Bank Hapoalim (OTCMKTS:BKHYY) and Pathfinder Bancorp (NASDAQ:PBHC) Head-To-Head Contrast

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

Earnings and Valuation

This table compares Pathfinder Bancorp and Bank Hapoalim”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	$48.33 million	1.75	-$1.93 million	($0.21)	-82.14
Bank Hapoalim	$12.56 billion	2.52	$2.84 billion	$11.32	10.69

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

Volatility & Risk

Pathfinder Bancorp has a beta of 0.12, indicating that its share price is 88% less volatile than the S&P 500. Comparatively, Bank Hapoalim has a beta of 1.24, indicating that its share price is 24% more volatile than the S&P 500.

Dividends

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Bank Hapoalim pays an annual dividend of $3.75 per share and has a dividend yield of 3.1%. Pathfinder Bancorp pays out -190.5% of its earnings in the form of a dividend. Bank Hapoalim pays out 33.1% 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. Pathfinder Bancorp has raised its dividend for 1 consecutive years.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Pathfinder Bancorp and Bank Hapoalim, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0	1	0	0	2.00
Bank Hapoalim	0	1	0	1	3.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	-1.70%	-1.08%	-0.09%
Bank Hapoalim	22.88%	14.08%	1.17%

Insider and Institutional Ownership

26.7% of Pathfinder Bancorp shares are owned by institutional investors. 15.7% 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 will outperform the market over the long term.

Summary

Bank Hapoalim beats Pathfinder Bancorp on 12 of the 16 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 Bank Hapoalim

Bank Hapoalim B.M., together with its subsidiaries, provides various banking and financial products and services in Israel and internationally. It operates through Household, Private Banking, Small businesses and micro businesses, Mid-sized businesses, Large businesses, Institutional entities, and Financial management segments. The company offers account-management services, lending for various purposes, deposits, and savings plans, and capital-market service; housing loans; research and advisory services; and pension advisory and retirement planning services. It also provides products and services for the expansion of a business, advanced digital services, and a service center specializing in businesses; credit for routine operations and investment financing, guarantees, letters of credit, foreign trade, and transactions in financial and derivative instruments, as well as investment services in various channels, such as foreign currency, shekels, and securities. In addition, the company offers financial services, including foreign-trade financing, financing of working capital, financing of assets overseas, complex financing transactions, syndication, and credit-risk transfers; and financing of construction projects, granting credit to customers, and issuing guarantees to buyers of homes. Further, it provides managers of mutual funds, managers of investment portfolios, and managers of provident funds, study funds, and pension funds; trading activities; underwriting services; and brokerage and custody services. The company serves households, private-banking customers, foreign residents, small businesses, financial-asset managers, middle-market business clients, and large corporations. Bank Hapoalim B.M. was founded in 1921 and is based in Tel Aviv, Israel.