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Pathfinder Bancorp (PBHC) Competitors

Pathfinder Bancorp logo
$13.56 -0.32 (-2.31%)
Closing price 05/8/2026 03:58 PM Eastern
Extended Trading
$13.81 +0.25 (+1.84%)
As of 05/8/2026 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.

PBHC vs. OPRT, FXNC, SNFCA, FRAF, and JFIN

Should you be buying Pathfinder Bancorp stock or one of its competitors? The main competitors of Pathfinder Bancorp include Oportun Financial (OPRT), First National (FXNC), Security National Financial (SNFCA), Franklin Financial Services (FRAF), and Jiayin Group (JFIN). These companies are all part of the "banking" industry.

How does Pathfinder Bancorp compare to Oportun Financial?

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

Oportun Financial has a consensus price target of $8.00, indicating a potential upside of 39.37%. Given Oportun Financial's stronger consensus rating and higher possible upside, analysts plainly believe Oportun Financial is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pathfinder Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

Pathfinder Bancorp has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500. Comparatively, Oportun Financial has a beta of 1.3, meaning that its stock price is 30% more volatile than the S&P 500.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M0.84-$1.93M-$0.63N/A
Oportun Financial$956.70M0.27$25.25M$0.3715.51

Oportun Financial has a net margin of 1.87% compared to Pathfinder Bancorp's net margin of -4.96%. Oportun Financial's return on equity of 12.25% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-4.96% -3.20% -0.27%
Oportun Financial 1.87%12.25%1.46%

In the previous week, Oportun Financial had 6 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 10 mentions for Oportun Financial and 4 mentions for Pathfinder Bancorp. Pathfinder Bancorp's average media sentiment score of 0.68 beat Oportun Financial's score of 0.47 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)
1 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
Oportun Financial
2 Very Positive mention(s)
0 Positive mention(s)
5 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by insiders. Comparatively, 9.3% of Oportun Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Oportun Financial beats Pathfinder Bancorp on 13 of the 16 factors compared between the two stocks.

How does Pathfinder Bancorp compare to First National?

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

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First National
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Pathfinder Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

First National has a beta of 0.44, meaning that its share price is 56% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.18, meaning that its share price is 82% less volatile than the S&P 500.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First National$116.51M2.17$17.70M$2.3312.00
Pathfinder Bancorp$79.15M0.84-$1.93M-$0.63N/A

First National has a net margin of 17.94% compared to Pathfinder Bancorp's net margin of -4.96%. First National's return on equity of 11.61% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
First National17.94% 11.61% 1.03%
Pathfinder Bancorp -4.96%-3.20%-0.27%

In the previous week, Pathfinder Bancorp had 3 more articles in the media than First National. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 1 mentions for First National. Pathfinder Bancorp's average media sentiment score of 0.68 beat First National's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the news media.

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

First National pays an annual dividend of $0.68 per share and has a dividend yield of 2.4%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.9%. First National pays out 29.2% of its earnings in the form of a dividend. Pathfinder Bancorp pays out -63.5% 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. First National has raised its dividend for 10 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.

33.9% of First National shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 14.2% of First National shares are owned by insiders. Comparatively, 15.4% of Pathfinder Bancorp shares are owned 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.

Summary

First National beats Pathfinder Bancorp on 13 of the 18 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Security National Financial?

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

Security National Financial has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500.

45.6% of Security National Financial shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 13.0% of Security National Financial shares are owned by company insiders. Comparatively, 15.4% of Pathfinder Bancorp shares are owned 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Security National Financial$344.59M0.75$32.15M$1.267.83
Pathfinder Bancorp$79.15M0.84-$1.93M-$0.63N/A

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Security National Financial
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Pathfinder Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

Security National Financial has a net margin of 9.33% compared to Pathfinder Bancorp's net margin of -4.96%. Security National Financial's return on equity of 8.71% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Security National Financial9.33% 8.71% 2.08%
Pathfinder Bancorp -4.96%-3.20%-0.27%

In the previous week, Pathfinder Bancorp had 3 more articles in the media than Security National Financial. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 1 mentions for Security National Financial. Pathfinder Bancorp's average media sentiment score of 0.68 beat Security National Financial's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the news media.

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

Summary

Security National Financial beats Pathfinder Bancorp on 10 of the 14 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Franklin Financial Services?

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

Franklin Financial Services has a consensus price target of $64.00, suggesting a potential upside of 9.40%. Given Franklin Financial Services' stronger consensus rating and higher probable upside, analysts plainly believe Franklin Financial Services is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pathfinder Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00
Franklin Financial Services
0 Sell rating(s)
0 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
3.00

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.9%. Franklin Financial Services pays an annual dividend of $1.36 per share and has a dividend yield of 2.3%. Pathfinder Bancorp pays out -63.5% of its earnings in the form of a dividend. Franklin Financial Services pays out 25.5% 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. Pathfinder Bancorp has raised its dividend for 1 consecutive years and Franklin Financial Services has raised its dividend for 1 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 24.8% of Franklin Financial Services shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by insiders. Comparatively, 5.9% of Franklin Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M0.84-$1.93M-$0.63N/A
Franklin Financial Services$133.55M1.97$21.23M$5.3410.96

Pathfinder Bancorp has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, Franklin Financial Services has a beta of -0.01, suggesting that its stock price is 101% less volatile than the S&P 500.

In the previous week, Pathfinder Bancorp had 4 more articles in the media than Franklin Financial Services. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 0 mentions for Franklin Financial Services. Pathfinder Bancorp's average media sentiment score of 0.68 beat Franklin Financial Services' score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Pathfinder Bancorp Positive
Franklin Financial Services Neutral

Franklin Financial Services has a net margin of 17.73% compared to Pathfinder Bancorp's net margin of -4.96%. Franklin Financial Services' return on equity of 14.40% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-4.96% -3.20% -0.27%
Franklin Financial Services 17.73%14.40%1.05%

Summary

Franklin Financial Services beats Pathfinder Bancorp on 11 of the 18 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Jiayin Group?

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

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jiayin Group
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00
Pathfinder Bancorp
1 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.00

In the previous week, Pathfinder Bancorp had 4 more articles in the media than Jiayin Group. MarketBeat recorded 4 mentions for Pathfinder Bancorp and 0 mentions for Jiayin Group. Pathfinder Bancorp's average media sentiment score of 0.68 beat Jiayin Group's score of 0.00 indicating that Pathfinder Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Jiayin Group Neutral
Pathfinder Bancorp Positive

Jiayin Group has a beta of 0.88, suggesting that its stock price is 12% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.

44.1% of Jiayin Group shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 51.2% of Jiayin Group shares are held by insiders. Comparatively, 15.4% of Pathfinder 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.

Jiayin Group pays an annual dividend of $0.79 per share and has a dividend yield of 16.0%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.9%. Jiayin Group pays out 19.4% of its earnings in the form of a dividend. Pathfinder Bancorp pays out -63.5% 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. Pathfinder Bancorp has raised its dividend for 1 consecutive years.

Jiayin Group has a net margin of 24.60% compared to Pathfinder Bancorp's net margin of -4.96%. Jiayin Group's return on equity of 37.45% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Jiayin Group24.60% 37.45% 20.10%
Pathfinder Bancorp -4.96%-3.20%-0.27%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Jiayin Group$889.76M0.30$219.61M$4.081.21
Pathfinder Bancorp$79.15M0.84-$1.93M-$0.63N/A

Summary

Jiayin Group beats Pathfinder Bancorp on 12 of the 17 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 BancorpFIN IndustryFinance SectorNASDAQ Exchange
Market Cap$67.68M$639.18M$13.52B$12.12B
Dividend Yield2.88%2.85%5.75%5.20%
P/E Ratio-21.5213.3222.7125.39
Price / Sales0.842.03184.6775.96
Price / CashN/A16.4220.3053.47
Price / Book0.531.142.216.81
Net Income-$1.93M$44.66M$1.11B$333.04M
7 Day Performance-4.00%0.80%0.66%3.17%
1 Month Performance2.50%1.88%2.52%7.14%
1 Year Performance-9.48%21.82%13.54%41.22%

Pathfinder Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PBHC
Pathfinder Bancorp
1.4122 of 5 stars
$13.56
-2.3%
N/AN/A$67.68M$79.15MN/A170
OPRT
Oportun Financial
4.6444 of 5 stars
$5.79
-4.0%
$8.00
+38.2%
N/A$257.66M$405.84M10.922,488
FXNC
First National
4.2569 of 5 stars
$27.95
-2.6%
N/AN/A$252.70M$87.77M14.19210
SNFCA
Security National Financial
1.0471 of 5 stars
$9.61
-2.7%
N/AN/A$250.05M$345.39M7.621,243
FRAF
Franklin Financial Services
3 of 5 stars
$55.35
-5.9%
$64.00
+15.6%
N/A$248.63M$87.44M10.37280

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This page (NASDAQ:PBHC) was last updated on 5/9/2026 by MarketBeat.com Staff.
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