PBHC vs. FUSB, VBFC, BOTJ, FBSS, SSBK, MVBF, SBNY, USCB, CIVB, and BCML
Should you be buying Pathfinder Bancorp stock or one of its competitors? The main competitors of Pathfinder Bancorp include First US Bancshares (FUSB), Village Bank and Trust Financial (VBFC), Bank of the James Financial Group (BOTJ), Fauquier Bankshares (FBSS), Southern States Bancshares (SSBK), MVB Financial (MVBF), Signature Bank (SBNY), USCB Financial (USCB), Civista Bancshares (CIVB), and BayCom (BCML). These companies are all part of the "finance" sector.
Pathfinder Bancorp (NASDAQ:PBHC) and First US Bancshares (NASDAQ:FUSB) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, profitability, analyst recommendations, risk, valuation, institutional ownership, community ranking, earnings and media sentiment.
Pathfinder Bancorp has higher revenue and earnings than First US Bancshares. First US Bancshares 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 42 more outperform votes than First US Bancshares when rated by MarketBeat users. Likewise, 63.10% of users gave Pathfinder Bancorp an outperform vote while only 57.14% of users gave First US Bancshares an outperform vote.
Pathfinder Bancorp has a beta of 0.13, meaning that its stock price is 87% less volatile than the S&P 500. Comparatively, First US Bancshares has a beta of 0.94, meaning that its stock price is 6% less volatile than the S&P 500.
26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 18.7% of First US Bancshares shares are owned by institutional investors. 22.4% of Pathfinder Bancorp shares are owned by insiders. Comparatively, 11.2% of First US Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.
First US Bancshares has a net margin of 14.55% compared to Pathfinder Bancorp's net margin of 11.50%. First US Bancshares' return on equity of 9.57% beat Pathfinder Bancorp's return on equity.
Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.2%. First US Bancshares pays an annual dividend of $0.20 per share and has a dividend yield of 2.0%. Pathfinder Bancorp pays out 28.2% of its earnings in the form of a dividend. First US Bancshares pays out 14.9% 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.
In the previous week, First US Bancshares had 2 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 4 mentions for First US Bancshares and 2 mentions for Pathfinder Bancorp. First US Bancshares' average media sentiment score of 1.10 beat Pathfinder Bancorp's score of 0.94 indicating that First US Bancshares is being referred to more favorably in the news media.
Summary
Pathfinder Bancorp beats First US Bancshares on 9 of the 17 factors compared between the two stocks.
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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.
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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