Head to Head Analysis: Mission Valley Bancorp (OTCMKTS:MVLY) & Pathfinder Bancorp (NASDAQ:PBHC)

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Mission Valley Bancorp	N/A	N/A	N/A
Pathfinder Bancorp	4.28%	3.07%	0.26%

Valuation and Earnings

This table compares Mission Valley Bancorp and Pathfinder Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mission Valley Bancorp	N/A	N/A	$6.20 million	$1.87	8.18
Pathfinder Bancorp	$46.56 million	1.72	$3.76 million	$0.60	28.33

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

Dividends

Mission Valley Bancorp pays an annual dividend of $0.15 per share and has a dividend yield of 1.0%. Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Mission Valley Bancorp pays out 8.0% of its earnings in the form of a dividend. Pathfinder Bancorp pays out 66.7% 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.

Volatility and Risk

Mission Valley Bancorp has a beta of 0.53, meaning that its stock price is 47% less volatile than the S&P 500. Comparatively, Pathfinder Bancorp has a beta of 0.23, meaning that its stock price is 77% less volatile than the S&P 500.

Insider & Institutional Ownership

5.7% of Mission Valley Bancorp shares are owned by institutional investors. Comparatively, 26.7% of Pathfinder Bancorp shares are owned by institutional investors. 22.4% of Pathfinder Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Pathfinder Bancorp beats Mission Valley Bancorp on 8 of the 12 factors compared between the two stocks.

About Mission Valley Bancorp

Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. The company's deposit products include non-interest-bearing and interest-bearing demand deposits, savings, and time deposits; and certificates of deposit. It also offers accounts receivable loans, advanced restaurant financing loans, commercial loans, real estate loans, small business administration loans, and term loans; consumer loans; and overdraft facilities; as well as credit and debit cards. In addition, the company provides lending services, such as underwriting, processing, closing, servicing, and referral/replacement services to other financial institutions. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.

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.