Which has grown faster, PBHC or SFBC?

Over the past five years, PBHC grew revenue faster — PBHC at a 9.79% CAGR versus SFBC at 7.35%.

Does PBHC or SFBC pay a bigger dividend?

PBHC yields 2.29% and SFBC yields 1.84% based on trailing dividends and the latest price.

Is PBHC or SFBC more profitable?

SFBC runs the higher net margin — PBHC at -1.70% versus SFBC at 12.93%.

How have PBHC and SFBC total returns compared?

Over the past 10 years, PBHC delivered 5.48% and SFBC delivered 7.90% annualized total return. Past performance doesn't predict future results.

Pathfinder Bancorp, Inc. (PBHC) vs Sound Financial Bancorp, Inc. (SFBC)

A side-by-side comparison of Pathfinder Bancorp, Inc. and Sound Financial 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.

PBHC

Pathfinder Bancorp, Inc.

$109M

$17.43Financial ServicesDelayed quote: Oct 6, 2026, 12:42 PM EDT

SFBC

Sound Financial Bancorp, Inc.

$105M

$44.00Financial ServicesDelayed quote: Oct 6, 2026, 2:02 PM EDT

Total return — PBHC vs SFBC

growth of $100 · dividends reinvested · last 10y

PBHC +70.5% (+5.5%/yr)SFBC +114.6% (+7.9%/yr)SFBC compounded faster over this window

PBHC SFBC

PBHC vs SFBC: by the numbers

•PBHC is the larger company ($109M vs $105M market cap).
•SFBC is profitable (12.93% net margin) while PBHC runs a net loss (-1.70%).
•PBHC grew revenue faster over the past five years (9.79% vs 7.35% CAGR).
•PBHC pays the higher dividend yield (2.29% vs 1.84%).

Metrics side by side

Valuation

Metric	PBHC	SFBC
P/E ratio	N/A	14.10
P/S ratio	1.38	1.69
P/B ratio	0.87	0.93

Profitability

Metric	PBHC	SFBC
Operating margin	-2.09%	15.70%
Net margin	-1.70%	12.93%
ROE	-1.07%	7.14%

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.

Sound Financial 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	SFBC
Dividend yield	2.29%	1.84%
Payout ratio	N/A	26.28%

Growth (annualized)

Metric	PBHC	SFBC
Revenue CAGR (5Y)	9.79%	7.35%
EPS CAGR (5Y)	N/A	-4.09%
Total return CAGR (5Y)	3.32%	0.94%

Frequently asked

Which has grown faster, PBHC or SFBC?: Over the past five years, PBHC grew revenue faster — PBHC at a 9.79% CAGR versus SFBC at 7.35%.
Does PBHC or SFBC pay a bigger dividend?: PBHC yields 2.29% and SFBC yields 1.84% based on trailing dividends and the latest price.
Is PBHC or SFBC more profitable?: SFBC runs the higher net margin — PBHC at -1.70% versus SFBC at 12.93%.
How have PBHC and SFBC total returns compared?: Over the past 10 years, PBHC delivered 5.48% and SFBC delivered 7.90% annualized total return. Past performance doesn't predict future results.

Go deeper

Full PBHC analysis Full SFBC analysis Interactive comparison tool

Dig into the metrics

Sound Financial Bancorp P/E ratio Pathfinder Bancorp dividend yield Sound Financial Bancorp dividend yield Pathfinder Bancorp ROE Sound Financial Bancorp ROE Pathfinder Bancorp operating margin Sound Financial Bancorp operating margin Pathfinder Bancorp revenue growth Sound Financial Bancorp revenue growth

Pathfinder Bancorp & Sound Financial Bancorp appear in these rankings

Highest Dividend Yield Stocks Lowest P/E Ratio Stocks

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.