FIRST US BANCSH (FUSB) vs Pathfinder Bancorp, Inc. (PBHC)
- FIRST US BANCSH FUSB 16.48 +0.18%
- Pathfinder Bancorp, Inc. PBHC 17.08 +2.28%
FIRST US BANCSH and Pathfinder Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. is the larger, with a market value of $106.5M against $90.6M — 1.2× the size. Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; FIRST US BANCSH trades at 12.2×. FIRST US BANCSH grew revenue faster over the last twelve months: 3.61% against −8.03%. FIRST US BANCSH has the higher net margin (12.1% vs 0.20%) and the higher return on invested capital (12.3% vs −1.09%). Both pay a dividend; Pathfinder Bancorp, Inc. yields more (2.93% vs 1.70%). Across the 18 metrics below, FIRST US BANCSH leads on 13 and Pathfinder Bancorp, Inc. on 5.
Valuation
Profitability
| Metric | FUSB | PBHC | Banks Regional median |
|---|---|---|---|
| Gross margin | 65.18% | 61.13% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 12.10% | 0.20% | 18.66% |
| Free cash flow margin | 16.56% | 13.98% | 21.11% |
| Return on equity | 7.53% | 0.13% | 10.65% |
| Return on assets | 0.68% | 0.01% | 1.13% |
| Return on invested capital | 12.31% | (1.09%) | 8.35% |
Growth
Health
Dividend
Size
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