Pathfinder Bancorp vs Riverview Bancorp
Pathfinder Bancorp and Riverview Bancorp are similar in size: $46.8m and $43.1m of revenue in their latest fiscal years. Pathfinder Bancorp grew faster (-7.4% against -14.9%). Pathfinder Bancorp kept more of each dollar of sales as profit: a net margin of -4.1% against -10.1%.
| Latest fiscal year | Pathfinder BancorpPBHC, 2025 | Riverview BancorpRVSB, 2026 |
|---|---|---|
| Revenue | $46.8m | $43.1m |
| Revenue growth | -7.4% | -14.9% |
| Net income | −$1.9m | −$4.3m |
| Operating margin | — | — |
| Net margin | -4.1% | -10.1% |
| Return on equity | -1.6% | -2.8% |
| Free cash flow | $10.4m | $11.3m |
| Cash | $31.2m | $117m |
| Total debt | $58.1m | $27.8m |
| Debt to equity | — | — |
| Dividend per share | — | $0.08 |
| Dividend yield | 2.4% | 1.4% |
| Share buybacks | — | $2.7m |
| Employees | 187 | 243 |
| Market value | $81.7m | $123m |
| Price vs our value range | — | — |
| Moat score | 32 (Weak) | 55 (Moderate) |
| Insider trades, 12 months | 5 buys, 0 sales | 24 buys, 3 sales |