S&T Bancorp (NASDAQ:STBA – Get Free Report) and Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, profitability, analyst recommendations, institutional ownership, earnings, valuation and risk.
Risk and Volatility
S&T Bancorp has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500.
Profitability
This table compares S&T Bancorp and Pioneer Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| S&T Bancorp | 24.51% | 9.74% | 1.42% |
| Pioneer Bancorp | N/A | 5.02% | 0.74% |
Institutional & Insider Ownership
Valuation & Earnings
This table compares S&T Bancorp and Pioneer Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| S&T Bancorp | $568.51 million | 3.28 | $134.23 million | $3.76 | 13.77 |
| Pioneer Bancorp | $31.81 million | 13.99 | $6.45 million | $0.66 | 26.88 |
S&T Bancorp has higher revenue and earnings than Pioneer Bancorp. S&T 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.
Analyst Ratings
This is a breakdown of recent ratings and price targets for S&T Bancorp and Pioneer Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| S&T Bancorp | 0 | 5 | 2 | 0 | 2.29 |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
S&T Bancorp presently has a consensus target price of $46.60, indicating a potential downside of 10.02%. Given S&T Bancorp’s higher probable upside, equities analysts plainly believe S&T Bancorp is more favorable than Pioneer Bancorp.
Summary
S&T Bancorp beats Pioneer Bancorp on 10 of the 14 factors compared between the two stocks.
About S&T Bancorp
S&T Bancorp, Inc. is a bank holding company, which engages in the provision of consumer, commercial, and small business banking services. It operates through the following segments: Commercial Real Estate, Commercial and Industrial, Commercial Construction, Business Banking, Consumer Real Estate, and Other Consumer. The Commercial Real Estate segment includes both owner-occupied properties and investment properties for various purposes such as hotels, retail, multifamily and health care. The Commercial and Industrial segment focuses on the companies or manufacturers for the purpose of production, operating capacity, accounts receivable, inventory or equipment financing. The Commercial Construction segment refers to the finance construction of buildings or other structures, as well as to finance the acquisition and development of raw land for various purposes. The Business Banking segment is made to small businesses that are standard, non-complex products evaluated through a streamlined credit approval process that has been designed to maximize efficiency while maintaining high credit quality standards. The Consumer Real Estate segment offers first and second liens such as 1-4 family residential mortgages, home equity loans and home equity lines of credit. The Other Consumer segment consists of individuals that may be secured by assets other than 1-4 family residences, as well as unsecured loans. The company was founded on March 17, 1983 and is headquartered in Indiana, PA.
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.
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