Analyzing Pioneer Bancorp (NASDAQ:PBFS) & Parke Bancorp (NASDAQ:PKBK)

Parke Bancorp (NASDAQ:PKBK) 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 dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.

Risk & Volatility

Parke Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.4, meaning that its stock price is 60% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Parke Bancorp and Pioneer Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Parke Bancorp	0	0	1	0	3.00
Pioneer Bancorp	0	0	1	0	3.00

Valuation and Earnings

This table compares Parke Bancorp and Pioneer Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Parke Bancorp	$146.08 million	2.77	$37.78 million	$3.84	8.96
Pioneer Bancorp	$104.65 million	4.30	$13.41 million	$0.54	33.57

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

Insider and Institutional Ownership

49.7% of Parke Bancorp shares are owned by institutional investors. 13.0% of Parke Bancorp shares are owned by insiders. Comparatively, 2.8% of Pioneer Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Parke Bancorp	29.99%	13.88%	2.05%
Pioneer Bancorp	N/A	4.05%	0.58%

Summary

Parke Bancorp beats Pioneer Bancorp on 9 of the 11 factors compared between the two stocks.

About Parke Bancorp

Parke Bancorp, Inc. operates as the bank holding company for Parke Bank that provides personal and business financial services to individuals and small to mid-sized businesses. The company offers various deposit products, including checking, savings, time, money market, and individual retirement accounts, as well as certificates of deposit. Its loan portfolio comprises commercial and industrial, construction, commercial and residential real estate mortgage, and consumer loans. In addition, the company provides debit cards, internet banking, and online bill payment services. Parke Bancorp, Inc. was founded in 1999 and is headquartered in Washington Township, New Jersey.

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.