Pioneer Bankshares (OTCMKTS:PNBI) & Mvb Financial (NASDAQ:MVBF) Head to Head Analysis

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

Dividends

Pioneer Bankshares pays an annual dividend of $1.12 per share and has a dividend yield of 2.6%. Mvb Financial pays an annual dividend of $0.68 per share and has a dividend yield of 2.5%. Pioneer Bankshares pays out 28.1% of its earnings in the form of a dividend. Mvb Financial pays out 31.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Pioneer Bankshares is clearly the better dividend stock, given its higher yield and lower payout ratio.

Profitability

This table compares Pioneer Bankshares and Mvb Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pioneer Bankshares	18.99%	N/A	N/A
Mvb Financial	13.98%	2.54%	0.25%

Institutional and Insider Ownership

52.7% of Mvb Financial shares are held by institutional investors. 13.7% of Pioneer Bankshares shares are held by company insiders. Comparatively, 9.9% of Mvb Financial shares 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.

Valuation and Earnings

This table compares Pioneer Bankshares and Mvb Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pioneer Bankshares	$20.97 million	2.05	$3.98 million	$3.98	10.68
Mvb Financial	$200.74 million	1.77	$26.94 million	$2.18	12.67

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

Analyst Recommendations

This is a summary of current ratings and target prices for Pioneer Bankshares and Mvb Financial, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pioneer Bankshares	0	0	0	0	0.00
Mvb Financial	0	2	4	0	2.67

Mvb Financial has a consensus target price of $31.25, indicating a potential upside of 13.10%. Given Mvb Financial’s stronger consensus rating and higher probable upside, analysts clearly believe Mvb Financial is more favorable than Pioneer Bankshares.

Risk and Volatility

Pioneer Bankshares has a beta of 0.15, suggesting that its share price is 85% less volatile than the S&P 500. Comparatively, Mvb Financial has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500.

Summary

Mvb Financial beats Pioneer Bankshares on 10 of the 16 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 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.

About Mvb Financial

MVB Financial Corp. operates as bank holding company for MVB Bank, Inc that provides financial services to individuals and corporate clients. The company operates through three segments: CoRe Banking, Mortgage Banking, and The Financial Holding Company. It offers various demand deposit accounts, savings accounts, money market accounts, and certificates of deposit; and commercial, consumer, and real estate mortgage loans, as well as lines of credit. The company also provides debit cards; cashier's checks; safe deposit rental facilities; and non-deposit investment services, as well as financial technology (Fintech) banking services. In addition, it offers fintech solutions for the gaming, payments, banking-as-a-service, and digital asset sectors; fraud prevention services for merchants, credit agencies, Fintech companies, and other vendors; and digital products and web and mobile applications for forward-thinking community banks, credit unions, digital banks, and Fintech companies. It operates full-service branches in West Virginia and Virginia. MVB Financial Corp. was founded in 1997 and is based in Fairmont, West Virginia.