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Pathfinder Bancorp (PBHC) Competitors

Pathfinder Bancorp logo
$16.71 +0.41 (+2.52%)
Closing price 09/9/2026 03:55 PM Eastern
Extended Trading
$16.95 +0.24 (+1.42%)
As of 09:11 AM Eastern
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PBHC vs. CFFI, MYFW, CBNA, ISBA, and BPRN

Should you buy Pathfinder Bancorp stock or one of its competitors? Pathfinder Bancorp's main competitors and comparable companies include C&F Financial (CFFI), First Western Financial (MYFW), Chain Bridge Bancorp (CBNA), Isabella Bank (ISBA), and Princeton Bancorp (BPRN). 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 C&F Financial?

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

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%

C&F Financial has a beta of 0.33, meaning that its stock price is 67% less volatile than the broader market. Comparatively, Pathfinder Bancorp has a beta of 0.13, meaning that its stock price is 87% less volatile than the broader market.

C&F Financial pays an annual dividend of $1.92 per share and has a dividend yield of 2.1%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. 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 increased its dividend for 1 consecutive years and Pathfinder Bancorp has increased its dividend for 1 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
C&F Financial
0 Sell rating(s)
0 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
3.00
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

In the previous week, C&F Financial had 11 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 11 mentions for C&F Financial and 0 mentions for Pathfinder Bancorp. C&F Financial's average media sentiment score of 0.06 beat Pathfinder Bancorp's score of 0.00 indicating that C&F Financial is being referred to more favorably in the media.

Company Overall Sentiment
C&F Financial Neutral
Pathfinder Bancorp 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, large money managers and endowments believe a company is poised for long-term growth.

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$186.13M1.64$26.83M$8.9610.45
Pathfinder Bancorp$79.15M1.03-$1.93M-$0.21N/A

Summary

C&F Financial beats Pathfinder Bancorp on 14 of the 17 factors compared between the two stocks.

How does Pathfinder Bancorp compare to First Western Financial?

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

60.3% of First Western Financial shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 13.1% of First Western Financial shares are owned by insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

First Western Financial has a beta of 0.71, indicating that its share price is 29% less volatile than the broader market. Comparatively, Pathfinder Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the broader market.

In the previous week, First Western Financial had 3 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 3 mentions for First Western Financial and 0 mentions for Pathfinder Bancorp. First Western Financial's average media sentiment score of 1.14 beat Pathfinder Bancorp's score of 0.00 indicating that First Western Financial is being referred to more favorably in the media.

Company Overall Sentiment
First Western Financial Positive
Pathfinder Bancorp Neutral

First Western Financial has a net margin of 9.50% compared to Pathfinder Bancorp's net margin of -1.70%. First Western Financial's return on equity of 6.82% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
First Western Financial9.50% 6.82% 0.57%
Pathfinder Bancorp -1.70%-1.08%-0.09%

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
First Western Financial$186.36M1.61$13.19M$1.8616.53
Pathfinder Bancorp$79.15M1.03-$1.93M-$0.21N/A

First Western Financial presently has a consensus price target of $32.00, indicating a potential upside of 4.10%. Given First Western Financial's stronger consensus rating and higher possible upside, equities research analysts plainly believe First Western Financial is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Western Financial
1 Sell rating(s)
1 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.25
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Summary

First Western Financial beats Pathfinder Bancorp on 15 of the 16 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Chain Bridge Bancorp?

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

Chain Bridge Bancorp has a consensus target price of $42.17, indicating a potential downside of 8.55%. Given Chain Bridge Bancorp's higher probable upside, analysts plainly believe Chain Bridge 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
Chain Bridge Bancorp
0 Sell rating(s)
5 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Pathfinder Bancorp has a beta of 0.13, meaning that its share price is 87% less volatile than the broader market. Comparatively, Chain Bridge Bancorp has a beta of 0.2, meaning that its share price is 80% less volatile than the broader market.

In the previous week, Chain Bridge Bancorp had 3 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 3 mentions for Chain Bridge Bancorp and 0 mentions for Pathfinder Bancorp. Chain Bridge Bancorp's average media sentiment score of 1.01 beat Pathfinder Bancorp's score of 0.00 indicating that Chain Bridge Bancorp is being referred to more favorably in the news media.

Company Overall Sentiment
Pathfinder Bancorp Neutral
Chain Bridge Bancorp Positive

Chain Bridge Bancorp has a net margin of 38.64% compared to Pathfinder Bancorp's net margin of -1.70%. Chain Bridge Bancorp's return on equity of 15.42% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Pathfinder Bancorp-1.70% -1.08% -0.09%
Chain Bridge Bancorp 38.64%15.42%1.44%

26.7% of Pathfinder Bancorp shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 25.4% of Chain Bridge Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Pathfinder Bancorp$79.15M1.03-$1.93M-$0.21N/A
Chain Bridge Bancorp$65.24M4.64$20.24M$4.0611.36

Summary

Chain Bridge Bancorp beats Pathfinder Bancorp on 12 of the 14 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Isabella Bank?

