Reviewing Pioneer Bancorp (NASDAQ:PBFS) and WVS Financial (NASDAQ:WVFC)

Pioneer Bancorp (NASDAQ:PBFS) and WVS Financial (NASDAQ:WVFC) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their risk, analyst recommendations, valuation, institutional ownership, earnings, profitability and dividends.

Institutional & Insider Ownership

22.8% of WVS Financial shares are held by institutional investors. 17.4% of WVS Financial shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Dividends

WVS Financial pays an annual dividend of $0.40 per share and has a dividend yield of 2.3%. Pioneer Bancorp does not pay a dividend. WVS Financial has raised its dividend for 2 consecutive years.

Profitability

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

Net Margins Return on Equity Return on Assets
Pioneer Bancorp N/A N/A N/A
WVS Financial 22.38% 8.10% 0.79%

Analyst Recommendations

This is a summary of current recommendations and price targets for Pioneer Bancorp and WVS Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Pioneer Bancorp 0 0 0 0 N/A
WVS Financial 0 0 0 0 N/A

Earnings and Valuation

This table compares Pioneer Bancorp and WVS Financial’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Pioneer Bancorp N/A N/A N/A N/A N/A
WVS Financial $12.47 million 2.66 $2.80 million N/A N/A

WVS Financial has higher revenue and earnings than Pioneer Bancorp.

Summary

WVS Financial beats Pioneer Bancorp on 8 of the 8 factors compared between the two stocks.

About Pioneer Bancorp

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.

About WVS Financial

WVS Financial Corp. operates as the bank holding company for West View Savings Bank that provides various banking products and services to residents and businesses. The company offers deposit products, including regular savings accounts, demand accounts, negotiable order of withdrawal accounts, money market deposit accounts, and certificates of deposit, as well as individual retirement account certificates. It also provides single-family and multi-family residential real estate loans; commercial real estate loans; construction loans; land acquisition and development loans; commercial loans comprising loans secured by accounts receivable, marketable investment securities, business inventory and equipment, and related collaterals; and consumer loans, such as home equity loans, home equity lines of credit, loans secured by deposit accounts, and personal and education loans. The company operates six offices in the North Hills suburbs of Pittsburgh, Pennsylvania. WVS Financial Corp. was founded in 1993 and is based in Pittsburgh, Pennsylvania.

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