PBHC vs SLQT

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and SelectQuote Inc (SLQT, Company).

Both PBHC and SLQT are from the Financial Services sector.

5-Year PerformancePBHC has outperformed SLQT, delivering a return of +2.9% compared to -48.1%

PBHC vs SLQT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBHC(COMPANY)	SLQT(COMPANY)
Market Cap	$122M	$122M
Max Drawdown	77.38%	98.36%
Sharpe Ratio	0.55	-0.51
5Y Beta	0.20	1.72
Industry	Banks - Regional	Insurance Brokers
P/E Ratio	16.75	1.32
Forward P/E	11.29	66.67
PEG Ratio	0.43	0.01
Dividend Yield	2.44%	N/A
5Y Dividends CAGR	13.97%	N/A
5Y EPS CAGR	18.27%	N/A
Debt to Equity	22.15%	97.67%
Free Cash Flow Yield	4.00%	-4.82%
P/S Ratio	3.03	0.07
P/B Ratio	0.77	0.34

Market Cap

PBHC

$122M

Winner

SLQT

$122M

Max Drawdown

Winner

PBHC

77.38%

SLQT

98.36%

Sharpe Ratio

Winner

PBHC

0.55

SLQT

-0.51

5Y Beta

Winner

PBHC

0.20

SLQT

1.72

Industry

PBHC

Banks - Regional

SLQT

Insurance Brokers

P/E Ratio

PBHC

16.75

Winner

SLQT

1.32

Forward P/E

Winner

PBHC

11.29

SLQT

66.67

PEG Ratio

PBHC

0.43

Winner

SLQT

0.01

Dividend Yield

PBHC

2.44%

SLQT

N/A

5Y Dividends CAGR

PBHC

13.97%

SLQT

N/A

5Y EPS CAGR

PBHC

18.27%

SLQT

N/A

Debt to Equity

Winner

PBHC

22.15%

SLQT

97.67%

Free Cash Flow Yield

Winner

PBHC

4.00%

SLQT

-4.82%

P/S Ratio

PBHC

3.03

Winner

SLQT

0.07

P/B Ratio

PBHC

0.77

Winner

SLQT

0.34

PBHC vs SLQT - Historical Returns

Returns include dividend reinvestment.

Period	PBHC	SLQT
1 month	+4.08%	-5.44%
3 months	+19.60%	-39.79%
6 months	+28.94%	-37.60%
1 year	+17.47%	-63.10%
5 years(CAGR)	+2.94%	-48.12%
10 years(CAGR)	+5.23%	N/A
Max(CAGR)	+6.30%	-44.63%

Winner

PBHC

+4.08%

SLQT

-5.44%

Winner

PBHC

+19.60%

SLQT

-39.79%

Winner

PBHC

+28.94%

SLQT

-37.60%

Winner

PBHC

+17.47%

SLQT

-63.10%

5Y(CAGR)

Winner

PBHC

+2.94%

SLQT

-48.12%

10Y(CAGR)

PBHC

+5.23%

SLQT

N/A

Max(CAGR)

Winner

PBHC

+6.30%

SLQT

-44.63%

PBHC vs SLQT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PBHC	SLQT
2026	+19.26%	-49.90%
2025	-15.14%	-63.57%
2024	+28.69%	+177.61%
2023	-25.10%	+111.94%
2022	+13.40%	-92.86%
2021	+52.28%	-57.56%
2020	-16.22%	-23.15%
2019	-5.32%	N/A
2018	+3.94%	N/A
2017	+17.33%	N/A
2016	+5.92%	N/A
2015	+33.41%	N/A
2014	+20.54%	N/A
2013	+32.33%	N/A
2012	+13.35%	N/A
2011	+6.21%	N/A
2010	+54.42%	N/A
2009	-7.81%	N/A
2008	-36.14%	N/A
2007	-19.08%	N/A
2006	+3.05%	N/A
2005	-19.90%	N/A
2004	-3.88%	N/A
2003	+29.69%	N/A
2002	+13.14%	N/A
2001	+125.47%	N/A
2000	-27.88%	N/A
1999	-6.58%	N/A

PBHC vs SLQT Drawdown Comparison

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

The maximum drawdown for SLQT was -98.36%, occurring on Oct 21, 2022. This drawdown has not yet recovered.

The current PBHC drawdown is -17.05%. The current SLQT drawdown is -97.87%.

Rank	PBHC	SLQT
#1	-73.10% Jan 30, 2004 - Oct 7, 2014	-98.36% Apr 6, 2021 - Oct 21, 2022
#2	-45.89% Sep 16, 2022 - Mar 4, 2024	-41.27% Jun 2, 2020 - Feb 19, 2021
#3	-43.72% Nov 10, 1999 - Jul 23, 2001	-23.12% Mar 1, 2021 - Apr 6, 2021
#4	-42.24% May 28, 2019 - Apr 14, 2021	-3.27% May 28, 2020 - Jun 2, 2020
#5	-28.52% May 22, 2002 - Dec 23, 2002	-2.21% Feb 24, 2021 - Mar 1, 2021
#6	-19.67% May 21, 2018 - May 23, 2019	-1.85% May 21, 2020 - May 27, 2020
#7	-16.84% Dec 24, 2015 - Dec 21, 2016	-0.23% Feb 22, 2021 - Feb 24, 2021
#8	-13.95% Jun 16, 2015 - Nov 19, 2015	N/A
#9	-13.17% Mar 31, 2022 - Sep 16, 2022	N/A
#10	-12.51% Aug 23, 2001 - May 17, 2002	N/A
#11	-12.50% Jul 23, 2001 - Aug 2, 2001	N/A
#12	-12.39% Aug 2, 2001 - Aug 20, 2001	N/A
#13	-11.70% Apr 14, 2021 - Jun 21, 2021	N/A
#14	-11.54% Nov 5, 1999 - Nov 10, 1999	N/A
#15	-11.52% Dec 26, 2002 - Apr 4, 2003	N/A

Correlation

Correlation between PBHC and SLQT is -0.54 which considered as a moderate negative correlation - the stocks show some tendency to move in opposite directions.

-0.54

-101