Pioneer Bancorp (NASDAQ:PBFS) vs. Freddie Mac (OTCMKTS:FMCC) Financial Survey

Freddie Mac (OTCMKTS:FMCC) and Pioneer Bancorp (NASDAQ:PBFS) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, risk, dividends, valuation and profitability.

Valuation and Earnings

This table compares Freddie Mac and Pioneer Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Freddie Mac	$129.82 billion	0.02	$10.73 billion	$0.01	436.00
Pioneer Bancorp	$104.65 million	4.26	$13.41 million	$0.54	33.23

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

Volatility & Risk

Freddie Mac has a beta of 1.73, indicating that its share price is 73% more volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.4, indicating that its share price is 60% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent ratings and target prices for Freddie Mac and Pioneer Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Freddie Mac	1	2	1	1	2.40
Pioneer Bancorp	0	0	1	0	3.00

Freddie Mac presently has a consensus price target of $12.38, indicating a potential upside of 183.83%. Given Freddie Mac’s higher probable upside, analysts clearly believe Freddie Mac is more favorable than Pioneer Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Freddie Mac	9.58%	-90.29%	0.37%
Pioneer Bancorp	N/A	4.05%	0.58%

Summary

Freddie Mac beats Pioneer Bancorp on 7 of the 12 factors compared between the two stocks.

About Freddie Mac

Federal Home Loan Mortgage Corporation operates in the secondary mortgage market in the United States. It operates through two segments, Single-Family and Multifamily. The Single-Family segment purchases, securitizes, and guarantees single-family loans; and manages single-family mortgage credit and market risk, as well as manages mortgage-related investments portfolio, single-family securitization activities, and treasury functions. This segment serves mortgage banking companies, commercial banks, regional banks, community banks, credit unions, housing finance agencies, savings institutions, and non-depository financial institutions. The Multifamily segment engages in the purchase, securitization, and guarantee of multifamily loans; issuance of multifamily K certificates; manages multifamily mortgage credit and market risk; and invests in multifamily loans and mortgage-related securities. It serves banks and other financial institutions, insurance companies, money managers, hedge funds, pension funds, state and local governments, and broker dealers. Federal Home Loan Mortgage Corporation incorporated in 1970 and is headquartered in McLean, Virginia.

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.