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

26.7% of Pathfinder Bancorp shares are held by institutional investors. 1.3% of Isabella Bank shares are held by insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Isabella Bank$112M2.66$18.91M$2.7214.34
Pathfinder Bancorp$79.15M1.03-$1.93M-$0.21N/A

Isabella Bank has a net margin of 16.78% compared to Pathfinder Bancorp's net margin of -1.70%. Isabella Bank's return on equity of 8.48% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Isabella Bank16.78% 8.48% 0.89%
Pathfinder Bancorp -1.70%-1.08%-0.09%

In the previous week, Isabella Bank had 1 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 1 mentions for Isabella Bank and 0 mentions for Pathfinder Bancorp. Isabella Bank's average media sentiment score of 1.84 beat Pathfinder Bancorp's score of 0.00 indicating that Isabella Bank is being referred to more favorably in the media.

Company Overall Sentiment
Isabella Bank Very Positive
Pathfinder Bancorp Neutral

Isabella Bank currently has a consensus price target of $43.00, indicating a potential upside of 10.23%. Given Isabella Bank's higher possible upside, research analysts plainly believe Isabella Bank is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Isabella Bank
1 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
2.00
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

Isabella Bank pays an annual dividend of $1.12 per share and has a dividend yield of 2.9%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Isabella Bank pays out 41.2% 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. Pathfinder Bancorp has raised its dividend for 1 consecutive years.

Summary

Isabella Bank beats Pathfinder Bancorp on 13 of the 17 factors compared between the two stocks.

How does Pathfinder Bancorp compare to Princeton Bancorp?

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

In the previous week, Princeton Bancorp had 3 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 3 mentions for Princeton Bancorp and 0 mentions for Pathfinder Bancorp. Princeton Bancorp's average media sentiment score of 1.76 beat Pathfinder Bancorp's score of 0.00 indicating that Princeton Bancorp is being referred to more favorably in the media.

Company Overall Sentiment
Princeton Bancorp Very Positive
Pathfinder Bancorp Neutral

Princeton Bancorp has a beta of 0.47, indicating that its stock price is 53% less volatile than the broader market. Comparatively, Pathfinder Bancorp has a beta of 0.13, indicating that its stock price is 87% less volatile than the broader market.

Princeton Bancorp has a net margin of 18.99% compared to Pathfinder Bancorp's net margin of -1.70%. Princeton Bancorp's return on equity of 9.48% beat Pathfinder Bancorp's return on equity.

Company Net Margins Return on Equity Return on Assets
Princeton Bancorp18.99% 9.48% 1.15%
Pathfinder Bancorp -1.70%-1.08%-0.09%

Princeton Bancorp pays an annual dividend of $1.40 per share and has a dividend yield of 3.2%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Princeton Bancorp pays out 36.8% 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. Pathfinder Bancorp has increased its dividend for 1 consecutive years.

Princeton Bancorp presently has a consensus target price of $37.50, suggesting a potential downside of 13.89%. Given Princeton Bancorp's stronger consensus rating and higher possible upside, equities research analysts clearly believe Princeton Bancorp is more favorable than Pathfinder Bancorp.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Princeton Bancorp
0 Sell rating(s)
2 Hold rating(s)
1 Buy rating(s)
1 Strong Buy rating(s)
2.75
Pathfinder Bancorp
0 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

43.4% of Princeton Bancorp shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 23.1% of Princeton Bancorp shares are owned by insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are owned 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.

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

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Princeton Bancorp$139.02M2.13$18.61M$3.8011.46
Pathfinder Bancorp$79.15M1.03-$1.93M-$0.21N/A

Summary

Princeton Bancorp beats Pathfinder Bancorp on 18 of the 20 factors compared between the two stocks.

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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$79.82M$23.90B$14.04B$12.88B
Dividend Yield2.45%3.16%5.91%9.16%
P/E Ratio-79.5727.1425.7825.29
Price / Sales1.039.35504.61118.63
Price / CashN/A16.1640.7052.32
Price / Book0.651.382.766.26
Net Income-$1.93M$2.58B$1.32B$357.86M
7 Day Performance7.12%-0.68%2.42%-0.59%
1 Month Performance2.11%0.33%0.66%-1.07%
1 Year Performance11.18%23.28%10.53%11.31%

Pathfinder Bancorp Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
PBHC
Pathfinder Bancorp
1.6937 of 5 stars
$16.71
+2.5%
N/A+10.1%$79.82M$79.15MN/A170
CFFI
C&F Financial
1.8288 of 5 stars
$91.61
+0.2%
N/A+31.3%$297.24M$186.13M10.22610
MYFW
First Western Financial
3.0132 of 5 stars
$31.02
+1.9%
$32.00
+3.2%
+31.8%$297.15M$186.36M16.68310
CBNA
Chain Bridge Bancorp
2.1644 of 5 stars
$46.71
+3.2%
$42.17
-9.7%
+48.4%$296.92M$59.32M11.5084
ISBA
Isabella Bank
3.734 of 5 stars
$39.85
+3.4%
$43.00
+7.9%
+20.0%$294.09M$82.99M14.65330

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This page (NASDAQ:PBHC) was last updated on 9/10/2026 by MarketBeat.com Staff.
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