Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) and Peoples Bancorp of North Carolina (NASDAQ:PEBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, valuation, institutional ownership, earnings, profitability and dividends.
Analyst Recommendations
This is a summary of current recommendations and price targets for Pioneer Bancorp and Peoples Bancorp of North Carolina, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Peoples Bancorp of North Carolina | 0 | 0 | 1 | 0 | 3.00 |
Insider & Institutional Ownership
43.8% of Peoples Bancorp of North Carolina shares are owned by institutional investors. 2.8% of Pioneer Bancorp shares are owned by company insiders. Comparatively, 14.5% of Peoples Bancorp of North Carolina shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Risk & Volatility
Valuation and Earnings
This table compares Pioneer Bancorp and Peoples Bancorp of North Carolina”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bancorp | $104.65 million | 4.12 | $13.41 million | $0.54 | 32.17 |
| Peoples Bancorp of North Carolina | $114.60 million | 2.07 | $19.83 million | $3.64 | 11.95 |
Peoples Bancorp of North Carolina has higher revenue and earnings than Pioneer Bancorp. Peoples Bancorp of North Carolina is trading at a lower price-to-earnings ratio than Pioneer Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Pioneer Bancorp and Peoples Bancorp of North Carolina’s 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% |
| Peoples Bancorp of North Carolina | 17.25% | 12.75% | 1.15% |
Summary
Peoples Bancorp of North Carolina beats Pioneer Bancorp on 8 of the 11 factors compared between the two stocks.
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.
About Peoples Bancorp of North Carolina
Peoples Bancorp of North Carolina, Inc. operates as the bank holding company for Peoples Bank that provides various banking products and services for individuals and small-to medium-sized businesses. It offers checking, savings, money market, and retirement accounts; certificates of deposits; and credit and debit cards. The company also originates commercial real estate loans, commercial loans, construction and land development loans, and residential mortgage loans; and individual taxpayer identification number mortgage loans, as well as agricultural loans. In addition, it provides investment counseling and non-deposit investment products, such as stocks, bonds, mutual funds, tax deferred annuities, and related brokerage services; and real estate appraisal and brokerage services. Further, the company operates as a clearing-house for the provision of appraisal services for community banks; and acquires, manages, and disposes real property, other collateral, and other assets obtained in the ordinary course of collecting debts. Peoples Bancorp of North Carolina, Inc. was founded in 1912 and is headquartered in Newton, North Carolina.
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