Pathfinder Bancorp, Inc. (PBHC) vs Patriot National Bancorp, Inc. (PNBK)
A side-by-side comparison of Pathfinder Bancorp, Inc. and Patriot National Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — PBHC vs PNBK
growth of $100 · dividends reinvested · last 10yPBHC vs PNBK: by the numbers
- •PBHC is the larger company ($109M vs $109M market cap).
- •Both run net losses; PBHC's is the smaller (-1.70% vs -9.77% net margin).
- •PNBK grew revenue faster over the past five years (13.42% vs 9.79% CAGR).
- •PBHC pays a dividend (2.29% yield), while PNBK is a former payer with no current dividend run rate.
Metrics side by side
Valuation
| Metric | PBHC | PNBK |
|---|---|---|
| P/S ratio | 1.38 | 1.63 |
| P/B ratio | 0.87 | 1.22 |
Profitability
| Metric | PBHC | PNBK |
|---|---|---|
| Operating margin | -2.09% | -21.75% |
| Net margin | -1.70% | -9.77% |
| ROE | -1.07% | -7.36% |
Pathfinder Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Patriot National Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | PBHC | PNBK |
|---|---|---|
| Dividend yield | 2.29% | N/A |
Growth (annualized)
| Metric | PBHC | PNBK |
|---|---|---|
| Revenue CAGR (5Y) | 9.79% | 13.42% |
| Total return CAGR (5Y) | 3.32% | -37.57% |
Frequently asked
- Which has grown faster, PBHC or PNBK?
- Over the past five years, PNBK grew revenue faster — PBHC at a 9.79% CAGR versus PNBK at 13.42%.
- Does PBHC or PNBK pay a bigger dividend?
- PBHC pays a dividend (2.29% yield), while PNBK is a former payer with no current dividend run rate.
- How have PBHC and PNBK total returns compared?
- Over the past 10 years, PBHC delivered 5.48% and PNBK delivered -23.30% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Pathfinder Bancorp & Patriot National Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.