Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) and BCB Bancorp, Inc. (NJ) (NASDAQ:BCBP – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, analyst recommendations, earnings, dividends, risk, institutional ownership and valuation.
Risk and Volatility
Pioneer Bancorp has a beta of 0.42, indicating that its share price is 58% less volatile than the S&P 500. Comparatively, BCB Bancorp, Inc. (NJ) has a beta of 0.71, indicating that its share price is 29% less volatile than the S&P 500.
Profitability
This table compares Pioneer Bancorp and BCB Bancorp, Inc. (NJ)’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pioneer Bancorp | 16.17% | 5.02% | 0.74% |
| BCB Bancorp, Inc. (NJ) | 0.39% | 0.24% | 0.02% |
Insider and Institutional Ownership
Analyst Recommendations
This is a breakdown of recent recommendations for Pioneer Bancorp and BCB Bancorp, Inc. (NJ), as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| BCB Bancorp, Inc. (NJ) | 0 | 4 | 0 | 0 | 2.00 |
BCB Bancorp, Inc. (NJ) has a consensus price target of $10.00, indicating a potential downside of 9.58%. Given BCB Bancorp, Inc. (NJ)’s higher probable upside, analysts clearly believe BCB Bancorp, Inc. (NJ) is more favorable than Pioneer Bancorp.
Earnings and Valuation
This table compares Pioneer Bancorp and BCB Bancorp, Inc. (NJ)”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bancorp | $31.81 million | 13.48 | $6.45 million | $0.66 | 25.91 |
| BCB Bancorp, Inc. (NJ) | $102.74 million | 1.87 | -$12.53 million | ($0.07) | -158.00 |
Pioneer Bancorp has higher earnings, but lower revenue than BCB Bancorp, Inc. (NJ). BCB Bancorp, Inc. (NJ) is trading at a lower price-to-earnings ratio than Pioneer Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Pioneer Bancorp beats BCB Bancorp, Inc. (NJ) on 9 of the 14 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 BCB Bancorp, Inc. (NJ)
BCB Bancorp, Inc. operates as a bank holding company for BCB Community Bank that engages in the provision of banking products and services to businesses and individuals in the United States. The company offers insured deposit products, including savings and club accounts, interest and non-interest-bearing demand accounts, money market accounts, certificates of deposit, and individual retirement accounts. It also provides various loan products, such as commercial and multi-family real estate loans, one-to-four family mortgage loans, commercial business loans, construction loans, home equity loans, and consumer loans. In addition, the company offers retail and commercial banking services comprising wire transfer, money order, safe deposit box, night depository, debit card, online and mobile banking, fraud detection, and automated teller services. The company was founded in 2000 and is based in Bayonne, New Jersey.
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