Blackhawk Bancorp (OTCMKTS:BHWB) versus Pathfinder Bancorp (NASDAQ:PBHC) Head-To-Head Analysis

Pathfinder Bancorp (NASDAQ:PBHC) and Blackhawk Bancorp (OTCMKTS:BHWB) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, earnings, valuation and risk.

Institutional & Insider Ownership

26.7% of Pathfinder Bancorp shares are held by institutional investors. 22.4% of Pathfinder Bancorp shares are held by company insiders. Comparatively, 26.8% of Blackhawk Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Earnings & Valuation

This table compares Pathfinder Bancorp and Blackhawk Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	$46.67 million	1.47	$3.38 million	$1.20	11.93
Blackhawk Bancorp	$63.13 million	N/A	$13.64 million	N/A	N/A

Blackhawk Bancorp has higher revenue and earnings than Pathfinder Bancorp.

Analyst Recommendations

This is a summary of current ratings for Pathfinder Bancorp and Blackhawk Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0	1	0	0	2.00
Blackhawk Bancorp	0	0	0	0	0.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	2.98%	2.15%	0.18%
Blackhawk Bancorp	N/A	N/A	N/A

Summary

Pathfinder Bancorp beats Blackhawk Bancorp on 5 of the 8 factors compared between the two stocks.

About Pathfinder Bancorp

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.

About Blackhawk Bancorp

Blackhawk Bancorp, Inc., a financial holding company, provides various banking products and services in the United States. The company offers personal banking products and services, including checking, savings, health savings, and money market accounts, as well as certificates of deposit; personal, auto, student, and home improvement and equity loans; and lines of credit and credit cards. It also provides business banking products and services, such as business checking, business interest checking, business sweep, small business checking, business NOW, health savings, and money market accounts; commercial, development, term, equipment/fixed asset, and small business administration loans; lines and letters of credit; receivables financing; and corporate credit cards, as well as treasury management solutions. In addition, the company offers payments and transfer, mortgages lending, financial planning, wealth management, security brokerage, investment management, commercial banking, and online and mobile banking services, as well as installment loans. It serves individual, corporate, institutional, and governmental customers through its 11 full-services banking centers in northern Illinois and southern Wisconsin. The company was founded in 1881 and is headquartered in Beloit, Wisconsin.