Review of Randolph Bancorp (NASDAQ:RNDB) vs. Pathfinder Bancorp (NASDAQ:PBHC)


Pathfinder Bancorp (NASDAQ: PBHCGet a rating) and Randolph Bancorp (NASDAQ: RNDBGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on earnings strength, valuation, dividends, profitability, risk, analyst recommendations and institutional ownership.

Insider and Institutional Ownership

18.2% of Pathfinder Bancorp shares are held by institutional investors. By comparison, 44.5% of Randolph Bancorp’s shares are held by institutional investors. 22.8% of the shares of Pathfinder Bancorp are held by insiders of the company. By comparison, 9.2% of Randolph Bancorp’s stock is held by company insiders. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.

Analyst Notes

This is a summary of recent ratings and target prices for Pathfinder Bancorp and Randolph Bancorp, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Pathfinder Bancorp 0 0 0 0 N / A
Randolph Bancorp 0 1 1 0 2.50

Randolph Bancorp has a consensus price target of $27.00, indicating a potential upside of 2.27%. Given Randolph Bancorp’s possible higher upside, analysts clearly believe that Randolph Bancorp is more favorable than Pathfinder Bancorp.


Pathfinder Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 1.8%. Randolph Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 2.3%. Pathfinder Bancorp pays 16.4% of its profits as a dividend. Randolph Bancorp pays 57.7% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Pathfinder Bancorp has increased its dividend for 2 consecutive years.


This table compares the net margins, return on equity and return on assets of Pathfinder Bancorp and Randolph Bancorp.

Net margins Return on equity return on assets
Pathfinder Bancorp 25.53% 12.27% 1.03%
Randolph Bancorp 11.48% 6.43% 0.82%

Valuation and benefits

This table compares the revenue, earnings per share (EPS), and valuation of Pathfinder Bancorp and Randolph Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Pathfinder Bancorp $52.06 million 1.73 $12.41 million $2.19 8.96
Randolph Bancorp $56.04 million 2.44 $9.60 million $1.04 25.38

Pathfinder Bancorp has higher profits, but lower revenues than Randolph Bancorp. Pathfinder Bancorp trades at a lower price-to-earnings ratio than Randolph Bancorp, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Pathfinder Bancorp has a beta of 0.15, indicating its stock price is 85% less volatile than the S&P 500. In comparison, Randolph Bancorp has a beta of 0.74, indicating its stock price is 26% less volatile than the S&P 500.

Pathfinder Bancorp Company Profile (Get a rating)

Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank which provides various banking and financial products and services primarily in Oswego and Onondaga counties, New York. The Company accepts various deposits, including checking, savings and money market deposit accounts, as well as certificates of deposit and demand and term deposits. Its loan portfolio includes commercial real estate loans; business loans; residential real estate loans and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans including unsecured auto, recreational vehicle and personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also active in property and casualty and life insurance brokerage. It mainly serves individuals, families, small and medium-sized businesses and municipalities. As of February 3, 2022, it operated through ten full-service offices located in Oswego and Onondaga counties, as well as a limited-use office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.

Company Profile Randolph Bancorp (Get a rating)

Randolph Bancorp, Inc. operates as a bank holding company for Envision Bank which provides financial services to individuals, families, and small and medium businesses in Massachusetts, Rhode Island, and southern New Hampshire. It operates through two segments, Envision Bank and Envision Mortgage. The company accepts checking, NOW, money market and savings accounts, as well as certificates of deposit and individual retirement accounts. It also offers residential mortgages for one to four families, commercial real estate, commercial and industrial, construction and consumer loans; home equity loans and lines of credit; and investment securities. In addition, the company offers remote deposit collection products for business customers to meet their online banking needs; cash management solutions, including ACH origination, wire transfer, positive payment and account reconciliation; and digital banking. It operates five branches in Massachusetts; six loan origination offices; and lending centers located in Massachusetts and southern New Hampshire. The company was founded in 1851 and is based in Quincy, Massachusetts.

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