Head to Head Survey: Pathfinder Bancorp (NASDAQ:PBHC) versus Bank of N.T. Butterfield & Son (NYSE:NTB)

Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) and Bank of N.T. Butterfield & Son (NYSE:NTB – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, profitability, dividends, analyst recommendations, earnings, institutional ownership and valuation.

Earnings & Valuation

This table compares Pathfinder Bancorp and Bank of N.T. Butterfield & Son”s top-line revenue, earnings per share and valuation.

Bank of N.T. Butterfield & Son has higher revenue and earnings than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Bank of N.T. Butterfield & Son, indicating that it is currently the more affordable of the two stocks.

Dividends

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Bank of N.T. Butterfield & Son pays an annual dividend of $2.00 per share and has a dividend yield of 3.4%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. Bank of N.T. Butterfield & Son pays out 35.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pathfinder Bancorp has raised its dividend for 1 consecutive years.

Profitability

This table compares Pathfinder Bancorp and Bank of N.T. Butterfield & Son’s net margins, return on equity and return on assets.

Risk & Volatility

Pathfinder Bancorp has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Bank of N.T. Butterfield & Son has a beta of 0.51, indicating that its share price is 49% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and target prices for Pathfinder Bancorp and Bank of N.T. Butterfield & Son, as reported by MarketBeat.com.

Bank of N.T. Butterfield & Son has a consensus price target of $63.50, indicating a potential upside of 6.98%. Given Bank of N.T. Butterfield & Son’s stronger consensus rating and higher probable upside, analysts plainly believe Bank of N.T. Butterfield & Son is more favorable than Pathfinder Bancorp.

Insider and Institutional Ownership

26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 62.7% of Bank of N.T. Butterfield & Son shares are owned by institutional investors. 15.7% of Pathfinder Bancorp shares are owned by company insiders. Comparatively, 1.2% of Bank of N.T. Butterfield & Son shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Summary

Bank of N.T. Butterfield & Son beats Pathfinder Bancorp on 14 of the 17 factors compared between the two stocks.

About Pathfinder Bancorp

(Get Free Report)

Pathfinder Bancorp, Inc. operates as a bank holding company for Pathfinder Bank that provides various banking and financial products and services in New York. The company's deposit products include checking, savings, and money market deposit accounts; certificates of deposit; and demand and time deposits. Its loan portfolio comprises commercial real estate, commercial, residential real estate, construction, and tax-exempt loans; home equity loans and junior liens; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. The company was founded in 1859 and is headquartered in Oswego, New York.

About Bank of N.T. Butterfield & Son

(Get Free Report)

The Bank of N.T. Butterfield & Son Ltd. provides community banking and wealth management business. The firm operates through the following geographical segments: Bermuda, the Cayman Islands, Channel Islands and the UK, and Other. The Bermuda and Cayman segments offer retail banking and wealth management. The Channel Islands and the UK segment refers to the retail and corporate banking and wealth management. The Other segment includes operations in the jurisdictions of The Bahamas, Canada, Mauritius, Singapore and Switzerland. The company was founded in 1858 and is headquartered in Hamilton, Bermuda.