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Private Bancorp of America, Inc. (PBAM) vs Pioneer Bancorp, Inc. (PBFS)

Private Bancorp of America, Inc. and Pioneer Bancorp, Inc. are both Banks Regional companies. Private Bancorp of America, Inc. and Pioneer Bancorp, Inc. are of similar size ($482.0M and $453.0M). Private Bancorp of America, Inc. trades at the lower P/E: 10.8× against 26.3×. Pioneer Bancorp, Inc. grew revenue faster over the last twelve months: 15.1% against 3.55%. Private Bancorp of America, Inc. has the higher net margin (25.3% vs 0.00%) and the higher return on invested capital (0.00% vs 0.00%). Across the 17 metrics below, Private Bancorp of America, Inc. leads on 13 and Pioneer Bancorp, Inc. on 4.

Valuation

Metric PBAM PBFS Banks Regional median
P/E 10.85 26.28 11.87
P/S 2.74 3.25 2.35
P/B 1.68 1.36 1.23
Price to free cash flow 3.95 12.07 10.45
EV/EBITDA n/m — —
EV/Sales 0.97 — —
Earnings yield 9.22% 3.80% 8.34%
Free cash flow yield 25.33% 8.29% 9.37%

Profitability

Metric PBAM PBFS Banks Regional median
Gross margin 75.85% 75.63% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.34% 0.00% 18.99%
Free cash flow margin 69.32% 0.00% 18.19%
Return on equity 16.70% 3.95% 10.45%
Return on assets 1.72% 0.52% 1.15%
Return on invested capital 0.00% 0.00% 8.54%

Growth

Metric PBAM PBFS Banks Regional median
Revenue growth (TTM) 3.55% 15.13% 6.56%
EPS growth (last fiscal year) 12.52% 43.80% 18.85%
Revenue growth, 5-year CAGR 22.57% 12.85% 12.65%
Net income growth, 5-year CAGR 30.37% 31.30% 9.81%

Health

Metric PBAM PBFS Banks Regional median
Debt to equity 0.03 0.23 0.14
Current ratio 1.00 0.00 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PBAM PBFS Banks Regional median
Dividend yield — — 2.51%
Payout ratio — — 0.30

Size

Metric PBAM PBFS Banks Regional median
Market cap 482.02m 452.98m 915.17m

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