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PBHC vs PFX

PBHC
Pathfinder Bancorp, Inc.
BEARISH
Price
$13.57
Market Cap
$84.9M
Sector
Financial Services
AI Confidence
90%
PFX
PhenixFIN Corporation
BEARISH
Price
$41.08
Market Cap
$82.1M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
PBHC
--
PFX
--
Forward P/E
PBHC
--
PFX
19.38
P/B Ratio
PBHC
0.69
PFX
0.53
P/S Ratio
PBHC
2.78
PFX
3.19
EV/EBITDA
PBHC
--
PFX
--

Profitability

Gross Margin
PBHC
0.0%
PFX
100.0%
Operating Margin
PBHC
-1317.49%
PFX
68.45%
Profit Margin
PBHC
-6.34%
PFX
-11.98%
ROE
PBHC
-1.58%
PFX
-1.93%
ROA
PBHC
-0.13%
PFX
3.19%

Growth

Revenue Growth
PBHC
-95.6%
PFX
7.1%
Earnings Growth
PBHC
--
PFX
--

Financial Health

Debt/Equity
PBHC
--
PFX
0.96
Current Ratio
PBHC
--
PFX
2.55
Quick Ratio
PBHC
--
PFX
2.43

Dividends

Dividend Yield
PBHC
2.95%
PFX
--
Payout Ratio
PBHC
33.33%
PFX
0.0%

AI Verdict

PBHC BEARISH

PBHC exhibits severe financial distress, highlighted by a weak Piotroski F-Score of 2/9 and a completely bearish technical trend (0/100). The company has suffered a catastrophic year-over-year revenue collapse of -95.60%, coupled with a deeply negative operating margin of -1317.49%. While the stock trades at a discount to book value (P/B 0.69), the negative ROE (-1.58%) and ROA (-0.13%) suggest this is a value trap rather than a value opportunity. The lack of analyst coverage and stagnant insider activity further increase the risk profile.

Strengths
Trading significantly below book value (P/B 0.69)
Maintains a dividend yield of 2.95%
Low dividend payout ratio (33.33%)
Risks
Catastrophic YoY revenue decline of -95.60%
Extreme operational inefficiency indicated by -1317.49% operating margin
Weak financial health as evidenced by a Piotroski F-Score of 2/9
PFX BEARISH

PFX exhibits severe fundamental distress, highlighted by a Piotroski F-Score of 0/9, indicating a total lack of improvement across all key financial health metrics. While the stock trades at a discount to book value (P/B 0.53), this is offset by negative net profit margins and a catastrophic Q/Q revenue decline of 149.52%. Despite recent EPS beats, the high PEG ratio (8.40) and a 0/100 technical trend suggest the market is pricing in significant risk. The combination of fundamental decay and bearish price action makes this a high-risk asset.

Strengths
Trading significantly below book value (P/B 0.53)
Strong short-term liquidity with a Current Ratio of 2.55
High operating margins (68.45%) suggesting efficient core operations
Risks
Piotroski F-Score of 0/9 indicates critical fundamental weakness
Severe Q/Q revenue contraction of -149.52%
Negative net profit margins (-11.98%)

Compare Another Pair

PBHC vs PFX: Head-to-Head Comparison

This page compares Pathfinder Bancorp, Inc. (PBHC) and PhenixFIN Corporation (PFX) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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