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Avidia Bancorp, Inc. (AVBC) vs Pioneer Bancorp, Inc. (PBFS)

Avidia Bancorp, Inc. and Pioneer Bancorp, Inc. are both Banks Regional companies. Avidia Bancorp, Inc. and Pioneer Bancorp, Inc. are of similar size ($440.5M and $436.0M). Avidia Bancorp, Inc. trades at the lower P/E: 23.1× against 25.2×. Pioneer Bancorp, Inc. grew revenue faster over the last twelve months: 15.1% against 7.16%. Pioneer Bancorp, Inc. has the higher net margin (12.5% vs 11.5%) and the higher return on invested capital (6.26% vs 2.89%). Across the 15 metrics below, Avidia Bancorp, Inc. leads on 9 and Pioneer Bancorp, Inc. on 6.

Valuation

Metric AVBC PBFS Banks Regional median
P/E 23.12 25.24 11.98
P/S 2.67 3.13 2.34
P/B 1.05 1.29 1.19
Price to free cash flow 8.49 18.00 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 4.33% 3.96% 8.23%
Free cash flow yield 11.78% 5.56% 9.08%

Profitability

Metric AVBC PBFS Banks Regional median
Gross margin 73.91% 75.63% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 11.52% 12.49% 18.66%
Free cash flow margin 31.47% 17.40% 21.11%
Return on equity 6.06% 5.24% 10.65%
Return on assets 0.61% 0.76% 1.13%
Return on invested capital 2.89% 6.26% 8.35%

Growth

Metric AVBC PBFS Banks Regional median
Revenue growth (TTM) 7.16% 15.13% 6.98%
EPS growth (last fiscal year) — 43.80% 18.88%
Revenue growth, 5-year CAGR — 12.85% 12.38%
Net income growth, 5-year CAGR — 31.30% 9.71%

Health

Metric AVBC PBFS Banks Regional median
Debt to equity 0.48 0.00 0.22
Current ratio 1.05 1.00 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric AVBC PBFS Banks Regional median
Dividend yield 0.73% — 2.57%
Payout ratio 0.17 — 0.30

Size

Metric AVBC PBFS Banks Regional median
Market cap 435.95m 440.45m 913.33m

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