Contrasting Jeffersonville Bancorp (OTCMKTS:JFBC) & Pioneer Bancorp (NASDAQ:PBFS)

Jeffersonville Bancorp (OTCMKTS:JFBC) and Pioneer Bancorp (NASDAQ:PBFS) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, profitability, institutional ownership and valuation.

Analyst Ratings

This is a summary of recent ratings and target prices for Jeffersonville Bancorp and Pioneer Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jeffersonville Bancorp	0	0	0	0	0.00
Pioneer Bancorp	0	0	1	0	3.00

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Jeffersonville Bancorp	36.66%	12.70%	1.88%
Pioneer Bancorp	16.02%	6.43%	0.95%

Volatility & Risk

Jeffersonville Bancorp has a beta of 0.15, meaning that its stock price is 85% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500.

Valuation and Earnings

This table compares Jeffersonville Bancorp and Pioneer Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Jeffersonville Bancorp	$34.24 million	3.52	$12.55 million	$2.97	9.59
Pioneer Bancorp	$31.81 million	11.32	$6.45 million	$0.80	17.95

Jeffersonville Bancorp has higher revenue and earnings than Pioneer Bancorp. Jeffersonville 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.

Summary

Jeffersonville Bancorp beats Pioneer Bancorp on 6 of the 11 factors compared between the two stocks.

About Jeffersonville Bancorp

Jeffersonville Bancorp operates as the bank holding company for Jeff Bank that provides community banking services to individuals, small businesses, and local municipal governments primarily in Sullivan County, New York. The company offers various deposit products, such as checking, money market, savings, and NOW, as well as demand and time deposits. It also offers commercial mortgage, farmland, construction, real estate, agricultural, residential mortgage, home equity, consumer, installment, and other consumer loans. The company was founded in 1913 and is based in Jeffersonville, New York.

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.