Fifth District Bancorp, Inc. (FDSB) vs Pathfinder Bancorp, Inc. (PBHC)

Fifth District Bancorp, Inc. and Pathfinder Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. is the larger, with a market value of $108.9M against $93.3M — 1.2× the size. Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Fifth District Bancorp, Inc. trades at 52.6×. Fifth District Bancorp, Inc. grew revenue faster over the last twelve months: −6.98% against −8.03%. Fifth District Bancorp, Inc. has the higher net margin (6.97% vs 0.20%) and the higher return on invested capital (1.10% vs −1.09%). Across the 16 metrics below, Fifth District Bancorp, Inc. leads on 11 and Pathfinder Bancorp, Inc. on 5.

Valuation

Metric FDSB PBHC Banks Regional median
P/E 52.65 n/m 12.15
P/S 3.67 1.38 2.37
P/B 0.68 0.87 1.21
Price to free cash flow 69.18 9.88 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.12 0.99 2.27
Earnings yield 1.90% (1.27%) 8.11%
Free cash flow yield 1.45% 10.12% 8.98%

Profitability

Metric FDSB PBHC Banks Regional median
Gross margin 62.97% 61.13% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 6.97% 0.20% 18.66%
Free cash flow margin 5.31% 13.98% 21.18%
Return on equity 1.27% 0.13% 10.64%
Return on assets 0.31% 0.01% 1.13%
Return on invested capital 1.10% (1.09%) 8.33%

Growth

Metric FDSB PBHC Banks Regional median
Revenue growth (TTM) (6.98%) (8.03%) 6.61%
EPS growth (last fiscal year) 480.95% (151.87%) —
Revenue growth, 5-year CAGR — 10.07% 12.30%
Net income growth, 5-year CAGR — 0.00% 9.71%

Health

Metric FDSB PBHC Banks Regional median
Debt to equity 0.05 0.07 0.22
Current ratio 1.06 0.69 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FDSB PBHC Banks Regional median
Dividend yield — 3.06% 3.75%
Payout ratio — 0.19 0.27

Size

Metric FDSB PBHC Banks Regional median
Market cap 93.30m 108.93m 921.07m

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