Central Pacific Financial vs Pathfinder Bancorp
CPF and PBHC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CPF and PBHC compare
Central Pacific Financial is the larger company, worth 9.2 times as much as Pathfinder Bancorp ($988M against $107M).
Central Pacific Financial grew revenue faster over the last twelve months (31.1% versus −4.9% for Pathfinder Bancorp).
Central Pacific Financial keeps more of each dollar of sales as profit, with a net margin of 165% compared with 0.30% at Pathfinder Bancorp.
Both pay dividends: Central Pacific Financial yields 3.0% and Pathfinder Bancorp 2.3%.
Central Pacific Financial scores higher on the StockData Score (16 against 6 for Pathfinder Bancorp), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CPF | PBHC |
|---|---|---|
| Size and price | ||
| Market cap | $988M | $107M |
| Share price | $38.82 | $17.05 |
| Change, 1 year | 31.6% | 15.0% |
| Change, 5 years | 39.9% | 0.16% |
| Beta (5Y) | 0.73 | 0.05 |
| Employees | 763 | 187 |
| StockData Score | ||
| Total score | 16 (better) | 6 |
| Valuation score | 1 | 2 (better) |
| Growth score | 2 (better) | 0 |
| Performance score | 5 (better) | 0 |
| Health score | 4 (better) | 1 |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 11.7× | – |
| P/S | 18.7× | 2.2× (better) |
| P/B | 1.7× | 0.9× (better) |
| P/FCF | 9.4× (better) | 9.7× |
| PEG | 5.35 | – |
| FCF yield | 10.6% (better) | 10.3% |
| Fair value | $34.16 | – |
| Margin of safety | −13.6% | – |
| Growth | ||
| Revenue growth (TTM) | 31.1% (better) | −4.9% |
| Revenue growth, 5Y average | 16.8% (better) | 4.2% |
| Net income growth (TTM) | 32.2% (better) | −93.7% |
| EPS growth (TTM) | 36.2% | – |
| EPS growth, 5Y average | 16.7% | – |
| Profitability | ||
| Net margin | 165% (better) | 0.30% |
| FCF margin | 198% (better) | 22.9% |
| Return on equity | 14.9% (better) | 0.11% |
| Financial health | ||
| Debt / equity | – | 1.06 |
| Altman Z-score | 0.14 | 0.15 (better) |
| Piotroski F-score | 7 | – |
| Dividends and buybacks | ||
| Dividend yield | 3.0% (better) | 2.3% |
| Payout ratio | 34.7% | 1347% |
| Years of dividend growth | 1 (better) | 0 |
| Dividend growth, 5Y average | 3.4% | 10.8% (better) |
| Shareholder yield | 3.0% (better) | 2.3% |
| Ownership | ||
| Held by institutions | 96.2% | 18.3% |
| Held by insiders | 11.1% | 12.4% |
| Insider net buying, 12 months | – | $67.4K |
| Short interest, % of float | 3.8% | 0.15% |
Go deeper
- CPF stock overview
- CPF income statement
- CPF valuation and score
- PBHC stock overview
- PBHC income statement
- PBHC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.