Pioneer Bankshares (OTCMKTS:PNBI) and Synovus Financial (NYSE:SNV) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, dividends, earnings, profitability and risk.
Volatility and Risk
Pioneer Bankshares has a beta of 0.06, indicating that its share price is 94% less volatile than the S&P 500. Comparatively, Synovus Financial has a beta of 1.32, indicating that its share price is 32% more volatile than the S&P 500.
Pioneer Bankshares pays an annual dividend of $0.88 per share and has a dividend yield of 3.1%. Synovus Financial pays an annual dividend of $1.20 per share and has a dividend yield of 3.3%. Synovus Financial pays out 33.0% of its earnings in the form of a dividend.
Earnings & Valuation
This table compares Pioneer Bankshares and Synovus Financial’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Synovus Financial||$1.62 billion||3.41||$428.48 million||$3.64||9.98|
Synovus Financial has higher revenue and earnings than Pioneer Bankshares.
This is a breakdown of recent recommendations for Pioneer Bankshares and Synovus Financial, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
Synovus Financial has a consensus price target of $42.29, suggesting a potential upside of 16.40%. Given Synovus Financial’s higher probable upside, analysts clearly believe Synovus Financial is more favorable than Pioneer Bankshares.
Insider and Institutional Ownership
84.6% of Synovus Financial shares are owned by institutional investors. 13.7% of Pioneer Bankshares shares are owned by company insiders. Comparatively, 1.0% of Synovus Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
This table compares Pioneer Bankshares and Synovus Financial’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Synovus Financial beats Pioneer Bankshares on 10 of the 12 factors compared between the two stocks.
About Pioneer Bankshares
Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services in Virginia. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise automobile loans, dealer loans, personal installment and single-pay loans, mortgage loans, home equity loans, home equity line of credit, and credit cards; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction. The company also provides personal and business debit cards; safe deposit boxes, travelers cheques, and notary public and medallion guarantee; remote deposit capture; and merchant services. In addition, it offers investment products, which include individual retirement accounts, 529 college savings plans, small business investment strategies, fixed and variable annuities, and personalized investment advisory services; and financial advisory services. Further, the company provides insurance products, such as homeowners, automobile, life, and health insurance; and real estate, professional liability, personal injury, and workman's compensation insurance. It operates branch offices in Stanley, Luray, Shenandoah, Harrisonburg, Stanardsville, Charlottesville, and Ruckersville. The company was founded in 1909 and is based in Stanley, Virginia.
About Synovus Financial
Synovus Financial Corp. operates as the bank holding company for Synovus Bank that provides various financial products and services. It offers integrated financial services, including commercial and retail banking, financial management, insurance, and mortgage services. The company's commercial banking services comprise treasury management, asset management, capital market, and institutional trust services, as well as commercial, financial, and real estate loans. Its retail banking services consist of accepting customary types of demand and savings deposits accounts; mortgage, installment, and other consumer loans; investment and brokerage services; safe deposit services; automated banking services; automated fund transfers; Internet-based banking services; and bank credit card services, including Visa and MasterCard services. The company also offers various other financial services, including portfolio management for fixed-income securities, investment banking, execution of securities transactions as a broker/dealer, asset management and financial planning services, and individual investment advice on equity and other securities, as well as trust services. As of December 31, 2018, it operated through 249 branches and 335 ATMs in Georgia, Alabama, South Carolina, Florida, and Tennessee. Synovus Financial Corp. was founded in 1888 and is headquartered in Columbus, Georgia.
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