Bank of N.T. Butterfield & Son (NYSE:NTB – Get Free Report) and Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, institutional ownership, profitability, earnings, valuation, analyst recommendations and dividends.
Institutional and Insider Ownership
62.7% of Bank of N.T. Butterfield & Son shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 1.2% of Bank of N.T. Butterfield & Son shares are held by company insiders. Comparatively, 15.7% of Pathfinder Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Volatility and Risk
Bank of N.T. Butterfield & Son has a beta of 0.51, suggesting that its share price is 49% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.13, suggesting that its share price is 87% less volatile than the S&P 500.
Dividends
Profitability
This table compares Bank of N.T. Butterfield & Son and Pathfinder Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank of N.T. Butterfield & Son | 29.34% | 22.43% | 1.79% |
| Pathfinder Bancorp | -1.70% | -1.08% | -0.09% |
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for Bank of N.T. Butterfield & Son and Pathfinder Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank of N.T. Butterfield & Son | 0 | 3 | 0 | 1 | 2.50 |
| Pathfinder Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Bank of N.T. Butterfield & Son presently has a consensus target price of $63.50, indicating a potential upside of 6.97%. Given Bank of N.T. Butterfield & Son’s stronger consensus rating and higher probable upside, equities analysts plainly believe Bank of N.T. Butterfield & Son is more favorable than Pathfinder Bancorp.
Valuation and Earnings
This table compares Bank of N.T. Butterfield & Son and Pathfinder Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bank of N.T. Butterfield & Son | $800.02 million | 3.11 | $231.94 million | $5.69 | 10.43 |
| Pathfinder Bancorp | $48.33 million | 1.83 | -$1.93 million | ($0.21) | -85.81 |
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.
Summary
Bank of N.T. Butterfield & Son beats Pathfinder Bancorp on 14 of the 17 factors compared between the two stocks.
About Bank of N.T. Butterfield & Son
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.
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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