Pathfinder Bancorp (NASDAQ:PBHC) and MALAGA FINL COR/SH (OTCMKTS:MLGF) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, earnings, dividends and risk.

Risk & Volatility

Pathfinder Bancorp has a beta of -0.38, suggesting that its share price is 138% less volatile than the S&P 500. Comparatively, MALAGA FINL COR/SH has a beta of 0.14, suggesting that its share price is 86% less volatile than the S&P 500.

Insider & Institutional Ownership

18.8% of Pathfinder Bancorp shares are owned by institutional investors. 20.0% of Pathfinder Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Earnings and Valuation

This table compares Pathfinder Bancorp and MALAGA FINL COR/SH’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pathfinder Bancorp $38.84 million 1.96 $4.03 million N/A N/A
MALAGA FINL COR/SH N/A N/A $13.50 million N/A N/A

MALAGA FINL COR/SH has lower revenue, but higher earnings than Pathfinder Bancorp.

Dividends

Pathfinder Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.5%. MALAGA FINL COR/SH pays an annual dividend of $1.00 per share and has a dividend yield of 4.3%. Pathfinder Bancorp has raised its dividend for 3 consecutive years.

Analyst Recommendations

This is a summary of current ratings for Pathfinder Bancorp and MALAGA FINL COR/SH, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pathfinder Bancorp 0 0 0 0 N/A
MALAGA FINL COR/SH 0 0 0 0 N/A

Profitability

This table compares Pathfinder Bancorp and MALAGA FINL COR/SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Pathfinder Bancorp 8.79% 5.50% 0.38%
MALAGA FINL COR/SH N/A N/A N/A

Summary

Pathfinder Bancorp beats MALAGA FINL COR/SH on 7 of the 10 factors compared between the two stocks.

About Pathfinder Bancorp

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; 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. As of April 4, 2018, it operated nine full service offices. The company also operates one loan production office in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

About MALAGA FINL COR/SH

Malaga Financial Corporation operates as the holding company for Malaga Bank that provides various community banking products and services to personal and business customers. The company offers checking accounts, savings accounts, money market accounts, and certificates of deposit. It also provides business loans and lines of credit, revolving lines of credit, term loans, lease and loan consolidation, equity lines of credit, small business administration loans, and special and income property loans, as well as personal loans and overdraft lines of credit. In addition, the company offers real estate loans comprising residential, construction, commercial, and apartment loans, as well as home equity lines of credit. Further, it provides U.S. savings bond redemption, coupon redemption, wire and telephone transfer, online and mobile banking, bill payer, e-statement, direct deposits, and ATM and VISA debit cards, as well as safe deposit boxes, notary, medallion signature guarantee, trust deed note collection, night depository, bank by mail, and photocopying services. As of April 17, 2018, the company operated six offices in the South Bay area of Los Angeles. Malaga Financial Corporation was founded in 1985 and is headquartered in Palos Verdes Estates, California.

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