Auburn National Bancorporation (AUBN) Competitors

Pathfinder Bancorp (NASDAQ:PBHC) and Auburn National Bancorporation (NASDAQ:AUBN) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their valuation, media sentiment, analyst recommendations, community ranking, earnings, risk, institutional ownership, profitability and dividends.

Does the media prefer PBHC or AUBN?

In the previous week, Auburn National Bancorporation had 6 more articles in the media than Pathfinder Bancorp. MarketBeat recorded 9 mentions for Auburn National Bancorporation and 3 mentions for Pathfinder Bancorp. Pathfinder Bancorp's average media sentiment score of 1.13 beat Auburn National Bancorporation's score of 0.51 indicating that Auburn National Bancorporation is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Pathfinder Bancorp	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Auburn National Bancorporation	4 Very Positive mention(s)	2 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive

Does the MarketBeat Community prefer PBHC or AUBN?

Pathfinder Bancorp received 48 more outperform votes than Auburn National Bancorporation when rated by MarketBeat users. However, 64.22% of users gave Auburn National Bancorporation an outperform vote while only 63.10% of users gave Pathfinder Bancorp an outperform vote.

Company	Underperform	Outperform
Pathfinder Bancorp	Outperform Votes 118 63.10%	Underperform Votes 69 36.90%
Auburn National Bancorporation	Outperform Votes 70 64.22%	Underperform Votes 39 35.78%

Do analysts rate PBHC or AUBN?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
Auburn National Bancorporation	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Do insiders and institutionals hold more shares of PBHC or AUBN?

26.7% of Pathfinder Bancorp shares are owned by institutional investors. Comparatively, 39.5% of Auburn National Bancorporation shares are owned by institutional investors. 24.0% of Pathfinder Bancorp shares are owned by insiders. Comparatively, 24.4% of Auburn National Bancorporation shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Is PBHC or AUBN a better dividend stock?

Pathfinder Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 3.2%. Auburn National Bancorporation pays an annual dividend of $1.08 per share and has a dividend yield of 5.9%. Pathfinder Bancorp pays out 28.2% of its earnings in the form of a dividend. Auburn National Bancorporation pays out 469.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Pathfinder Bancorp has increased its dividend for 1 consecutive years and Auburn National Bancorporation has increased its dividend for 22 consecutive years. Auburn National Bancorporation is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Which has more risk & volatility, PBHC or AUBN?

Pathfinder Bancorp has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500. Comparatively, Auburn National Bancorporation has a beta of 0.51, indicating that its stock price is 49% less volatile than the S&P 500.

Is PBHC or AUBN more profitable?

Pathfinder Bancorp has a net margin of 11.50% compared to Pathfinder Bancorp's net margin of 4.44%. Auburn National Bancorporation's return on equity of 7.57% beat Pathfinder Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	11.50%	7.57%	0.62%
Auburn National Bancorporation	4.44%	1.15%	0.08%

Which has preferable valuation & earnings, PBHC or AUBN?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	$72.85M	0.80	$9.29M	$1.42	8.67
Auburn National Bancorporation	$31.39M	2.03	$1.39M	$0.23	79.22

Summary

Auburn National Bancorporation beats Pathfinder Bancorp on 10 of the 18 factors compared between the two stocks.