PBHC vs. COFS, INBK, PBFS, SNFCA, SFST, BCML, CZFS, PCB, GHI, and LNKB
Should you be buying Pathfinder Bancorp stock or one of its competitors? The main competitors of Pathfinder Bancorp include ChoiceOne Financial Services (COFS), First Internet Bancorp (INBK), Pioneer Bancorp (PBFS), Security National Financial (SNFCA), Southern First Bancshares (SFST), BayCom (BCML), Citizens Financial Services (CZFS), PCB Bancorp (PCB), Greystone Housing Impact Investors (GHI), and LINKBANCORP (LNKB). These companies are all part of the "banking" industry.
Pathfinder Bancorp vs.
Pathfinder Bancorp (NASDAQ:PBHC) and ChoiceOne Financial Services (NASDAQ:COFS) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, community ranking, analyst recommendations, earnings, media sentiment, risk, institutional ownership, valuation and profitability.
ChoiceOne Financial Services has a net margin of 18.41% compared to Pathfinder Bancorp's net margin of 2.42%. ChoiceOne Financial Services' return on equity of 11.79% beat Pathfinder Bancorp's return on equity.
ChoiceOne Financial Services has a consensus price target of $37.00, indicating a potential upside of 6.66%. Given ChoiceOne Financial Services' stronger consensus rating and higher possible upside, analysts plainly believe ChoiceOne Financial Services is more favorable than Pathfinder Bancorp.
26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 19.9% of ChoiceOne Financial Services shares are held by institutional investors. 22.4% of Pathfinder Bancorp shares are held by insiders. Comparatively, 7.9% of ChoiceOne Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Pathfinder Bancorp has a beta of 0.22, meaning that its stock price is 78% less volatile than the S&P 500. Comparatively, ChoiceOne Financial Services has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500.
ChoiceOne Financial Services has higher revenue and earnings than Pathfinder Bancorp. ChoiceOne Financial Services is trading at a lower price-to-earnings ratio than Pathfinder Bancorp, indicating that it is currently the more affordable of the two stocks.
Pathfinder Bancorp received 117 more outperform votes than ChoiceOne Financial Services when rated by MarketBeat users. Likewise, 63.10% of users gave Pathfinder Bancorp an outperform vote while only 50.00% of users gave ChoiceOne Financial Services an outperform vote.
In the previous week, ChoiceOne Financial Services had 2 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 3 mentions for ChoiceOne Financial Services and 1 mentions for Pathfinder Bancorp. Pathfinder Bancorp's average media sentiment score of 1.25 beat ChoiceOne Financial Services' score of 0.77 indicating that Pathfinder Bancorp is being referred to more favorably in the media.
Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. ChoiceOne Financial Services pays an annual dividend of $1.12 per share and has a dividend yield of 3.2%. Pathfinder Bancorp pays out 125.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. ChoiceOne Financial Services pays out 35.3% of its earnings in the form of a dividend. ChoiceOne Financial Services is clearly the better dividend stock, given its higher yield and lower payout ratio.
Summary
ChoiceOne Financial Services beats Pathfinder Bancorp on 14 of the 20 factors compared between the two stocks.
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New MarketBeat Followers Over Time
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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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This page (NASDAQ:PBHC) was last updated on 1/21/2025 by MarketBeat.com Staff
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