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PBHC vs BOTJ

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and Bank of James Financial Group Inc (BOTJ, Company).

Both PBHC and BOTJ are from the Financial Services sector.

5-Year PerformanceBOTJ has outperformed PBHC, delivering a return of +10.6% compared to +2.0%

PBHC vs BOTJ - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
PBHC
$112M
Winner
BOTJ
$112M
Max Drawdown
Winner
PBHC
77.38%
BOTJ
83.50%
Sharpe Ratio
PBHC
0.01
Winner
BOTJ
2.24
5Y Beta
PBHC
0.28
Winner
BOTJ
0.25
Industry
PBHC
Banks - Regional
BOTJ
Banks - Regional
P/E Ratio
PBHC
15.45
Winner
BOTJ
10.25
Forward P/E
PBHC
11.29
BOTJ
N/A
PEG Ratio
PBHC
0.40
Winner
BOTJ
0.16
Dividend Yield
Winner
PBHC
2.83%
BOTJ
1.65%
5Y Dividends CAGR
Winner
PBHC
14.87%
BOTJ
14.46%
5Y EPS CAGR
Winner
PBHC
18.27%
BOTJ
14.58%
Debt to Equity
PBHC
22.15%
Winner
BOTJ
0.00%
Free Cash Flow Yield
PBHC
4.34%
Winner
BOTJ
12.72%
P/S Ratio
PBHC
3.14
Winner
BOTJ
2.24
P/B Ratio
Winner
PBHC
0.76
BOTJ
1.40

PBHC vs BOTJ - Historical Returns

Returns include dividend reinvestment.

1M
Winner
PBHC
+18.75%
BOTJ
+6.28%
3M
PBHC
+14.10%
Winner
BOTJ
+24.72%
6M
PBHC
+5.25%
Winner
BOTJ
+38.83%
1Y
PBHC
+4.13%
Winner
BOTJ
+76.89%
5Y(CAGR)
PBHC
+2.03%
Winner
BOTJ
+10.58%
10Y(CAGR)
PBHC
+5.05%
Winner
BOTJ
+11.05%
Max(CAGR)
PBHC
+6.05%
Winner
BOTJ
+8.49%

PBHC vs BOTJ - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearPBHCBOTJ
2026+10.99%+34.79%
2025-15.14%+24.33%
2024+28.69%+33.76%
2023-25.10%+5.58%
2022+13.40%-21.53%
2021+52.28%+38.91%
2020-16.22%-20.91%
2019-5.32%+19.76%
2018+3.94%-12.22%
2017+17.33%-0.22%
2016+5.92%+23.69%
2015+33.41%+26.13%
2014+20.54%+13.67%
2013+32.33%+60.16%
2012+13.35%+29.54%
2011+6.21%-29.60%
2010+54.42%-3.38%
2009-7.81%-2.87%
2008-36.14%-37.14%
2007-19.08%-7.93%
2006+3.05%-2.82%
2005-19.90%+19.39%
2004-3.88%+17.06%
2003+29.69%+60.34%
2002+13.14%+20.83%
2001+125.47%+20.00%
2000-27.88%-6.82%
1999-6.58%N/A

PBHC vs BOTJ Drawdown Comparison

The maximum drawdown for PBHC was -73.10%, occurring on Mar 13, 2009. Recovery took 2690 trading sessions.

The maximum drawdown for BOTJ was -76.94%, occurring on Sep 30, 2011. Recovery took 2751 trading sessions.

The current PBHC drawdown is -22.80%. The current BOTJ drawdown is -0.92%.

RankPBHCBOTJ
#1-73.10%
Jan 30, 2004 - Oct 7, 2014
-76.94%
Feb 8, 2006 - Jan 12, 2017
#2-45.89%
Sep 16, 2022 - Mar 4, 2024
-50.27%
Jun 23, 2021 - Oct 27, 2025
#3-43.72%
Nov 10, 1999 - Jul 23, 2001
-49.76%
Jun 25, 2018 - May 24, 2021
#4-42.24%
May 28, 2019 - Apr 14, 2021
-25.00%
Oct 4, 2001 - May 20, 2002
#5-28.52%
May 22, 2002 - Dec 23, 2002
-23.41%
Mar 23, 2005 - Jan 27, 2006
#6-19.67%
May 21, 2018 - May 23, 2019
-20.83%
Aug 16, 2000 - Oct 4, 2001
#7-16.84%
Dec 24, 2015 - Dec 21, 2016
-16.07%
Aug 30, 2004 - Jan 24, 2005
#8-13.95%
Jun 16, 2015 - Nov 19, 2015
-14.72%
Nov 18, 2003 - Jan 7, 2004
#9-13.17%
Mar 31, 2022 - Sep 16, 2022
-14.69%
Mar 2, 2017 - May 17, 2018
#10-12.51%
Aug 23, 2001 - May 17, 2002
-14.00%
Jan 7, 2004 - Aug 30, 2004
#11-12.50%
Jul 23, 2001 - Aug 2, 2001
-12.70%
Nov 12, 2002 - May 27, 2003
#12-12.39%
Aug 2, 2001 - Aug 20, 2001
-11.54%
Jul 16, 2003 - Oct 21, 2003
#13-11.70%
Apr 14, 2021 - Jun 21, 2021
-9.68%
May 20, 2002 - Nov 12, 2002
#14-11.54%
Nov 5, 1999 - Nov 10, 1999
-8.96%
May 27, 2003 - Jul 15, 2003
#15-11.52%
Dec 26, 2002 - Apr 4, 2003
-8.82%
Feb 23, 2026 - Mar 16, 2026

Correlation

Correlation between PBHC and BOTJ is 0.81 which considered as a strong positive correlation - the stocks tend to move together.

0.81
-101

Dividend Comparison (2000 - 2026)

PBHC vs BOTJ dividend yield comparison.

YearPBHCBOTJ
20261.29%0.81%
20252.83%2.15%
20242.23%2.52%
20232.57%2.62%
20221.78%2.43%
20211.57%1.73%
20202.09%2.31%
20191.73%1.83%
20181.52%1.84%
20171.35%1.61%
20161.48%1.58%
20151.08%1.70%
20140.74%1.46%
20130.89%0.00%
20121.16%0.00%
20111.35%0.00%
20101.41%12.52%
20093.44%7.08%
20086.56%18.19%
20074.00%12.86%
20063.14%0.00%
20052.35%0.00%
20042.43%8.54%
20032.18%0.00%
20022.04%0.00%
20011.97%0.00%
20003.88%0.00%

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