Analyzing Pioneer Bancorp (NASDAQ:PBFS) and Banco Bradesco (NYSE:BBD)

Banco Bradesco (NYSE:BBD) and Pioneer Bancorp (NASDAQ:PBFS) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, analyst recommendations, earnings, valuation, institutional ownership, dividends and profitability.

Volatility and Risk

Banco Bradesco has a beta of 0.56, meaning that its stock price is 44% 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.

Analyst Ratings

This is a summary of recent recommendations for Banco Bradesco and Pioneer Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banco Bradesco	0	6	1	0	2.14
Pioneer Bancorp	0	0	1	0	3.00

Banco Bradesco currently has a consensus target price of $4.05, suggesting a potential upside of 58.51%. Given Banco Bradesco’s higher probable upside, equities analysts clearly believe Banco Bradesco is more favorable than Pioneer Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Banco Bradesco	12.58%	15.06%	1.14%
Pioneer Bancorp	N/A	4.05%	0.58%

Valuation and Earnings

This table compares Banco Bradesco and Pioneer Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banco Bradesco	$41.79 billion	0.65	$4.24 billion	$0.46	5.55
Pioneer Bancorp	$104.65 million	4.39	$13.41 million	$0.54	34.21

Banco Bradesco has higher revenue and earnings than Pioneer Bancorp. Banco Bradesco 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

Banco Bradesco beats Pioneer Bancorp on 7 of the 11 factors compared between the two stocks.

About Banco Bradesco

Banco Bradesco S.A. is a Brazilian financial services company offering banking, insurance and related services to individuals, businesses and institutions. Its banking products include checking and savings accounts, loans, credit cards, investment services and solutions for corporate clients. The company also operates in insurance, private pensions and capitalization products, and provides services such as asset management and consortium financing. Bradesco serves customers primarily across Brazil through digital channels and a nationwide branch and service network.

About Pioneer Bancorp

Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, a community-focused financial institution headquartered in Albany, New York. Through its banking subsidiary, the company provides a range of financial services to individuals, families, businesses and municipalities. Pioneer Bank offers deposit products, including checking, savings, money market and certificate accounts, along with residential mortgages, home equity financing, consumer loans, commercial real estate lending and commercial and industrial loans.