Pathfinder Bancorp (PBHC) Competitors

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

Which has more risk and volatility, PBHC or PBFS?

Pathfinder Bancorp has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500.

Is PBHC or PBFS more profitable?

Pioneer Bancorp has a net margin of 16.26% compared to Pathfinder Bancorp's net margin of 4.28%. Pioneer Bancorp's return on equity of 6.16% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	4.28%	3.07%	0.26%
Pioneer Bancorp	16.26%	6.16%	0.93%

Does the media prefer PBHC or PBFS?

In the previous week, Pathfinder Bancorp had 3 more articles in the media than Pioneer Bancorp. MarketBeat recorded 5 mentions for Pathfinder Bancorp and 2 mentions for Pioneer Bancorp. Pathfinder Bancorp's average media sentiment score of 0.73 beat Pioneer Bancorp's score of 0.44 indicating that Pathfinder Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Pathfinder Bancorp	Positive
Pioneer Bancorp	Neutral

Do institutionals and insiders have more ownership in PBHC or PBFS?

26.7% of Pathfinder Bancorp shares are held by institutional investors. 22.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 1.8% of Pioneer Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Does the MarketBeat Community prefer PBHC or PBFS?

Pathfinder Bancorp received 103 more outperform votes than Pioneer Bancorp when rated by MarketBeat users. Likewise, 63.10% of users gave Pathfinder Bancorp an outperform vote while only 42.86% of users gave Pioneer Bancorp an outperform vote.

Company	Underperform	Outperform
Pathfinder Bancorp	Outperform Votes 118 63.10%	Underperform Votes 69 36.90%
Pioneer Bancorp	Outperform Votes 15 42.86%	Underperform Votes 20 57.14%

Which has stronger earnings and valuation, PBHC or PBFS?

Pioneer Bancorp has higher revenue and earnings than Pathfinder Bancorp. Pioneer Bancorp 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	$46.56M	1.56	$3.76M	$0.60	25.70
Pioneer Bancorp	$79.44M	3.74	$15.26M	$0.73	15.77

Summary

Pioneer Bancorp beats Pathfinder Bancorp on 8 of the 15 factors compared between the two stocks.