stockrowPathfinder Bancorp, Inc. (PBHC) vs Union Bankshares, Inc. (UNB)
- Pathfinder Bancorp, Inc. PBHC 16.71 −0.06%
- Union Bankshares, Inc. UNB 22.73 −0.09%
Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are of similar size ($112.5M and $105.6M). Union Bankshares, Inc. trades at the lower P/E: 8.6× against 836×. Union Bankshares, Inc. grew revenue faster over the last twelve months: 9.68% against −8.03%. Union Bankshares, Inc. has the higher net margin (13.4% vs 0.20%) and the higher return on invested capital (12.4% vs −1.09%). Both pay a dividend; Union Bankshares, Inc. yields more (6.39% vs 2.39%). Across the 19 metrics below, Union Bankshares, Inc. leads on 16 and Pathfinder Bancorp, Inc. on 3.
Valuation
Profitability
| Metric | PBHC | UNB | Banks Regional median |
|---|---|---|---|
| Gross margin | 61.13% | 63.32% | 69.81% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 0.20% | 13.40% | 18.82% |
| Free cash flow margin | 13.98% | 23.57% | 17.97% |
| Return on equity | 0.13% | 14.98% | 10.28% |
| Return on assets | 0.01% | 0.80% | 1.13% |
| Return on invested capital | (1.09%) | 12.37% | 8.45% |
Growth
Health
Dividend
Size
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