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 $105.6M against $96.0M — 1.1× the size. First Northwest Bancorp has negative trailing earnings, so its P/E is not meaningful; Pathfinder Bancorp, Inc. trades at 836×. First Northwest Bancorp grew revenue faster over the last twelve months: −5.00% against −8.03%. Pathfinder Bancorp, Inc. has the higher net margin (0.20% vs −0.04%) and the lower return on invested capital (−1.09% vs −0.11%). Only Pathfinder Bancorp, Inc. pays a dividend (2.39%). Across the 17 metrics below, Pathfinder Bancorp, Inc. leads on 10 and First Northwest Bancorp on 7.

Valuation

Metric FNWB PBHC Banks Regional median
P/E n/m 836.00 12.02
P/S 0.80 1.33 2.36
P/B 0.60 0.83 1.23
Price to free cash flow 17.98 9.52 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield (0.13%) 0.12% 8.21%
Free cash flow yield 5.56% 10.50% 9.23%

Profitability

Metric FNWB PBHC Banks Regional median
Gross margin 60.06% 61.13% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin (0.04%) 0.20% 18.82%
Free cash flow margin 5.20% 13.98% 17.97%
Return on equity (0.03%) 0.13% 10.28%
Return on assets 0.00% 0.01% 1.13%
Return on invested capital (0.11%) (1.09%) 8.45%

Growth

Metric FNWB PBHC Banks Regional median
Revenue growth (TTM) (5.00%) (8.03%) 6.37%
EPS growth (last fiscal year) 36.00% (157.63%) 18.85%
Revenue growth, 5-year CAGR 11.93% 10.07% 12.65%
Net income growth, 5-year CAGR 0.00% 0.00% 9.81%

Health

Metric FNWB PBHC Banks Regional median
Debt to equity 2.09 0.07 0.17
Current ratio 1.04 0.69 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FNWB PBHC Banks Regional median
Dividend yield 0.00% 2.39% 2.49%
Payout ratio 0.00 20.00 0.29

Size

Metric FNWB PBHC Banks Regional median
Market cap 96.03m 105.64m 934.85m

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