S&P 500   5,130.95
DOW   38,989.83
QQQ   444.02
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Closing prices for crude oil, gold and other commodities
S&P 500   5,130.95
DOW   38,989.83
QQQ   444.02
5 Under-the-Radar Artificial Intelligence (AI) Stocks
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
How major US stock indexes fared Monday, 3/4/2024
Macy's, United Rentals rise; Apple, Spirit Airlines fall Monday, 3/4/2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
DeSantis names Disney World district administrator to run elections in Democratic Orange County
Stock market today: Asian shares are mixed as China unveils 5% economic growth target for 2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
Ohio foundation begins process to distribute millions in opioid settlement money
Closing prices for crude oil, gold and other commodities
S&P 500   5,130.95
DOW   38,989.83
QQQ   444.02
5 Under-the-Radar Artificial Intelligence (AI) Stocks
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
How major US stock indexes fared Monday, 3/4/2024
Macy's, United Rentals rise; Apple, Spirit Airlines fall Monday, 3/4/2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
DeSantis names Disney World district administrator to run elections in Democratic Orange County
Stock market today: Asian shares are mixed as China unveils 5% economic growth target for 2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
Ohio foundation begins process to distribute millions in opioid settlement money
Closing prices for crude oil, gold and other commodities
S&P 500   5,130.95
DOW   38,989.83
QQQ   444.02
5 Under-the-Radar Artificial Intelligence (AI) Stocks
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
How major US stock indexes fared Monday, 3/4/2024
Macy's, United Rentals rise; Apple, Spirit Airlines fall Monday, 3/4/2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
DeSantis names Disney World district administrator to run elections in Democratic Orange County
Stock market today: Asian shares are mixed as China unveils 5% economic growth target for 2024
This is the #1 Stock to Buy for the AI Tidal Wave (Ad)
Ohio foundation begins process to distribute millions in opioid settlement money
Closing prices for crude oil, gold and other commodities

Pathfinder Bancorp (PBHC) Competitors

$11.52
+0.01 (+0.09%)
(As of 03/4/2024 ET)

PBHC vs. BAFN, FUSB, BOTJ, VBFC, BRBS, CIZN, BKSC, UBCP, AUBN, and BMTX

Should you be buying Pathfinder Bancorp stock or one of its competitors? The main competitors of Pathfinder Bancorp include BayFirst Financial (BAFN), First US Bancshares (FUSB), Bank of the James Financial Group (BOTJ), Village Bank and Trust Financial (VBFC), Blue Ridge Bankshares (BRBS), Citizens (CIZN), Bank of South Carolina (BKSC), United Bancorp (UBCP), Auburn National Bancorporation (AUBN), and BM Technologies (BMTX). These companies are all part of the "state commercial banks" industry.

Pathfinder Bancorp vs.

Pathfinder Bancorp (NASDAQ:PBHC) and BayFirst Financial (NASDAQ:BAFN) 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, analyst recommendations, profitability, dividends, valuation, institutional ownership, media sentiment, community ranking and earnings.

In the previous week, Pathfinder Bancorp and Pathfinder Bancorp both had 4 articles in the media. BayFirst Financial's average media sentiment score of 0.96 beat Pathfinder Bancorp's score of 0.22 indicating that BayFirst 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)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Neutral
BayFirst Financial
1 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Pathfinder Bancorp received 118 more outperform votes than BayFirst Financial when rated by MarketBeat users.

CompanyUnderperformOutperform
Pathfinder BancorpOutperform Votes
118
63.10%
Underperform Votes
69
36.90%
BayFirst FinancialN/AN/A

Pathfinder Bancorp has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.49, suggesting that its share price is 51% less volatile than the S&P 500.

Pathfinder Bancorp has a net margin of 12.76% compared to BayFirst Financial's net margin of 4.82%. Pathfinder Bancorp's return on equity of 8.17% beat BayFirst Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp12.76% 8.17% 0.66%
BayFirst Financial 4.82%7.22%0.54%

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)
N/A
BayFirst Financial
0 Sell rating(s)
0 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
N/A

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$72.85M0.75$9.29M$1.517.63
BayFirst Financial$118.27M0.44$5.70M$1.1511.09

27.6% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 16.8% of BayFirst Financial shares are owned by institutional investors. 24.0% of Pathfinder Bancorp shares are owned by insiders. Comparatively, 18.2% of BayFirst Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Pathfinder Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 3.1%. BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.5%. Pathfinder Bancorp pays out 23.8% of its earnings in the form of a dividend. BayFirst Financial pays out 27.8% 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 is clearly the better dividend stock, given its higher yield and lower payout ratio.

Summary

Pathfinder Bancorp beats BayFirst Financial on 11 of the 15 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 BancorpState commercial banks IndustryFinance SectorNASDAQ Exchange
Market Cap$54.37M$2.15B$7.92B$7.55B
Dividend Yield3.13%4.20%10.61%3.87%
P/E Ratio7.6310.7360.6318.63
Price / Sales0.751.943,609.4677.05
Price / Cash3.217.7328.4528.77
Price / Book0.481.092.584.46
Net Income$9.29M$400.81M$991.46M$212.48M
7 Day Performance-0.69%-0.24%0.04%0.46%
1 Month Performance-13.38%-1.50%1.44%7.36%
1 Year Performance-39.59%-11.17%16.52%7.59%

Pathfinder Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
BAFN
BayFirst Financial
2.616 of 5 stars
$12.68
+0.1%
N/A-30.1%$52.12M$118.27M11.03305Gap Up
FUSB
First US Bancshares
1.4024 of 5 stars
$9.86
-5.1%
N/A+5.5%$57.88M$56.19M7.41156
BOTJ
Bank of the James Financial Group
1.9335 of 5 stars
$11.27
-3.3%
N/A-10.0%$51.50M$52.23M5.93163
VBFC
Village Bank and Trust Financial
1.8351 of 5 stars
$40.25
-1.7%
N/A-28.4%$59.57M$34.09M25.00149Dividend Announcement
BRBS
Blue Ridge Bankshares
0 of 5 stars
$2.50
+0.8%
N/A-80.5%$47.98M$121.58M-0.73496Positive News
CIZN
Citizens
0 of 5 stars
$7.78
-0.3%
N/A-49.5%$43.65M$60.02M23.58271Gap Down
BKSC
Bank of South Carolina
0 of 5 stars
$12.33
-1.5%
N/A-27.5%$67.32M$26.08M12.5880Analyst Report
News Coverage
UBCP
United Bancorp
3.3354 of 5 stars
$11.85
-0.2%
N/A-16.7%$67.78M$40.90M7.55125Positive News
AUBN
Auburn National Bancorporation
1.9688 of 5 stars
$21.14
flat
N/A-15.3%$73.78M$36.05M52.85150Short Interest ↑
Gap Down
BMTX
BM Technologies
0 of 5 stars
$1.76
flat
$6.75
+283.5%
-42.6%$20.89M$83.60M-1.17275Gap Up

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This page (NASDAQ:PBHC) was last updated on 3/5/2024 by MarketBeat.com Staff