PBHC vs WSBK

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and Winchester Bancorp Inc (WSBK, Company).

Both PBHC and WSBK are from the Financial Services sector.

PBHC vs WSBK - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBHC(COMPANY)	WSBK(COMPANY)
Market Cap	$122M	$121M
Max Drawdown	77.38%	9.69%
Sharpe Ratio	0.55	1.65
5Y Beta	0.20	-0.04
Industry	Banks - Regional	Banks - Regional
P/E Ratio	16.75	53.53
Forward P/E	11.29	N/A
PEG Ratio	0.43	N/A
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%	0.00%
Free Cash Flow Yield	4.00%	5.09%
P/S Ratio	3.03	4.58
P/B Ratio	0.77	0.97

Market Cap

Winner

PBHC

$122M

WSBK

$121M

Max Drawdown

PBHC

77.38%

Winner

WSBK

9.69%

Sharpe Ratio

PBHC

0.55

Winner

WSBK

1.65

5Y Beta

PBHC

0.20

Winner

WSBK

-0.04

Industry

PBHC

Banks - Regional

WSBK

Banks - Regional

P/E Ratio

Winner

PBHC

16.75

WSBK

53.53

Forward P/E

PBHC

11.29

WSBK

N/A

PEG Ratio

PBHC

0.43

WSBK

N/A

Dividend Yield

PBHC

2.44%

WSBK

N/A

5Y Dividends CAGR

PBHC

13.97%

WSBK

N/A

5Y EPS CAGR

PBHC

18.27%

WSBK

N/A

Debt to Equity

PBHC

22.15%

Winner

WSBK

0.00%

Free Cash Flow Yield

PBHC

4.00%

Winner

WSBK

5.09%

P/S Ratio

Winner

PBHC

3.03

WSBK

4.58

P/B Ratio

Winner

PBHC

0.77

WSBK

0.97

PBHC vs WSBK - Historical Returns

Returns include dividend reinvestment.

Period	PBHC	WSBK
1 month	+4.08%	-0.38%
3 months	+19.60%	+2.04%
6 months	+28.94%	+8.70%
1 year	+17.47%	+37.86%
5 years(CAGR)	+2.94%	N/A
10 years(CAGR)	+5.23%	N/A
Max(CAGR)	+6.30%	+30.32%

Winner

PBHC

+4.08%

WSBK

-0.38%

Winner

PBHC

+19.60%

WSBK

+2.04%

Winner

PBHC

+28.94%

WSBK

+8.70%

PBHC

+17.47%

Winner

WSBK

+37.86%

5Y(CAGR)

PBHC

+2.94%

WSBK

N/A

10Y(CAGR)

PBHC

+5.23%

WSBK

N/A

Max(CAGR)

PBHC

+6.30%

Winner

WSBK

+30.32%

PBHC vs WSBK - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PBHC	WSBK
2026	+19.26%	+24.52%
2025	-15.14%	+12.37%
2024	+28.69%	N/A
2023	-25.10%	N/A
2022	+13.40%	N/A
2021	+52.28%	N/A
2020	-16.22%	N/A
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 WSBK Drawdown Comparison

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

The maximum drawdown for WSBK was -9.69%, occurring on Jun 13, 2025. Recovery took 105 trading sessions.

The current PBHC drawdown is -17.05%. The current WSBK drawdown is -2.00%.

Rank	PBHC	WSBK
#1	-73.10% Jan 30, 2004 - Oct 7, 2014	-9.69% May 5, 2025 - Oct 3, 2025
#2	-45.89% Sep 16, 2022 - Mar 4, 2024	-7.80% Feb 17, 2026 - Mar 20, 2026
#3	-43.72% Nov 10, 1999 - Jul 23, 2001	-3.21% Jan 8, 2026 - Feb 2, 2026
#4	-42.24% May 28, 2019 - Apr 14, 2021	-2.73% Oct 13, 2025 - Dec 9, 2025
#5	-28.52% May 22, 2002 - Dec 23, 2002	-1.82% Dec 19, 2025 - Dec 31, 2025
#6	-19.67% May 21, 2018 - May 23, 2019	-1.44% Oct 3, 2025 - Oct 13, 2025
#7	-16.84% Dec 24, 2015 - Dec 21, 2016	-1.10% Jan 5, 2026 - Jan 8, 2026
#8	-13.95% Jun 16, 2015 - Nov 19, 2015	-1.00% Feb 3, 2026 - Feb 5, 2026
#9	-13.17% Mar 31, 2022 - Sep 16, 2022	-0.33% Feb 5, 2026 - Feb 10, 2026
#10	-12.51% Aug 23, 2001 - May 17, 2002	-0.13% Dec 9, 2025 - Dec 11, 2025
#11	-12.50% Jul 23, 2001 - Aug 2, 2001	-0.10% Dec 15, 2025 - Dec 17, 2025
#12	-12.39% Aug 2, 2001 - Aug 20, 2001	-0.10% Dec 31, 2025 - Jan 5, 2026
#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