Pioneer Bancorp (PBFS) Competitors

Pioneer Bancorp (NASDAQ:PBFS) and Coastal Financial (NASDAQ:CCB) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their dividends, risk, analyst recommendations, profitability, earnings, community ranking, media sentiment, institutional ownership and valuation.

Do analysts recommend PBFS or CCB?

Coastal Financial has a consensus price target of $93.00, indicating a potential upside of 3.83%. Given Coastal Financial's stronger consensus rating and higher possible upside, analysts clearly believe Coastal Financial is more favorable than Pioneer Bancorp.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pioneer Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Coastal Financial	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.25

Does the media favor PBFS or CCB?

In the previous week, Coastal Financial had 3 more articles in the media than Pioneer Bancorp. MarketBeat recorded 3 mentions for Coastal Financial and 0 mentions for Pioneer Bancorp. Coastal Financial's average media sentiment score of 0.47 beat Pioneer Bancorp's score of 0.00 indicating that Coastal Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Pioneer Bancorp	Neutral
Coastal Financial	Neutral

Is PBFS or CCB more profitable?

Pioneer Bancorp has a net margin of 16.26% compared to Coastal Financial's net margin of 6.43%. Coastal Financial's return on equity of 14.98% beat Pioneer Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Pioneer Bancorp	16.26%	6.16%	0.93%
Coastal Financial	6.43%	14.98%	1.20%

Which has more volatility and risk, PBFS or CCB?

Pioneer Bancorp has a beta of 0.49, meaning that its stock price is 51% less volatile than the S&P 500. Comparatively, Coastal Financial has a beta of 1.23, meaning that its stock price is 23% more volatile than the S&P 500.

Does the MarketBeat Community prefer PBFS or CCB?

Coastal Financial received 1 more outperform votes than Pioneer Bancorp when rated by MarketBeat users. Likewise, 66.67% of users gave Coastal Financial an outperform vote while only 42.86% of users gave Pioneer Bancorp an outperform vote.

Company	Underperform	Outperform
Pioneer Bancorp	Outperform Votes 15 42.86%	Underperform Votes 20 57.14%
Coastal Financial	Outperform Votes 16 66.67%	Underperform Votes 8 33.33%

Which has higher valuation & earnings, PBFS or CCB?

Coastal Financial has higher revenue and earnings than Pioneer Bancorp. Pioneer Bancorp is trading at a lower price-to-earnings ratio than Coastal Financial, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pioneer Bancorp	$79.44M	3.84	$15.26M	$0.73	16.10
Coastal Financial	$458.36M	2.65	$45.22M	$3.25	27.56

Do insiders & institutionals believe in PBFS or CCB?

59.2% of Coastal Financial shares are owned by institutional investors. 1.8% of Pioneer Bancorp shares are owned by company insiders. Comparatively, 16.8% of Coastal Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

Coastal Financial beats Pioneer Bancorp on 17 of the 19 factors compared between the two stocks.