Pioneer Bancorp (PBFS) & The Competition Head-To-Head Survey

Pioneer Bancorp (NASDAQ:PBFS) is one of 919 public companies in the “Banks” industry, but how does it compare to its rivals? We will compare Pioneer Bancorp to similar businesses based on the strength of its analyst recommendations, profitability, risk, institutional ownership, earnings, dividends and valuation.

Volatility and Risk

Pioneer Bancorp has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500. Comparatively, Pioneer Bancorp’s rivals have a beta of 0.52, indicating that their average stock price is 48% less volatile than the S&P 500.

Profitability

This table compares Pioneer Bancorp and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pioneer Bancorp	N/A	4.05%	0.58%
Pioneer Bancorp Competitors	15.66%	9.44%	0.93%

Valuation & Earnings

This table compares Pioneer Bancorp and its rivals revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Pioneer Bancorp	$104.65 million	N/A	35.04
Pioneer Bancorp Competitors	$9.95 billion	$2.42 billion	17.40

Pioneer Bancorp’s rivals have higher revenue and earnings than Pioneer Bancorp. Pioneer Bancorp is trading at a higher price-to-earnings ratio than its rivals, indicating that it is currently more expensive than other companies in its industry.

Insider and Institutional Ownership

47.8% of shares of all “Banks” companies are held by institutional investors. 2.8% of Pioneer Bancorp shares are held by company insiders. Comparatively, 9.8% of shares of all “Banks” companies are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Pioneer Bancorp and its rivals, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pioneer Bancorp	0	0	1	0	3.00
Pioneer Bancorp Competitors	7464	30193	27759	1465	2.35

As a group, “Banks” companies have a potential upside of 14.12%. Given Pioneer Bancorp’s rivals higher possible upside, analysts plainly believe Pioneer Bancorp has less favorable growth aspects than its rivals.

Summary

Pioneer Bancorp rivals beat Pioneer Bancorp on 9 of the 12 factors compared.

Pioneer Bancorp Company Profile

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage lending, consumer loans, and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.