare to FS Bancorp?

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

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M1.08-$1.93M-$0.21N/A
FS Bancorp$219.52M1.50$33.35M$4.3410.21

Pathfinder Bancorp has a beta of 0.12, suggesting that its share price is 88% less volatile than the broader market. Comparatively, FS Bancorp has a beta of 0.68, suggesting that its share price is 32% less volatile than the broader market.

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. FS Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 2.6%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. FS Bancorp pays out 26.7% 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 raised its dividend for 1 consecutive years and FS Bancorp has raised its dividend for 12 consecutive years. FS Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 63.9% of FS Bancorp shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by insiders. Comparatively, 12.9% of FS Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

In the previous week, Pathfinder Bancorp had 4 more articles in the media than FS Bancorp. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 0 mentions for FS Bancorp. Pathfinder Bancorp's average media sentiment score of 0.35 beat FS Bancorp's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Pathfinder Bancorp Neutral
FS Bancorp Neutral

FS Bancorp has a consensus target price of $45.00, indicating a potential upside of 1.51%. Given FS Bancorp's higher probable upside, analysts plainly believe FS Bancorp is more favorable than Pathfinder Bancorp.

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
FS Bancorp
1 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

FS Bancorp has a net margin of 14.88% compared to Pathfinder Bancorp's net margin of -1.70%. FS Bancorp's return on equity of 10.86% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-1.70% -1.08% -0.09%
FS Bancorp 14.88%10.86%1.05%

Summary

FS Bancorp beats Pathfinder Bancorp on 14 of the 18 factors compared between the two stocks.

How does Pathfinder Bancorp compare to NewtekOne?

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

In the previous week, Pathfinder Bancorp had 3 more articles in the media than NewtekOne. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 1 mentions for NewtekOne. Pathfinder Bancorp's average media sentiment score of 0.35 beat NewtekOne's score of -0.33 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
0 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
NewtekOne
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

NewtekOne has a consensus price target of $16.33, indicating a potential upside of 46.09%. Given NewtekOne's higher possible upside, analysts plainly believe NewtekOne is more favorable than Pathfinder Bancorp.

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
NewtekOne
1 Sell rating(s)
4 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. NewtekOne pays an annual dividend of $0.76 per share and has a dividend yield of 6.8%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. NewtekOne pays out 34.2% 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 and NewtekOne has increased its dividend for 1 consecutive years.

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 38.4% of NewtekOne shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by insiders. Comparatively, 5.9% of NewtekOne shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M1.08-$1.93M-$0.21N/A
NewtekOne$383.33M0.84$60.51M$2.225.04

Pathfinder Bancorp has a beta of 0.12, indicating that its share price is 88% less volatile than the broader market. Comparatively, NewtekOne has a beta of 1.3, indicating that its share price is 30% more volatile than the broader market.

NewtekOne has a net margin of 15.57% compared to Pathfinder Bancorp's net margin of -1.70%. NewtekOne's return on equity of 17.97% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-1.70% -1.08% -0.09%
NewtekOne 15.57%17.97%2.26%

Summary

NewtekOne beats Pathfinder Bancorp on 12 of the 17 factors compared between the two stocks.

How does Pathfinder Bancorp compare to John Marshall Bancorp?

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

In the previous week, John Marshall Bancorp had 1 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 5 mentions for John Marshall Bancorp and 4 mentions for Pathfinder Bancorp. John Marshall Bancorp's average media sentiment score of 0.94 beat Pathfinder Bancorp's score of 0.35 indicating that John Marshall Bancorp 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)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
John Marshall Bancorp
2 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 39.1% of John Marshall Bancorp shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by insiders. Comparatively, 12.6% of John Marshall Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Pathfinder Bancorp has a beta of 0.12, indicating that its share price is 88% less volatile than the broader market. Comparatively, John Marshall Bancorp has a beta of 0.58, indicating that its share price is 42% less volatile than the broader market.

John Marshall Bancorp has a net margin of 20.41% compared to Pathfinder Bancorp's net margin of -1.70%. John Marshall Bancorp's return on equity of 9.16% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-1.70% -1.08% -0.09%
John Marshall Bancorp 20.41%9.16%1.04%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M1.08-$1.93M-$0.21N/A
John Marshall Bancorp$68.17M4.76$21.23M$1.7313.30

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. John Marshall Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.7%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. John Marshall Bancorp pays out 23.1% 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 raised 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.

