First Northwest BanCorp (NASDAQ:FNWB) and Pioneer Bancorp (NASDAQ:PBFS) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, profitability, valuation, risk, analyst recommendations and institutional ownership.
Earnings & Valuation
This table compares First Northwest BanCorp and Pioneer Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|First Northwest BanCorp||$51.72 million||3.72||$7.11 million||N/A||N/A|
|Pioneer Bancorp||$48.52 million||7.20||N/A||N/A||N/A|
First Northwest BanCorp has higher revenue and earnings than Pioneer Bancorp.
First Northwest BanCorp pays an annual dividend of $0.12 per share and has a dividend yield of 0.7%. Pioneer Bancorp does not pay a dividend.
This table compares First Northwest BanCorp and Pioneer Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|First Northwest BanCorp||15.97%||5.13%||0.71%|
Insider and Institutional Ownership
49.5% of First Northwest BanCorp shares are owned by institutional investors. Comparatively, 0.1% of Pioneer Bancorp shares are owned by institutional investors. 3.5% of First Northwest BanCorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.
This is a summary of recent ratings and recommmendations for First Northwest BanCorp and Pioneer Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|First Northwest BanCorp||0||0||0||0||N/A|
First Northwest BanCorp beats Pioneer Bancorp on 7 of the 8 factors compared between the two stocks.
About First Northwest BanCorp
First Northwest Bancorp operates as a bank holding company for First Federal Savings and Loan Association of Port Angeles that provides commercial and consumer banking services to individuals, businesses, and nonprofit organizations in western Washington, the United States. The company offers various deposit instruments, including checking accounts, money market deposit accounts, savings accounts, transaction accounts, and certificates of deposit. Its lending activities comprise one- to four-family mortgage loans, commercial and multi-family real estate loans, construction and land loans, and commercial business loans, as well as consumer loans primarily consisting of automobile loans, and home-equity loans and lines of credit. The company operates through 13 banking locations, which include 10 full-service banking offices; 2 banking locations primarily serving its customers through interactive teller machines; and 1 home lending center. First Northwest Bancorp was founded in 1923 and is based in Port Angeles, Washington.
About Pioneer Bancorp
Pioneer Bancorp, Inc. operates as the holding company for Pioneer Savings Bank that provides various financial services in the capital region of New York State. It accepts various deposit products, including demand, savings, money market, checking, and certificate of deposit accounts; and offers municipal deposit banking services. The company also offers commercial real estate loans that are secured by office buildings, industrial facilities, retail facilities, multi-family properties, and other commercial properties; commercial and industrial, commercial construction, and one- to four-family residential real estate loans; home equity loans and lines of credit; and consumer loans. In addition, it invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. Further, the company sells commercial and consumer insurance products, and employee benefit products and services; and provides wealth management services. As of July 17, 2019, it operated through 22 branches in Albany, Rensselaer, Saratoga, Greene, Schenectady, and Warren Counties. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.
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