Pioneer Bancorp (NASDAQ:PBFS) vs. Bank of N.T. Butterfield & Son (NYSE:NTB) Head to Head Contrast

Bank of N.T. Butterfield & Son (NYSE:NTB) and Pioneer Bancorp (NASDAQ:PBFS) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings and profitability.

Valuation and Earnings

This table compares Bank of N.T. Butterfield & Son and Pioneer Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of N.T. Butterfield & Son	$800.02 million	2.94	$231.94 million	$5.73	9.79
Pioneer Bancorp	$104.65 million	4.28	$13.41 million	$0.54	33.39

Bank of N.T. Butterfield & Son has higher revenue and earnings than Pioneer Bancorp. Bank of N.T. Butterfield & Son is trading at a lower price-to-earnings ratio than Pioneer Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

62.7% of Bank of N.T. Butterfield & Son shares are held by institutional investors. 1.2% of Bank of N.T. Butterfield & Son shares are held by insiders. Comparatively, 2.8% of Pioneer Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Bank of N.T. Butterfield & Son and Pioneer Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of N.T. Butterfield & Son	29.21%	22.45%	1.79%
Pioneer Bancorp	N/A	4.05%	0.58%

Analyst Ratings

This is a breakdown of recent ratings for Bank of N.T. Butterfield & Son and Pioneer Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of N.T. Butterfield & Son	0	3	0	1	2.50
Pioneer Bancorp	0	0	1	0	3.00

Bank of N.T. Butterfield & Son presently has a consensus target price of $65.50, indicating a potential upside of 16.73%. Given Bank of N.T. Butterfield & Son’s higher probable upside, research analysts clearly believe Bank of N.T. Butterfield & Son is more favorable than Pioneer Bancorp.

Volatility and Risk

Bank of N.T. Butterfield & Son has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.42, meaning that its stock price is 58% less volatile than the S&P 500.

Summary

Bank of N.T. Butterfield & Son beats Pioneer Bancorp on 10 of the 15 factors compared between the two stocks.

About Bank of N.T. Butterfield & Son

The Bank of N.T. Butterfield & Son Ltd. provides community banking and wealth management business. The firm operates through the following geographical segments: Bermuda, the Cayman Islands, Channel Islands and the UK, and Other. The Bermuda and Cayman segments offer retail banking and wealth management. The Channel Islands and the UK segment refers to the retail and corporate banking and wealth management. The Other segment includes operations in the jurisdictions of The Bahamas, Canada, Mauritius, Singapore and Switzerland. The company was founded in 1858 and is headquartered in Hamilton, Bermuda.

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.