Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) and Credit Agricole (OTCMKTS:CRARY – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their valuation, risk, earnings, institutional ownership, profitability, dividends and analyst recommendations.
Dividends
Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Credit Agricole pays an annual dividend of $0.60 per share and has a dividend yield of 6.9%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. Credit Agricole pays out 53.6% 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 increased its dividend for 1 consecutive years.
Profitability
This table compares Pathfinder Bancorp and Credit Agricole’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pathfinder Bancorp | -1.70% | -1.08% | -0.09% |
| Credit Agricole | 23.39% | 31.64% | 1.14% |
Analyst Recommendations
This is a breakdown of recent ratings and target prices for Pathfinder Bancorp and Credit Agricole, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pathfinder Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Credit Agricole | 0 | 4 | 1 | 0 | 2.20 |
Institutional & Insider Ownership
26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 0.6% of Credit Agricole shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Risk and Volatility
Pathfinder Bancorp has a beta of 0.12, suggesting that its share price is 88% less volatile than the S&P 500. Comparatively, Credit Agricole has a beta of 0.64, suggesting that its share price is 36% less volatile than the S&P 500.
Valuation and Earnings
This table compares Pathfinder Bancorp and Credit Agricole”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pathfinder Bancorp | $79.15 million | 1.05 | -$1.93 million | ($0.21) | -80.83 |
| Credit Agricole | $31.76 billion | 1.68 | $8.00 billion | $1.12 | 7.79 |
Credit Agricole has higher revenue and earnings than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Credit Agricole, indicating that it is currently the more affordable of the two stocks.
Summary
Credit Agricole beats Pathfinder Bancorp on 12 of the 16 factors compared between the two stocks.
About Pathfinder Bancorp
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 Credit Agricole
Crédit Agricole S.A. provides retail, corporate, insurance, and investment banking products and services in France and internationally. It operates through French Retail Banking Regional Banks; French Retail Banking – LCL; International Retail Banking; Asset Gathering; Large Customers; and Specialised Financial Services segments. The company offers banking products and services, finance, savings, wealth management, payment, and cash flow management services; consumer finance products; savings/retirement, death and disability/creditor/group, and property and casualty insurance products; investment solutions; and banking and specialized financial services. It also provides investment banking, structured finance, international trade finance, commercial banking, capital market, and syndication services; financing solutions for property and equipment investment and renewal requirements; trade receivable financing and management solutions for corporates; asset servicing solutions for investment products, as well as various asset classes, such as execution, clearing, forex, security lending and borrowing, custody, depositary bank, fund administration, middle-office outsourcing solutions, and fund distribution support and issuer services; and online banking services. The company serves retail customers, corporates, banks and financial institutions, government agencies, and local authorities. Crédit Agricole S.A. was founded in 1894 and is headquartered in Montrouge, France. Crédit Agricole S.A. operates as a subsidiary of SAS Rue La Boetie.
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