Reviewing Pioneer Bancorp (PBFS) and The Competition

Pioneer Bancorp (NASDAQ:PBFS) is one of 920 public companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Pioneer Bancorp to similar businesses based on the strength of its risk, dividends, profitability, analyst recommendations, earnings, valuation and institutional ownership.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Pioneer Bancorp and its competitors, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pioneer Bancorp	0	0	1	0	3.00
Pioneer Bancorp Competitors	7458	30161	27712	1451	2.35

As a group, “Banks” companies have a potential upside of 17.44%. Given Pioneer Bancorp’s competitors higher possible upside, analysts plainly believe Pioneer Bancorp has less favorable growth aspects than its competitors.

Earnings & Valuation

This table compares Pioneer Bancorp and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Pioneer Bancorp	$104.65 million	N/A	33.39
Pioneer Bancorp Competitors	$37.86 billion	$2.41 billion	16.69

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

Volatility and Risk

Pioneer Bancorp has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500. Comparatively, Pioneer Bancorp’s competitors have a beta of 0.61, meaning that their average stock price is 39% less volatile than the S&P 500.

Profitability

This table compares Pioneer Bancorp and its competitors’ 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	15.63%	9.45%	0.93%

Institutional & Insider Ownership

47.7% 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 endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

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

About Pioneer Bancorp

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.