HSBC vs PBHC: Which Is the Better Dividend Stock?
As of July 2026, PBHC (Pathfinder Bancorp, Inc.) screens as the stronger dividend stock, winning 5 of 8 head-to-head metrics. HSBC offers the higher yield at 3.73%, PBHC has the higher dividend-safety score, and PBHC trades at the larger discount to fair value (+122%).
| Metric | HSBC | PBHC |
|---|---|---|
| Forward yield | 3.73% | 2.44% |
| Annual dividend | $3.75 | $0.40 |
| Payout ratio | 62% | 33% |
| Years of growth | 0 yr | 5 yr |
| 5-yr dividend growth | -13.8% | 10.8% |
| 5-yr total return | 281% | 1% |
| Dividend safety score | 70 (B) | 87 (A) |
| Fair value estimate | $127.75 | $36.35 |
| Upside to fair value | +27% | +122% |
| Frequency | quarterly | quarterly |
| Market cap | $339.6B | $100.4M |
| P/E ratio | 16.6 | — |
Higher yield
HSBC
3.73%
Safer dividend
PBHC
Grade A
Faster growth
PBHC
10.8%
Better value
PBHC
+122% upside
HSBC vs PBHC — FAQ
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