John Marshall Bancorp has a consensus target price of $25.00, suggesting a potential upside of 8.65%. Given John Marshall Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe John Marshall Bancorp is more favorable than Pathfinder Bancorp.

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
John Marshall Bancorp
1 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
1 Strong Buy rating(s)
2.75

Summary

John Marshall Bancorp beats Pathfinder Bancorp on 15 of the 20 factors compared between the two stocks.

How does Pathfinder Bancorp compare to C&F Financial?

C&F Financial (NASDAQ:CFFI) and Pathfinder Bancorp (NASDAQ:PBHC) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, risk, profitability, institutional ownership, media sentiment, dividends, earnings and analyst recommendations.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
C&F Financial$186.13M1.72$26.83M$8.9610.97
Pathfinder Bancorp$79.15M1.08-$1.93M-$0.21N/A

In the previous week, C&F Financial had 3 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 7 mentions for C&F Financial and 4 mentions for Pathfinder Bancorp. C&F Financial's average media sentiment score of 0.44 beat Pathfinder Bancorp's score of 0.35 indicating that C&F Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
C&F Financial
0 Very Positive mention(s)
0 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
Pathfinder Bancorp
0 Very Positive mention(s)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

37.2% of C&F Financial shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 6.4% of C&F Financial shares are held by company insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

C&F Financial has a beta of 0.32, meaning that its stock price is 68% less volatile than the broader market. Comparatively, Pathfinder Bancorp has a beta of 0.12, meaning that its stock price is 88% less volatile than the broader market.

C&F Financial pays an annual dividend of $1.92 per share and has a dividend yield of 2.0%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. C&F Financial pays out 21.4% of its earnings in the form of a dividend. Pathfinder Bancorp pays out -190.5% 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. C&F Financial has raised its dividend for 1 consecutive years and Pathfinder Bancorp has raised its dividend for 1 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

C&F Financial presently has a consensus price target of $115.00, suggesting a potential upside of 16.99%. Given C&F Financial's stronger consensus rating and higher possible upside, equities analysts plainly believe C&F Financial is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
C&F Financial
0 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.67
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

C&F Financial has a net margin of 14.91% compared to Pathfinder Bancorp's net margin of -1.70%. C&F Financial's return on equity of 10.72% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
C&F Financial14.91% 10.72% 1.02%
Pathfinder Bancorp -1.70%-1.08%-0.09%

Summary

C&F Financial beats Pathfinder Bancorp on 15 of the 18 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding PBHC and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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PBHC vs. The Competition

MetricPathfinder BancorpBanks IndustryFinance SectorNASDAQ Exchange
Market Cap$81.85M$22.67B$13.42B$13.10B
Dividend Yield2.37%3.14%6.02%16.77%
P/E Ratio-82.7325.3824.4926.04
Price / Sales1.769.09498.6993.41
Price / CashN/A14.7446.4551.75
Price / Book0.681.342.706.30
Net Income-$1.93M$2.58B$1.32B$361.43M
7 Day Performance1.94%-1.00%-1.04%-1.67%
1 Month Performance11.38%-2.60%0.37%-4.51%
1 Year Performance13.20%20.99%11.52%2.03%

Pathfinder Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PBHC
Pathfinder Bancorp
1.4935 of 5 stars
$17.38
+4.0%
N/A+12.8%$81.85M$48.33MN/A187
BCML
Bay Commercial Bank
4.3496 of 5 stars
$30.34
-1.4%
$34.00
+12.1%
+12.8%$336.12M$141.48M25.28327
FSBW
FS Bancorp
3.4668 of 5 stars
$43.29
-1.2%
$45.00
+4.0%
+12.4%$325.74M$219.52M9.97585
NEWT
NewtekOne
4.4076 of 5 stars
$11.13
-0.8%
$16.33
+46.8%
-0.4%$324.09M$383.33M5.01572
JMSB
John Marshall Bancorp
3.6237 of 5 stars
$22.71
-0.8%
$25.00
+10.1%
+17.7%$323.17M$115.33M13.13140

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This page (NASDAQ:PBHC) was last updated on 10/3/2026 by MarketBeat.com Staff.
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