Pathfinder Bancorp, Inc. (PBHC) vs Union Bankshares, Inc. (UNB)
Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are of similar size ($116.2M and $108.9M). Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Union Bankshares, Inc. trades at 9.0×. 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 (4.93% vs 3.06%). Across the 19 metrics below, Union Bankshares, Inc. leads on 15 and Pathfinder Bancorp, Inc. on 4.
Valuation
Profitability
| Metric | PBHC | UNB | Banks Regional median |
|---|---|---|---|
| Gross margin | 61.13% | 63.32% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 0.20% | 13.40% | 18.66% |
| Free cash flow margin | 13.98% | 23.57% | 21.18% |
| Return on equity | 0.13% | 14.98% | 10.64% |
| Return on assets | 0.01% | 0.80% | 1.13% |
| Return on invested capital | (1.09%) | 12.37% | 8.33% |
Growth
Health
Dividend
Size
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