Pioneer Bancorp (NASDAQ:PBFS) & PCSB Financial (NASDAQ:PCSB) Head-To-Head Analysis

PCSB Financial (NASDAQ:PCSB) and Pioneer Bancorp (NASDAQ:PBFS) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, dividends, analyst recommendations, risk, institutional ownership, earnings and valuation.

Dividends

PCSB Financial pays an annual dividend of $0.16 per share and has a dividend yield of 0.8%. Pioneer Bancorp does not pay a dividend.

Insider and Institutional Ownership

54.4% of PCSB Financial shares are held by institutional investors. 5.2% of PCSB Financial shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

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

Net Margins Return on Equity Return on Assets
PCSB Financial 14.71% 2.89% 0.53%
Pioneer Bancorp N/A N/A N/A

Analyst Recommendations

This is a summary of recent ratings and recommmendations for PCSB Financial and Pioneer Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PCSB Financial 0 1 0 0 2.00
Pioneer Bancorp 0 0 0 0 N/A

Earnings and Valuation

This table compares PCSB Financial and Pioneer Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PCSB Financial $56.55 million 6.19 $8.32 million N/A N/A
Pioneer Bancorp $48.52 million 6.77 N/A N/A N/A

PCSB Financial has higher revenue and earnings than Pioneer Bancorp.

Summary

PCSB Financial beats Pioneer Bancorp on 7 of the 8 factors compared between the two stocks.

About PCSB Financial

PCSB Financial Corporation operates as the bank holding company for PCSB Bank that provides financial services to individuals and businesses in Putnam, Southern Dutchess, Rockland, and Westchester Counties in New York. Its deposits products include non-interest bearing demand, NOW, money market, escrow, and savings accounts, as well as time deposits and certificates of deposit. The company also offers commercial real estate, multi-family residential real estate, commercial business, construction, residential mortgage, and consumer loans, as well as home equity lines of credit. It provides its services from executive offices/headquarters and 15 banking offices. The company was founded in 1871 and is headquartered in Yorktown Heights, New York.

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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