Financial Survey: Bridgewater Bancshares (NASDAQ:BWB) and Pioneer Bankshares (OTCMKTS:PNBI)

Bridgewater Bancshares (NASDAQ:BWB) and Pioneer Bankshares (OTCMKTS:PNBI) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, valuation, institutional ownership, earnings, dividends, analyst recommendations and profitability.

Analyst Ratings

This is a summary of recent recommendations for Bridgewater Bancshares and Pioneer Bankshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bridgewater Bancshares	0	2	3	0	2.60
Pioneer Bankshares	0	0	0	0	0.00

Bridgewater Bancshares currently has a consensus price target of $21.67, indicating a potential downside of 1.78%. Given Bridgewater Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Bridgewater Bancshares is more favorable than Pioneer Bankshares.

Earnings and Valuation

This table compares Bridgewater Bancshares and Pioneer Bankshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bridgewater Bancshares	$156.19 million	3.94	$46.09 million	$1.77	12.46
Pioneer Bankshares	$20.97 million	2.14	$3.98 million	$3.98	11.18

Bridgewater Bancshares has higher revenue and earnings than Pioneer Bankshares. Pioneer Bankshares is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

65.8% of Bridgewater Bancshares shares are held by institutional investors. 23.1% of Bridgewater Bancshares shares are held by insiders. Comparatively, 13.7% of Pioneer Bankshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Risk and Volatility

Bridgewater Bancshares has a beta of 0.57, indicating that its stock price is 43% less volatile than the S&P 500. Comparatively, Pioneer Bankshares has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500.

Profitability

This table compares Bridgewater Bancshares and Pioneer Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bridgewater Bancshares	17.69%	11.06%	0.91%
Pioneer Bankshares	18.99%	N/A	N/A

Summary

Bridgewater Bancshares beats Pioneer Bankshares on 12 of the 14 factors compared between the two stocks.

About Bridgewater Bancshares

Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.

About Pioneer Bankshares

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. In addition, the company provides credit and debit cards, safe deposit boxes, online and mobile banking tools, merchant services, and cash management services. Further, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed, and variable annuities. Additionally, the company provides personalized investment advisory services, as well as securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, Virginia.