PBHC vs UFI

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and UNIFI Inc (UFI, Company).

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

5-Year PerformancePBHC has outperformed UFI, delivering a return of +2.3% compared to -23.3%

PBHC vs UFI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBHC(COMPANY)	UFI(COMPANY)
Market Cap	$119M	$119M
Max Drawdown	77.38%	96.85%
Sharpe Ratio	0.32	0.73
5Y Beta	0.23	0.45
Industry	Banks - Regional	Textile Manufacturing
P/E Ratio	16.43	-15.20
Forward P/E	11.29	104.17
PEG Ratio	0.43	5.80
Dividend Yield	2.50%	N/A
5Y Dividends CAGR	13.97%	N/A
5Y EPS CAGR	18.27%	11.03%
Debt to Equity	22.15%	0.00%
Free Cash Flow Yield	4.08%	13.94%
P/S Ratio	3.34	0.22
P/B Ratio	0.81	0.50

Market Cap

PBHC

$119M

Winner

UFI

$119M

Max Drawdown

Winner

PBHC

77.38%

UFI

96.85%

Sharpe Ratio

PBHC

0.32

Winner

UFI

0.73

5Y Beta

Winner

PBHC

0.23

UFI

0.45

Industry

PBHC

Banks - Regional

UFI

Textile Manufacturing

P/E Ratio

PBHC

16.43

Winner

UFI

-15.20

Forward P/E

Winner

PBHC

11.29

UFI

104.17

PEG Ratio

Winner

PBHC

0.43

UFI

5.80

Dividend Yield

PBHC

2.50%

UFI

N/A

5Y Dividends CAGR

PBHC

13.97%

UFI

N/A

5Y EPS CAGR

Winner

PBHC

18.27%

UFI

11.03%

Debt to Equity

PBHC

22.15%

Winner

UFI

0.00%

Free Cash Flow Yield

PBHC

4.08%

Winner

UFI

13.94%

P/S Ratio

PBHC

3.34

Winner

UFI

0.22

P/B Ratio

PBHC

0.81

Winner

UFI

0.50

PBHC vs UFI - Historical Returns

Returns include dividend reinvestment.

Period	PBHC	UFI
1 month	-0.20%	+36.89%
3 months	+18.14%	+73.52%
6 months	+14.46%	+59.17%
1 year	+7.87%	+30.23%
5 years(CAGR)	+2.26%	-23.33%
10 years(CAGR)	+5.14%	-14.30%
Max(CAGR)	+6.18%	-6.39%

PBHC

-0.20%

Winner

UFI

+36.89%

PBHC

+18.14%

Winner

UFI

+73.52%

PBHC

+14.46%

Winner

UFI

+59.17%

PBHC

+7.87%

Winner

UFI

+30.23%

5Y(CAGR)

Winner

PBHC

+2.26%

UFI

-23.33%

10Y(CAGR)

Winner

PBHC

+5.14%

UFI

-14.30%

Max(CAGR)

Winner

PBHC

+6.18%

UFI

-6.39%

PBHC vs UFI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PBHC	UFI
2026	+15.43%	+76.00%
2025	-15.14%	-41.96%
2024	+28.69%	-5.45%
2023	-25.10%	-23.54%
2022	+13.40%	-63.91%
2021	+52.28%	+31.61%
2020	-16.22%	-28.64%
2019	-5.32%	+6.67%
2018	+3.94%	-36.45%
2017	+17.33%	+7.23%
2016	+5.92%	+16.37%
2015	+33.41%	-5.12%
2014	+20.54%	+8.94%
2013	+32.33%	+102.53%
2012	+13.35%	+60.82%
2011	+6.21%	-55.11%
2010	+54.42%	+45.07%
2009	-7.81%	+33.33%
2008	-36.14%	+15.57%
2007	-19.08%	+1.26%
2006	+3.05%	-19.67%
2005	-19.90%	-16.71%
2004	-3.88%	-40.53%
2003	+29.69%	+7.68%
2002	+13.14%	-34.54%
2001	+125.47%	-10.77%
2000	-27.88%	-25.50%
1999	-6.58%	+2.58%

PBHC vs UFI Drawdown Comparison

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

The maximum drawdown for UFI was -96.85%, occurring on Mar 3, 2009. This drawdown has not yet recovered.

The current PBHC drawdown is -19.71%. The current UFI drawdown is -86.26%.

Rank	PBHC	UFI
#1	-73.10% Jan 30, 2004 - Oct 7, 2014	-96.85% May 12, 2000 - Mar 3, 2009
#2	-45.89% Sep 16, 2022 - Mar 4, 2024	-41.70% Dec 10, 1999 - May 12, 2000
#3	-43.72% Nov 10, 1999 - Jul 23, 2001	-9.43% Nov 30, 1999 - Dec 10, 1999
#4	-42.24% May 28, 2019 - Apr 14, 2021	-8.73% Nov 11, 1999 - Nov 23, 1999
#5	-28.52% May 22, 2002 - Dec 23, 2002	-8.33% Nov 1, 1999 - Nov 11, 1999
#6	-19.67% May 21, 2018 - May 23, 2019	-0.46% Nov 23, 1999 - Nov 29, 1999
#7	-16.84% Dec 24, 2015 - Dec 21, 2016	N/A
#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