Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) and Banco Bradesco (NYSE:BBD – Get Free Report) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their profitability, valuation, analyst recommendations, dividends, institutional ownership, risk and earnings.
Profitability
This table compares Pioneer Bancorp and Banco Bradesco’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pioneer Bancorp | N/A | 4.05% | 0.58% |
| Banco Bradesco | 12.58% | 15.06% | 1.14% |
Risk and Volatility
Pioneer Bancorp has a beta of 0.43, suggesting that its stock price is 57% less volatile than the S&P 500. Comparatively, Banco Bradesco has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and price targets for Pioneer Bancorp and Banco Bradesco, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Banco Bradesco | 0 | 6 | 1 | 0 | 2.14 |
Banco Bradesco has a consensus target price of $4.05, indicating a potential upside of 58.51%. Given Banco Bradesco’s higher probable upside, analysts plainly believe Banco Bradesco is more favorable than Pioneer Bancorp.
Earnings and Valuation
This table compares Pioneer Bancorp and Banco Bradesco”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bancorp | $104.65 million | 4.39 | $13.41 million | $0.54 | 34.21 |
| Banco Bradesco | $41.79 billion | 0.65 | $4.24 billion | $0.46 | 5.55 |
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 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.
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.
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