Pathfinder Bancorp, Inc. (PBHC) vs Union Bankshares, Inc. (UNB)
- Pathfinder Bancorp, Inc. PBHC 17.08 +2.28%
- Union Bankshares, Inc. UNB 23.03 +1.19%
Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. and Union Bankshares, Inc. are of similar size ($112.6M and $106.5M). Pathfinder Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Union Bankshares, Inc. trades at 8.8×. 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 (6.25% vs 2.34%). Across the 18 metrics below, Union Bankshares, Inc. leads on 15 and Pathfinder Bancorp, Inc. on 3.
Valuation
Profitability
| Metric | PBHC | UNB | Banks Regional median |
|---|---|---|---|
| Gross margin | 61.13% | 63.32% | 69.55% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 0.20% | 13.40% | 18.66% |
| Free cash flow margin | 13.98% | 23.57% | 21.11% |
| Return on equity | 0.13% | 14.98% | 10.65% |
| Return on assets | 0.01% | 0.80% | 1.13% |
| Return on invested capital | (1.09%) | 12.37% | 8.35% |
Growth
Health
Dividend
Size
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