Contrasting Pathfinder Bancorp (NASDAQ:PBHC) and Banco Bradesco (NYSE:BBDO)

Risk & Volatility

Pathfinder Bancorp has a beta of 0.23, indicating that its stock price is 77% less volatile than the S&P 500. Comparatively, Banco Bradesco has a beta of 1.04, indicating that its stock price is 4% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	4.28%	3.07%	0.26%
Banco Bradesco	8.46%	11.43%	0.95%

Dividends

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Banco Bradesco pays an annual dividend of $0.02 per share and has a dividend yield of 1.0%. Pathfinder Bancorp pays out 66.7% of its earnings in the form of a dividend. Banco Bradesco pays out 6.7% 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.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	$46.56 million	1.70	$3.76 million	$0.60	28.01
Banco Bradesco	$101.44 billion	0.21	$3.20 billion	$0.30	6.55

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

Institutional & Insider Ownership

26.7% of Pathfinder Bancorp shares are held by institutional investors. 22.4% of Pathfinder Bancorp shares are held by insiders. Comparatively, 0.3% of Banco Bradesco shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Banco Bradesco beats Pathfinder Bancorp on 7 of the 13 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 Banco Bradesco

Banco Bradesco S.A., together with its subsidiaries, provides various banking products and services to individuals, corporates, and businesses in Brazil and internationally. The company operates through two segments, Banking and Insurance. It provides current, savings, click, and salary accounts; real estate credit, vehicle financing, payroll loans, mortgage loans, microcredit, leasing, and personal and installment credit; overdraft and agribusiness loans; debit and business cards; financial and security services; consortium products; car, personal accident, dental, travel, and life insurance; investment products; pension products; foreign currency exchange services; capitalization bonds; and internet banking services. Banco Bradesco S.A. was founded in 1943 and is headquartered in Osasco, Brazil.