Does PBHC or TWLV pay a bigger dividend?

PBHC pays a dividend (2.29% yield), while TWLV has no payments in the available dividend history.

How have PBHC and TWLV total returns compared?

Over the past 5 years, PBHC delivered 3.32% and TWLV delivered 0.65% annualized total return. Past performance doesn't predict future results.

Pathfinder Bancorp, Inc. (PBHC) vs Twelve Seas Investment Company II (TWLV)

A side-by-side comparison of Pathfinder Bancorp, Inc. and Twelve Seas Investment Company II 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, 3:00 PM EDT

TWLV

Twelve Seas Investment Company II

$107M

$10.07Financial ServicesDelayed quote: Oct 6, 2026, 2:40 PM EDT

Total return — PBHC vs TWLV

growth of $100 · dividends reinvested · last 5y

PBHC +26.7% (+4.9%/yr)TWLV +3.3% (+0.6%/yr)PBHC compounded faster over this window

PBHC TWLV

PBHC vs TWLV: by the numbers

•PBHC is the larger company ($109M vs $107M market cap).
•Both run net losses; TWLV's is the smaller (0.00% vs -1.70% net margin).
•PBHC pays a dividend (2.29% yield), while TWLV has no payments in the available dividend history.

Metrics side by side

Valuation

Metric	PBHC	TWLV
P/E ratio	N/A	80.56
P/S ratio	1.38	N/A
P/B ratio	0.87	0.63

Profitability

Metric	PBHC	TWLV
Gross margin	N/A	0.00%
Operating margin	-2.09%	0.00%
Net margin	-1.70%	0.00%
ROE	-1.07%	1.71%
ROIC	N/A	-0.25%

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.

Dividends

Metric	PBHC	TWLV
Dividend yield	2.29%	N/A

Growth (annualized)

Metric	PBHC	TWLV
Revenue CAGR (5Y)	9.79%	N/A
Total return CAGR (5Y)	3.32%	0.65%

Frequently asked

Does PBHC or TWLV pay a bigger dividend?: PBHC pays a dividend (2.29% yield), while TWLV has no payments in the available dividend history.
How have PBHC and TWLV total returns compared?: Over the past 5 years, PBHC delivered 3.32% and TWLV delivered 0.65% annualized total return. Past performance doesn't predict future results.

Go deeper

Full PBHC analysis Full TWLV analysis Interactive comparison tool

Dig into the metrics

Twelve Seas Investment Company II P/E ratio Pathfinder Bancorp dividend yield Pathfinder Bancorp ROE Twelve Seas Investment Company II ROE Pathfinder Bancorp operating margin Twelve Seas Investment Company II operating margin Pathfinder Bancorp revenue growth Twelve Seas Investment Company II revenue growth Twelve Seas Investment Company II free cash flow

Pathfinder Bancorp & Twelve Seas Investment Company II appear in these rankings

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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.