Pathfinder Bancorp, Inc. (PBHC) vs Sound Financial Bancorp, Inc. (SFBC)
- Pathfinder Bancorp, Inc. PBHC 17.08 +2.28%
- Sound Financial Bancorp, Inc. SFBC 43.51 −0.05%
Pathfinder Bancorp, Inc. and Sound Financial Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. and Sound Financial Bancorp, Inc. are of similar size ($111.8M and $106.5M). Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Sound Financial Bancorp, Inc. trades at 13.9×. Sound Financial Bancorp, Inc. grew revenue faster over the last twelve months: −0.76% against −8.03%. Sound Financial Bancorp, Inc. has the higher net margin (12.8% vs 0.20%) and the higher return on invested capital (1,916.1% vs −1.09%). Both pay a dividend; Pathfinder Bancorp, Inc. yields more (2.93% vs 1.88%). Across the 18 metrics below, Pathfinder Bancorp, Inc. leads on 9 and Sound Financial Bancorp, Inc. on 9.
Valuation
Profitability
| Metric | PBHC | SFBC | Banks Regional median |
|---|---|---|---|
| Gross margin | 61.13% | 64.69% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 0.20% | 12.84% | 18.66% |
| Free cash flow margin | 13.98% | 11.77% | 21.11% |
| Return on equity | 0.13% | 7.33% | 10.65% |
| Return on assets | 0.01% | 0.75% | 1.13% |
| Return on invested capital | (1.09%) | 1,916.08% | 8.35% |
Growth
Health
Dividend
Size
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