Pioneer Bankshares (OTCMKTS:PNBI – Get Free Report) and Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.
Risk and Volatility
Pioneer Bankshares has a beta of 0.14, meaning that its stock price is 86% less volatile than the S&P 500. Comparatively, Bridgewater Bancshares has a beta of 0.57, meaning that its stock price is 43% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and target prices for Pioneer Bankshares and Bridgewater Bancshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bankshares | 0 | 0 | 0 | 0 | 0.00 |
| Bridgewater Bancshares | 0 | 2 | 3 | 0 | 2.60 |
Institutional and Insider Ownership
65.8% of Bridgewater Bancshares shares are owned by institutional investors. 13.7% of Pioneer Bankshares shares are owned by company insiders. Comparatively, 23.1% of Bridgewater Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares Pioneer Bankshares and Bridgewater Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pioneer Bankshares | 18.99% | N/A | N/A |
| Bridgewater Bancshares | 17.69% | 11.06% | 0.91% |
Earnings & Valuation
This table compares Pioneer Bankshares and Bridgewater Bancshares”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bankshares | $20.97 million | 2.14 | $3.98 million | $3.98 | 11.18 |
| Bridgewater Bancshares | $156.19 million | 3.94 | $46.09 million | $1.77 | 12.46 |
Bridgewater Bancshares has higher revenue and earnings than Pioneer Bankshares. Pioneer Bankshares is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
Bridgewater Bancshares beats Pioneer Bankshares on 12 of the 14 factors compared between the two stocks.
About Pioneer Bankshares
Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. In addition, the company provides credit and debit cards, safe deposit boxes, online and mobile banking tools, merchant services, and cash management services. Further, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed, and variable annuities. Additionally, the company provides personalized investment advisory services, as well as securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, Virginia.
About Bridgewater Bancshares
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
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