Analyzing Truxton (OTCMKTS:TRUX) & Pathfinder Bancorp (NASDAQ:PBHC)

Truxton (OTCMKTS:TRUXGet Free Report) and Pathfinder Bancorp (NASDAQ:PBHCGet Free Report) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, earnings, risk, dividends, institutional ownership and profitability.

Institutional and Insider Ownership

0.4% of Truxton shares are held by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are held by institutional investors. 24.0% of Pathfinder Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Volatility and Risk

Truxton has a beta of 0.67, meaning that its stock price is 33% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.15, meaning that its stock price is 85% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent ratings for Truxton and Pathfinder Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Truxton 0 0 0 0 N/A
Pathfinder Bancorp 0 0 0 0 N/A

Dividends

Truxton pays an annual dividend of $1.72 per share and has a dividend yield of 2.7%. Pathfinder Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 3.0%. Truxton pays out 28.5% of its earnings in the form of a dividend. Pathfinder Bancorp pays out 23.8% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pathfinder Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Profitability

This table compares Truxton and Pathfinder Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Truxton 26.05% N/A N/A
Pathfinder Bancorp 12.76% 8.05% 0.66%

Valuation and Earnings

This table compares Truxton and Pathfinder Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Truxton $67.30 million 2.73 $17.54 million $6.03 10.45
Pathfinder Bancorp $72.85 million 0.78 $9.29 million $1.51 8.01

Truxton has higher earnings, but lower revenue than Pathfinder Bancorp. Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Truxton, indicating that it is currently the more affordable of the two stocks.

Summary

Pathfinder Bancorp beats Truxton on 7 of the 13 factors compared between the two stocks.

About Truxton

(Get Free Report)

Truxton Corporation, through its subsidiaries, provides various banking, investment management, and trust administration services to individuals, businesses, and charitable institutions. The company's primary deposit products include demand, money market accounts, and certificates of deposit; and primary lending products comprise residential and commercial real estate mortgages, commercial loans, construction and land development loans, and consumer loans. It also provides private banking, wealth management, trust, and estate services; and business banking, commercial lending, capital markets advisory, and treasury management services. In addition, the company offers insurance products. The company was formerly known as NBT Holdings Inc. and changed its name to Truxton Corporation in May 2013. Truxton Corporation was founded in 2004 and is based in Nashville, Tennessee.

About Pathfinder Bancorp

(Get Free Report)

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.

Receive News & Ratings for Truxton Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Truxton and related companies with MarketBeat.com's FREE daily email newsletter.