Bank Hapoalim (OTCMKTS:BKHYY – Get Free Report) and Pathfinder Bancorp (NASDAQ:PBHC – Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their risk, valuation, profitability, earnings, analyst recommendations, institutional ownership and dividends.
Volatility and Risk
Bank Hapoalim has a beta of 1.24, suggesting that its share price is 24% more volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.12, suggesting that its share price is 88% less volatile than the S&P 500.
Profitability
This table compares Bank Hapoalim and Pathfinder Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bank Hapoalim | 22.88% | 14.08% | 1.17% |
| Pathfinder Bancorp | -1.70% | -1.08% | -0.09% |
Dividends
Analyst Ratings
This is a breakdown of current recommendations for Bank Hapoalim and Pathfinder Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bank Hapoalim | 0 | 1 | 0 | 1 | 3.00 |
| Pathfinder Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Valuation and Earnings
This table compares Bank Hapoalim and Pathfinder Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bank Hapoalim | $12.56 billion | 2.52 | $2.84 billion | $11.32 | 10.69 |
| Pathfinder Bancorp | $48.33 million | 1.75 | -$1.93 million | ($0.21) | -82.14 |
Bank Hapoalim has higher revenue and earnings than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Bank Hapoalim, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
26.7% of Pathfinder Bancorp shares are owned by institutional investors. 15.7% of Pathfinder Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Summary
Bank Hapoalim beats Pathfinder Bancorp on 12 of the 16 factors compared between the two stocks.
About Bank Hapoalim
Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Household, Private Banking, Small businesses and micro businesses, Mid-sized businesses, Large businesses, Institutional entities, and Financial management segments. The company offers account-management services, lending for various purposes, deposits, and savings plans, and capital-market service; housing loans; research and advisory services; and pension advisory and retirement planning services. It also provides products and services for the expansion of a business, advanced digital services, and a service center specializing in businesses; credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, and securities. In addition, the company offers financial services, including foreign-trade financing, financing of working capital, financing of assets overseas, complex financing transactions, syndication, and credit-risk transfers; and financing of construction projects, granting credit to customers, and issuing guarantees to buyers of homes. Further, it provides managers of mutual funds, managers of investment portfolios, and managers of provident funds, study funds, and pension funds; trading activities; underwriting services; and brokerage and custody services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.
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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