First Northwest Bancorp (FNWB) vs Pathfinder Bancorp, Inc. (PBHC)

First Northwest Bancorp and Pathfinder Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. is the larger, with a market value of $108.9M against $95.6M — 1.1× the size. Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; First Northwest Bancorp trades at 62.5×. First Northwest Bancorp grew revenue faster over the last twelve months: −4.89% against −8.03%. First Northwest Bancorp has the higher net margin (1.32% vs 0.20%) and the higher return on invested capital (0.13% vs −1.09%). Both pay a dividend; Pathfinder Bancorp, Inc. yields more (3.06% vs 2.08%). Across the 18 metrics below, First Northwest Bancorp leads on 14 and Pathfinder Bancorp, Inc. on 4.

Valuation

Metric FNWB PBHC Banks Regional median
P/E 62.54 n/m 12.15
P/S 0.79 1.38 2.37
P/B 0.56 0.87 1.21
Price to free cash flow 5.39 9.88 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.68 0.99 2.27
Earnings yield 1.60% (1.27%) 8.11%
Free cash flow yield 18.54% 10.12% 8.98%

Profitability

Metric FNWB PBHC Banks Regional median
Gross margin 59.52% 61.13% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 1.32% 0.20% 18.66%
Free cash flow margin 14.57% 13.98% 21.18%
Return on equity 0.97% 0.13% 10.64%
Return on assets 0.07% 0.01% 1.13%
Return on invested capital 0.13% (1.09%) 8.33%

Growth

Metric FNWB PBHC Banks Regional median
Revenue growth (TTM) (4.89%) (8.03%) 6.61%
EPS growth (last fiscal year) 36.00% (151.87%) —
Revenue growth, 5-year CAGR 11.93% 10.07% 12.30%
Net income growth, 5-year CAGR 0.00% 0.00% 9.71%

Health

Metric FNWB PBHC Banks Regional median
Debt to equity 1.98 0.07 0.22
Current ratio 1.04 0.69 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB PBHC Banks Regional median
Dividend yield 2.08% 3.06% 3.75%
Payout ratio 0.16 0.19 0.27

Size

Metric FNWB PBHC Banks Regional median
Market cap 95.59m 108.93m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack