Pathfinder Bancorp (PBHC) Competitors

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

Which has more volatility & risk, PBHC or FRST?

Pathfinder Bancorp has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500. Comparatively, Primis Financial has a beta of 0.8, indicating that its stock price is 20% less volatile than the S&P 500.

Is PBHC or FRST a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.7%. Primis Financial pays an annual dividend of $0.40 per share and has a dividend yield of 3.5%. Pathfinder Bancorp pays out 114.3% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Primis Financial pays out -444.4% of its earnings in the form of a dividend. Pathfinder Bancorp has raised its dividend for 1 consecutive years. Primis Financial is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do insiders & institutionals have more ownership in PBHC or FRST?

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 75.0% of Primis Financial shares are held by institutional investors. 15.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 11.0% of Primis Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Is PBHC or FRST more profitable?

Pathfinder Bancorp has a net margin of 2.98% compared to Primis Financial's net margin of -0.93%. Pathfinder Bancorp's return on equity of 2.16% beat Primis Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	2.98%	2.16%	0.18%
Primis Financial	-0.93%	-2.02%	-0.20%

Which has better valuation & earnings, PBHC or FRST?

Pathfinder Bancorp has higher earnings, but lower revenue than Primis Financial. Primis Financial is trading at a lower price-to-earnings ratio than Pathfinder Bancorp, 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	$87.92M	0.79	$3.38M	$0.35	41.73
Primis Financial	$145.96M	1.91	-$16.20M	-$0.09	-125.56

Do analysts prefer PBHC or FRST?

Primis Financial has a consensus target price of $7.50, suggesting a potential downside of 33.63%. Given Primis Financial's stronger consensus rating and higher probable upside, analysts clearly believe Primis Financial 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
Primis Financial	0 Sell rating(s)	0 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	3.00

Does the media prefer PBHC or FRST?

In the previous week, Pathfinder Bancorp had 1 more articles in the media than Primis Financial. MarketBeat recorded 3 mentions for Pathfinder Bancorp and 2 mentions for Primis Financial. Primis Financial's average media sentiment score of 1.65 beat Pathfinder Bancorp's score of 0.68 indicating that Primis Financial is being referred to more favorably in the news media.

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

Summary

Primis Financial beats Pathfinder Bancorp on 10 of the 19 factors compared between the two stocks.