Reviewing Pioneer Bancorp (NASDAQ:PBFS) & Banco Bradesco (NYSE:BBD)

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

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	2.72%	0.38%
Banco Bradesco	12.58%	15.06%	1.14%

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	4.35	$8.95 million	$0.36	50.92
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.

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 Recommendations

This is a summary of current recommendations 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, suggesting a potential upside of 58.51%. Given Banco Bradesco’s higher possible upside, analysts plainly believe Banco Bradesco is more favorable than Pioneer Bancorp.

Summary

Banco Bradesco beats Pioneer Bancorp on 8 of the 11 factors compared between the two stocks.

About Pioneer Bancorp

Pioneer Bancorp, Inc. is the holding company for Pioneer Bank, a community bank headquartered in the Capital Region of New York. The bank serves individuals, families and businesses through a network of branches and digital banking services. Its offerings include personal and business deposit accounts, residential mortgages, consumer loans and commercial lending. The bank also provides services such as online and mobile banking to support customers’ everyday financial needs. Pioneer Bank traces its roots to 1889 and primarily serves communities in and around the Capital Region, including the Albany area.

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.