How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
Side by side
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Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | PBHCPathfinder Bancorp, Inc. | TYBTTrinity Bank National Assocation | UNIBUNIVERSITY BANCORP INC /DE/ | OPHCOptimumBank Holdings, Inc. | Median of the restexcluding PBHC |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $16.72▼ 0.49 (2.86%) | $101.00▲ 0.00 (0.00%) | $21.19▲ 0.00 (0.00%) | $8.55▼ 0.29 (3.28%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 4.0/10 | 7.3/10 | 6.0/10 | 8.0/10 | 7.3/10 |
| Market value | $79.3M | $109.6M | $109.5M | $98.6M | |
| Revenue | — | $18.2M | $107.5M | — | |
| Profit | -$1.9M | $8.5M | $9.0M | $16.6M | |
| Revenue growthChange in sales versus the prior year. | — | 13.7% | 7.2% | — | 10.4% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | — | 46.5% | 8.4% | — | 27.5% |
| Free cash flow marginCash left after capital spending, as a share of sales. | — | 39.6% | -35.0% | — | 2.3% |
| Return on equityProfit against the owners' stake in the company. | -1.6% | 15.4% | 7.2% | 13.7% | 13.7% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | — | 12.96x | 12.14x | 5.92x | 12.14x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 0.65x | 2.00x | 0.87x | 0.81x | 0.87x |
| Debt to equityTotal liabilities compared with owners' stake. | 10.65x | 8.54x | 8.03x | 8.12x | 8.12x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 4/6 | 6/6 | 3/7 | 5/5 | 5.0 |
| Bankruptcy riskAltman Z-Score zone. | n/a for banks | not reported | n/a for banks | n/a for banks |
How PBHC compares with the others
- Its liabilities are higher relative to equity than the median of the other companies selected: 10.7x against 8.1x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.