Pioneer Bancorp (NASDAQ:PBFS – Get Rating) and Cullman Bancorp (NASDAQ:CULL – Get Rating) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, valuation, institutional ownership, risk, profitability, analyst recommendations and dividends.
Profitability
This table compares Pioneer Bancorp and Cullman Bancorp's net margins, return on equity and return on assets.
Get Pioneer Bancorp alerts:| Net Margins | Return on Equity | Return on Assets | |
| Pioneer Bancorp | 20.05% | 5.80% | 0.72% |
| Cullman Bancorp | 22.97% | 4.23% | 1.07% |
Analyst Recommendations
This is a summary of current ratings and price targets for Pioneer Bancorp and Cullman Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bancorp | 0 | 0 | 0 | 0 | N/A |
| Cullman Bancorp | 0 | 0 | 0 | 0 | N/A |
Valuation and Earnings
This table compares Pioneer Bancorp and Cullman Bancorp's revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bancorp | $57.92 million | 3.75 | $10.28 million | N/A | N/A |
| Cullman Bancorp | $18.22 million | 4.29 | $4.18 million | $0.53 | 20.00 |
Pioneer Bancorp has higher revenue and earnings than Cullman Bancorp.
Risk and Volatility
Pioneer Bancorp has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Cullman Bancorp has a beta of 0.06, suggesting that its share price is 94% less volatile than the S&P 500.
Institutional & Insider Ownership
21.9% of Pioneer Bancorp shares are owned by institutional investors. Comparatively, 7.0% of Cullman Bancorp shares are owned by institutional investors. 0.7% of Pioneer Bancorp shares are owned by company insiders. Comparatively, 15.7% of Cullman Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Summary
Pioneer Bancorp beats Cullman Bancorp on 6 of the 10 factors compared between the two stocks.
About Pioneer Bancorp
(Get Rating)
Pioneer Bancorp, Inc. (New York) operates as a two-tier mutual holding company for Pioneer Bank. The company was founded in March 2019 and is headquartered in Albany, NY.
About Cullman Bancorp
(Get Rating)
Cullman Bancorp, Inc. is a holding company that engages in the provision of financial savings services through its subsidiary. Its subsidiary business offers deposits and loans. The company was founded in 1887 and is headquartered in Cullman, AL.
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