United Community Financial (NASDAQ:UCFC) 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 profitability, risk, dividends, institutional ownership, earnings, valuation and analyst recommendations.
Earnings & Valuation
This table compares United Community Financial and Pioneer Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|United Community Financial||$133.97 million||3.96||$37.18 million||$0.74||14.91|
|Pioneer Bancorp||$48.52 million||7.39||N/A||N/A||N/A|
This table compares United Community Financial and Pioneer Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|United Community Financial||27.17%||12.36%||1.37%|
This is a breakdown of current ratings for United Community Financial and Pioneer Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|United Community Financial||0||2||0||0||2.00|
Insider & Institutional Ownership
64.9% of United Community Financial shares are held by institutional investors. Comparatively, 15.0% of Pioneer Bancorp shares are held by institutional investors. 3.2% of United Community Financial shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
United Community Financial beats Pioneer Bancorp on 6 of the 7 factors compared between the two stocks.
About United Community Financial
United Community Financial Corp. operates as the holding company for Home Savings Bank that provides consumer and business banking services. The company offers various deposit instruments, including checking accounts, regular savings accounts, money market accounts, individual retirement accounts, and certificates of deposit. It provides commercial loans, such as multifamily loans; nonresidential real estate loans comprising retail centers, office buildings, and industrial buildings; land loans; loans for the construction of multifamily properties and nonresidential real estate projects; and secured and unsecured loans, including traditional lines of credit, revolving lines of credit, and term loans. The company also offers residential mortgage loans consisting of one-to four-family loans; loans for the construction of one-to four-family residences; and consumer loans, such as home equity loans, home equity lines of credit, vehicle loans, unsecured loans, and cash-secured loans. In addition, it provides insurance products for business and residential customers, including auto, homeowners, life-health, commercial, surety bonds, and aviation. The company offers services through its main office located in Youngstown, Ohio; and 35 retail banking offices, 3 wealth management offices, and 12 loan production centers located in Ohio, Western Pennsylvania, and West Virginia. United Community Financial Corp. was founded in 1889 and is based in Youngstown, Ohio.
About Pioneer Bancorp
Pioneer Bancorp, Inc. operates as the holding company for Pioneer Savings Bank that provides various financial services in the capital region of New York State. It accepts various deposit products, including demand, savings, money market, checking, and certificate of deposit accounts; and offers municipal deposit banking services. The company also offers commercial real estate loans that are secured by office buildings, industrial facilities, retail facilities, multi-family properties, and other commercial properties; commercial and industrial, commercial construction, and one- to four-family residential real estate loans; home equity loans and lines of credit; and consumer loans. In addition, it invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. Further, the company sells commercial and consumer insurance products, and employee benefit products and services; and provides wealth management services. As of July 17, 2019, it operated through 22 branches in Albany, Rensselaer, Saratoga, Greene, Schenectady, and Warren Counties. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp MHC.
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