Auburn National Bancorporation, Inc. (AUBN) vs Pathfinder Bancorp, Inc. (PBHC)

Auburn National Bancorporation, Inc. and Pathfinder Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. is the larger, with a market value of $108.9M against $94.7M — 1.1× the size. Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Auburn National Bancorporation, Inc. trades at 11.3×. Auburn National Bancorporation, Inc. grew revenue faster over the last twelve months: 4.58% against −8.03%. Auburn National Bancorporation, Inc. has the higher net margin (18.6% vs 0.20%) and the higher return on invested capital (0.00% vs −1.09%). Both pay a dividend; Auburn National Bancorporation, Inc. yields more (5.30% vs 3.06%). Across the 19 metrics below, Auburn National Bancorporation, Inc. leads on 15 and Pathfinder Bancorp, Inc. on 4.

Valuation

Metric AUBN PBHC Banks Regional median
P/E 11.30 n/m 12.15
P/S 2.11 1.38 2.37
P/B 1.01 0.87 1.21
Price to free cash flow 9.16 9.88 10.80
EV/EBITDA n/m n/m —
EV/Sales (2.58) 0.99 2.27
Earnings yield 8.85% (1.27%) 8.11%
Free cash flow yield 10.92% 10.12% 8.98%

Profitability

Metric AUBN PBHC Banks Regional median
Gross margin 75.98% 61.13% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 18.60% 0.20% 18.66%
Free cash flow margin 23.02% 13.98% 21.18%
Return on equity 9.32% 0.13% 10.64%
Return on assets 0.79% 0.01% 1.13%
Return on invested capital 0.00% (1.09%) 8.33%

Growth

Metric AUBN PBHC Banks Regional median
Revenue growth (TTM) 4.58% (8.03%) 6.61%
EPS growth (last fiscal year) 13.66% (151.87%) —
Revenue growth, 5-year CAGR 5.51% 10.07% 12.30%
Net income growth, 5-year CAGR (0.54%) 0.00% 9.71%

Health

Metric AUBN PBHC Banks Regional median
Debt to equity 0.00 0.07 0.22
Current ratio 0.79 0.69 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AUBN PBHC Banks Regional median
Dividend yield 5.30% 3.06% 3.75%
Payout ratio 0.36 0.19 0.27

Size

Metric AUBN PBHC Banks Regional median
Market cap 94.73m 108.93m 921.07m

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