First Bancorp of Indiana (OTCMKTS:FBPI – Get Free Report) and Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.
Insider and Institutional Ownership
26.7% of Pathfinder Bancorp shares are owned by institutional investors. 20.0% of First Bancorp of Indiana shares are owned by insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Volatility & Risk
First Bancorp of Indiana has a beta of 0.13, indicating that its share price is 87% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.14, indicating that its share price is 86% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First Bancorp of Indiana | 0 | 0 | 0 | 0 | 0.00 |
| Pathfinder Bancorp | 1 | 0 | 0 | 0 | 1.00 |
Valuation & Earnings
This table compares First Bancorp of Indiana and Pathfinder Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First Bancorp of Indiana | N/A | N/A | N/A | $0.21 | 67.43 |
| Pathfinder Bancorp | $79.15 million | 0.99 | -$1.93 million | ($0.63) | -25.47 |
First Bancorp of Indiana has higher earnings, but lower revenue than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than First Bancorp of Indiana, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares First Bancorp of Indiana and Pathfinder Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First Bancorp of Indiana | N/A | N/A | N/A |
| Pathfinder Bancorp | -4.96% | -3.20% | -0.27% |
Dividends
First Bancorp of Indiana pays an annual dividend of $0.32 per share and has a dividend yield of 2.3%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.5%. First Bancorp of Indiana pays out 152.4% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Pathfinder Bancorp pays out -63.5% of its earnings in the form of a dividend. Pathfinder Bancorp has increased its dividend for 1 consecutive years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Summary
Pathfinder Bancorp beats First Bancorp of Indiana on 7 of the 13 factors compared between the two stocks.
About First Bancorp of Indiana
First Bancorp of Indiana, Inc. operates as the bank holding company for First Federal Savings Bank, provides various banking products and services to individuals and business customers in the United States. The company accepts various deposits such as certificates of deposit, checking, health savings, individual retirement, money market, and savings accounts; loans include retail loan advisors, consumer loans, such as auto, motorcycle, boat, and recreational vehicle loans; mortgage and home equity loans; and current rates and secured deposits. It also accepts various business deposit accounts including commercial, business, small business, and community first checking accounts; lending services comprising relationship bankers; commercial real estate, equipment, owner occupied and investment real estate financing, as well as working capital line of credit, business loans, and small business administration. In addition, the company provides treasury management, online banking, merchant services, remote capture, and debit and credit card services. First Bancorp of Indiana, Inc. was founded in 1904 and is headquartered in Evansville, Indiana.
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.
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