Reviewing Pathfinder Bancorp (NASDAQ:PBHC) & Old National Bancorp (NASDAQ:ONB)

Pathfinder Bancorp (NASDAQ:PBHC) and Old National Bancorp (NASDAQ:ONB) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, earnings, dividends, valuation, profitability and institutional ownership.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Pathfinder Bancorp	N/A	N/A	N/A
Old National Bancorp	N/A	N/A	N/A

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pathfinder Bancorp	0	1	0	0	2.00
Old National Bancorp	0	2	12	0	2.86

Old National Bancorp has a consensus price target of $29.64, suggesting a potential upside of 18.81%. Given Old National Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Old National Bancorp is more favorable than Pathfinder Bancorp.

Institutional & Insider Ownership

26.7% of Pathfinder Bancorp shares are held by institutional investors. Comparatively, 83.7% of Old National Bancorp shares are held by institutional investors. 15.7% of Pathfinder Bancorp shares are held by insiders. Comparatively, 0.7% of Old National Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Earnings and Valuation

This table compares Pathfinder Bancorp and Old National Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pathfinder Bancorp	N/A	N/A	N/A	($0.21)	-79.95
Old National Bancorp	N/A	N/A	N/A	$2.45	10.18

Pathfinder Bancorp is trading at a lower price-to-earnings ratio than Old National Bancorp, indicating that it is currently the more affordable of the two stocks.

Summary

Old National Bancorp beats Pathfinder Bancorp on 6 of the 7 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 Old National Bancorp

Old National Bancorp operates as the bank holding company for Old National Bank that provides various financial services to individual and commercial customers in the United States. It accepts deposit accounts, including noninterest-bearing demand, interest-bearing checking, negotiable order of withdrawal, savings and money market, and time deposits; and offers loans, such as home equity lines of credit, residential real estate loans, consumer loans, commercial loans, commercial real estate loans, agricultural loans, letters of credit, and lease financing. The company also provides debit and automated teller machine cards, telephone access, online banking, and other electronic and mobile banking services; cash management, private banking, brokerage, trust, investment advisory, and other traditional banking services; wealth management, investment, and foreign currency services; and treasury management, merchant, and capital markets services, as well as community development lending and equity investment solutions. The company was founded in 1834 and is headquartered in Evansville, Indiana.