Pathfinder Bancorp, Inc. (PBHC) vs Winchester Bancorp, Inc. (WSBK)

Pathfinder Bancorp, Inc. and Winchester Bancorp, Inc. are both Banks Regional companies. Pathfinder Bancorp, Inc. and Winchester Bancorp, Inc. are of similar size ($113.8M and $108.9M). Winchester Bancorp, Inc. grew revenue faster over the last twelve months: 16.1% against −8.03%. Winchester Bancorp, Inc. has the higher net margin (8.56% vs 0.20%) and the higher return on invested capital (1.64% vs −1.09%). Across the 14 metrics below, Pathfinder Bancorp, Inc. leads on 8 and Winchester Bancorp, Inc. on 6.

Valuation

Metric PBHC WSBK Banks Regional median
P/E n/m — 12.15
P/S 1.38 2.21 2.37
P/B 0.87 0.95 1.21
Price to free cash flow 9.88 21.75 10.80
EV/EBITDA n/m n/m —
EV/Sales 0.99 4.11 2.27
Earnings yield (1.27%) — 8.11%
Free cash flow yield 10.12% 4.60% 8.98%

Profitability

Metric PBHC WSBK Banks Regional median
Gross margin 61.13% 50.85% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.20% 8.56% 18.66%
Free cash flow margin 13.98% 10.17% 21.18%
Return on equity 0.13% 3.75% 10.64%
Return on assets 0.01% 0.43% 1.13%
Return on invested capital (1.09%) 1.64% 8.33%

Growth

Metric PBHC WSBK Banks Regional median
Revenue growth (TTM) (8.03%) 16.05% 6.61%
EPS growth (last fiscal year) (151.87%) — —
Revenue growth, 5-year CAGR 10.07% — 12.30%
Net income growth, 5-year CAGR 0.00% — 9.71%

Health

Metric PBHC WSBK Banks Regional median
Debt to equity 0.07 1.31 0.22
Current ratio 0.69 1.15 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PBHC WSBK Banks Regional median
Dividend yield 3.06% — 3.75%
Payout ratio 0.19 — 0.27

Size

Metric PBHC WSBK Banks Regional median
Market cap 108.93m 113.80m 921.07m

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