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PBHC vs CRMT

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and Americas Car Mart Inc (CRMT, Company).

PBHC is from the Financial Services sector, while CRMT is from the Consumer Cyclical sector.

5-Year PerformancePBHC has outperformed CRMT, delivering a return of -0.1% compared to -45.3%

PBHC vs CRMT - Performance Comparison

Key Characteristics

Financial metrics and valuation ratios

Market Cap
Winner
PBHC
$102M
CRMT
$102M
Max Drawdown
Winner
PBHC
77.38%
CRMT
96.07%
Sharpe Ratio
Winner
PBHC
-0.07
CRMT
-1.78
5Y Beta
Winner
PBHC
0.28
CRMT
1.17
Industry
PBHC
Banks - Regional
CRMT
Auto & Truck Dealerships
P/E Ratio
PBHC
14.09
Winner
CRMT
-1.08
Forward P/E
Winner
PBHC
11.29
CRMT
11.30
PEG Ratio
Winner
PBHC
0.36
CRMT
0.69
Dividend Yield
PBHC
2.96%
CRMT
N/A
5Y Dividends CAGR
PBHC
14.87%
CRMT
N/A
5Y EPS CAGR
PBHC
18.27%
CRMT
N/A
Debt to Equity
PBHC
22.15%
Winner
CRMT
0.00%
Free Cash Flow Yield
PBHC
4.76%
Winner
CRMT
13.82%
P/S Ratio
PBHC
2.86
Winner
CRMT
0.08
P/B Ratio
PBHC
0.69
Winner
CRMT
0.22

PBHC vs CRMT - Historical Returns

Returns include dividend reinvestment.

1M
Winner
PBHC
-1.67%
CRMT
-40.40%
3M
Winner
PBHC
+3.38%
CRMT
-59.04%
6M
Winner
PBHC
-0.32%
CRMT
-70.31%
1Y
Winner
PBHC
-6.31%
CRMT
-85.12%
5Y(CAGR)
Winner
PBHC
-0.13%
CRMT
-45.27%
10Y(CAGR)
Winner
PBHC
+4.15%
CRMT
-10.77%
Max(CAGR)
Winner
PBHC
+5.63%
CRMT
+3.28%

PBHC vs CRMT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

YearPBHCCRMT
2026-0.39%-68.18%
2025-15.14%-49.29%
2024+28.69%-25.75%
2023-25.10%+8.24%
2022+13.40%-30.96%
2021+52.28%-4.50%
2020-16.22%-0.91%
2019-5.32%+51.97%
2018+3.94%+64.10%
2017+17.33%+1.71%
2016+5.92%+59.85%
2015+33.41%-50.05%
2014+20.54%+27.22%
2013+32.33%+3.05%
2012+13.35%+4.46%
2011+6.21%+40.78%
2010+54.42%+6.24%
2009-7.81%+91.77%
2008-36.14%+12.64%
2007-19.08%+7.54%
2006+3.05%-31.25%
2005-19.90%-33.33%
2004-3.88%+38.43%
2003+29.69%+105.45%
2002+13.14%+142.39%
2001+125.47%+21.26%
2000-27.88%-13.11%
1999-6.58%+0.61%

PBHC vs CRMT Drawdown Comparison

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

The maximum drawdown for CRMT was -96.07%, occurring on Jun 1, 2026. This drawdown has not yet recovered.

The current PBHC drawdown is -30.72%. The current CRMT drawdown is -95.57%.

RankPBHCCRMT
#1-73.10%
Jan 30, 2004 - Oct 7, 2014
-96.07%
May 26, 2021 - Jun 1, 2026
#2-45.89%
Sep 16, 2022 - Mar 4, 2024
-71.33%
Dec 28, 2004 - Oct 22, 2009
#3-43.72%
Nov 10, 1999 - Jul 23, 2001
-70.32%
Feb 20, 2020 - Feb 5, 2021
#4-42.24%
May 28, 2019 - Apr 14, 2021
-62.28%
Mar 17, 2015 - May 22, 2018
#5-28.52%
May 22, 2002 - Dec 23, 2002
-42.32%
Jun 18, 2002 - May 13, 2003
#6-19.67%
May 21, 2018 - May 23, 2019
-41.08%
Apr 3, 2000 - Jan 10, 2002
#7-16.84%
Dec 24, 2015 - Dec 21, 2016
-32.99%
Jan 26, 2004 - Dec 28, 2004
#8-13.95%
Jun 16, 2015 - Nov 19, 2015
-28.71%
Mar 20, 2013 - Nov 20, 2014
#9-13.17%
Mar 31, 2022 - Sep 16, 2022
-28.25%
Oct 14, 2003 - Jan 20, 2004
#10-12.51%
Aug 23, 2001 - May 17, 2002
-27.80%
Jul 19, 2011 - Dec 2, 2011
#11-12.50%
Jul 23, 2001 - Aug 2, 2001
-26.36%
Sep 13, 2012 - Mar 20, 2013
#12-12.39%
Aug 2, 2001 - Aug 20, 2001
-25.09%
Dec 14, 1999 - Mar 29, 2000
#13-11.70%
Apr 14, 2021 - Jun 21, 2021
-22.86%
Mar 2, 2010 - Oct 25, 2010
#14-11.54%
Nov 5, 1999 - Nov 10, 1999
-21.61%
Apr 27, 2012 - Jul 27, 2012
#15-11.52%
Dec 26, 2002 - Apr 4, 2003
-21.15%
Nov 9, 2010 - Jun 22, 2011

Correlation

Correlation between PBHC and CRMT is 0.69 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.69
-101

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