PBHC vs XGN

Comparison between Pathfinder Bancorp Inc (PBHC, Company) and Exagen Inc (XGN, Company).

PBHC is from the Financial Services sector, while XGN is from the Healthcare sector.

5-Year PerformancePBHC has outperformed XGN, delivering a return of +2.3% compared to -17.6%

PBHC vs XGN - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PBHC(COMPANY)	XGN(COMPANY)
Market Cap	$119M	$119M
Max Drawdown	77.38%	95.22%
Sharpe Ratio	0.32	-0.17
5Y Beta	0.23	1.41
Industry	Banks - Regional	Diagnostics & Research
P/E Ratio	16.43	-5.58
Forward P/E	11.29	N/A
PEG Ratio	0.43	-9.07
Dividend Yield	2.50%	N/A
5Y Dividends CAGR	13.97%	N/A
5Y EPS CAGR	18.27%	-7.66%
Debt to Equity	22.15%	158.47%
Free Cash Flow Yield	4.08%	-11.87%
P/S Ratio	3.34	1.75
P/B Ratio	0.81	8.14

Market Cap

Winner

PBHC

$119M

XGN

$119M

Max Drawdown

Winner

PBHC

77.38%

XGN

95.22%

Sharpe Ratio

Winner

PBHC

0.32

XGN

-0.17

5Y Beta

Winner

PBHC

0.23

XGN

1.41

Industry

PBHC

Banks - Regional

XGN

Diagnostics & Research

P/E Ratio

PBHC

16.43

Winner

XGN

-5.58

Forward P/E

PBHC

11.29

XGN

N/A

PEG Ratio

PBHC

0.43

Winner

XGN

-9.07

Dividend Yield

PBHC

2.50%

XGN

N/A

5Y Dividends CAGR

PBHC

13.97%

XGN

N/A

5Y EPS CAGR

Winner

PBHC

18.27%

XGN

-7.66%

Debt to Equity

Winner

PBHC

22.15%

XGN

158.47%

Free Cash Flow Yield

Winner

PBHC

4.08%

XGN

-11.87%

P/S Ratio

PBHC

3.34

Winner

XGN

1.75

P/B Ratio

Winner

PBHC

0.81

XGN

8.14

PBHC vs XGN - Historical Returns

Returns include dividend reinvestment.

Period	PBHC	XGN
1 month	-0.20%	+13.66%
3 months	+18.14%	+84.70%
6 months	+14.46%	+7.61%
1 year	+7.87%	-32.38%
5 years(CAGR)	+2.26%	-17.58%
10 years(CAGR)	+5.14%	N/A
Max(CAGR)	+6.18%	-17.58%

PBHC

-0.20%

Winner

XGN

+13.66%

PBHC

+18.14%

Winner

XGN

+84.70%

Winner

PBHC

+14.46%

XGN

+7.61%

Winner

PBHC

+7.87%

XGN

-32.38%

5Y(CAGR)

Winner

PBHC

+2.26%

XGN

-17.58%

10Y(CAGR)

PBHC

+5.14%

XGN

N/A

Max(CAGR)

Winner

PBHC

+6.18%

XGN

-17.58%

PBHC vs XGN - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PBHC	XGN
2026	+15.43%	-18.05%
2025	-15.14%	+96.76%
2024	+28.69%	+108.12%
2023	-25.10%	-19.11%
2022	+13.40%	-78.30%
2021	+52.28%	-16.33%
2020	-16.22%	-49.13%
2019	-5.32%	+36.71%
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 XGN Drawdown Comparison

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

The maximum drawdown for XGN was -95.22%, occurring on May 1, 2024. This drawdown has not yet recovered.

The current PBHC drawdown is -19.71%. The current XGN drawdown is -82.62%.

Rank	PBHC	XGN
#1	-73.10% Jan 30, 2004 - Oct 7, 2014	-95.22% Dec 26, 2019 - May 1, 2024
#2	-45.89% Sep 16, 2022 - Mar 4, 2024	-32.13% Sep 19, 2019 - Nov 5, 2019
#3	-43.72% Nov 10, 1999 - Jul 23, 2001	-16.54% Nov 6, 2019 - Dec 18, 2019
#4	-42.24% May 28, 2019 - Apr 14, 2021	N/A
#5	-28.52% May 22, 2002 - Dec 23, 2002	N/A
#6	-19.67% May 21, 2018 - May 23, 2019	N/A
#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

Correlation

Correlation between PBHC and XGN is -0.44 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.44

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