Pioneer Bancorp (NASDAQ:PBFS) and Quaint Oak Bancorp (OTCMKTS:QNTO) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, analyst recommendations, valuation and profitability.
Institutional & Insider Ownership
15.0% of Pioneer Bancorp shares are held by institutional investors. 0.8% of Pioneer Bancorp shares are held by company insiders. Comparatively, 31.7% of Quaint Oak Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This table compares Pioneer Bancorp and Quaint Oak Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Quaint Oak Bancorp||12.99%||9.96%||0.86%|
Earnings & Valuation
This table compares Pioneer Bancorp and Quaint Oak Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Pioneer Bancorp||$68.57 million||5.63||$19.02 million||N/A||N/A|
|Quaint Oak Bancorp||$19.06 million||1.54||$2.48 million||N/A||N/A|
Pioneer Bancorp has higher revenue and earnings than Quaint Oak Bancorp.
This is a breakdown of current ratings and price targets for Pioneer Bancorp and Quaint Oak Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Quaint Oak Bancorp||0||0||0||0||N/A|
Pioneer Bancorp Company Profile
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.
Quaint Oak Bancorp Company Profile
Quaint Oak Bancorp, Inc. operates as the holding company for Quaint Oak Bank that provides various banking products and services. It offers deposit products, such as savings accounts, non-interest bearing business and consumer checking accounts, and certificates of deposit. The company also provides one-to-four family residential real estate, multi-family residential, commercial real estate, construction, home equity, commercial business, and other consumer loans. In addition, it offers mortgage banking, real estate sales, title abstract, and insurance services; and correspondence, telephone, and online banking services. The company operates through its main office located in Bucks County, Pennsylvania and a regional office in Allentown, Pennsylvania. Quaint Oak Bancorp, Inc. was founded in 1926 and is headquartered in Southampton, Pennsylvania.
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