Pioneer Bank Shares (OTCMKTS: PNBIGet a rating) and Sandy Spring Bancorp (NASDAQ: SASRGet a rating) are both small cap finance companies, but which stock is better? We’ll compare the two companies based on valuation strength, risk, earnings, institutional ownership, profitability, dividends, and analyst recommendations.

Dividends

Pioneer Bankshares pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. Sandy Spring Bancorp pays an annual dividend of $1.36 per share and has a dividend yield of 3.2%. Sandy Spring Bancorp pays 27.4% of its profits as a dividend. Sandy Spring Bancorp has increased its dividend for 13 consecutive years.

Profitability

This table compares the net margins, return on equity and return on assets of Pioneer Bankshares and Sandy Spring Bancorp.

Net margins Return on equity return on assets
Pioneering banking actions N / A N / A N / A
Sandy Spring Bancorp 42.57% 13.80% 1.65%

Institutional and insider ownership

66.6% of Sandy Spring Bancorp shares are held by institutional investors. 13.7% of Pioneer Bankshares shares are held by insiders. By comparison, 3.1% of Sandy Spring Bancorp’s shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.

Valuation and benefits

This chart compares the earnings, earnings per share (EPS), and valuation of Pioneer Bankshares and Sandy Spring Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Pioneering banking actions N / A N / A N / A N / A N / A
Sandy Spring Bancorp $552.34 million 3.52 $235.11 million $4.96 8.68

Sandy Spring Bancorp has higher revenue and profit than Pioneer Bankshares.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Pioneer Bankshares and Sandy Spring Bancorp, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Pioneering banking actions 0 0 0 0 N / A
Sandy Spring Bancorp 0 0 1 0 3.00

Sandy Spring Bancorp has a consensus target price of $61.00, indicating a potential upside of 41.66%. Given Sandy Spring Bancorp’s possible higher upside, analysts clearly believe that Sandy Spring Bancorp is more favorable than Pioneer Bankshares.

Risk and Volatility

Pioneer Bankshares has a beta of 0.36, suggesting its stock price is 64% less volatile than the S&P 500. By comparison, Sandy Spring Bancorp has a beta of 1.01, suggesting its stock price is 1 % more volatile than the S&P 500.

Summary

Sandy Spring Bancorp beats Pioneer Bankshares on 9 out of 12 factors compared between the two stocks.

Pioneer Bankshares Company Profile (Get a rating)

Pioneer Bankshares LogoPioneer Bankshares, Inc. operates as a bank holding company for Pioneer Bank, Inc. which provides various banking and related financial services in Virginia. The Company offers various deposit products, including business and personal checking accounts, savings accounts and certificates of deposit. Its personal loans include personal installment and single payment loans, and automobile loans; and business loans include working capital, equipment loans, investment properties, lines of credit, business expansion and property acquisition or construction, as well as mortgages and home equity loans. The company also provides credit and debit cards, safe deposit boxes, online and mobile banking, remote deposit collection and cash management services. In addition, it offers investment products, such as Individual Retirement Accounts, 529 Education Savings Plans, Small Business Investment Strategies, Fixed and Variable Annuities, Personalized Investment Advisory Services , as well as insurance products and services. It operates branches in Stanley, Luray, Shenandoah, Harrisonburg, Stanardsville, Charlottesville and Ruckersville. The company was founded in 1909 and is based in Stanley, Virginia.

Sandy Spring Bancorp Company Profile (Get a rating)

Sandy Spring Bancorp LogoSandy Spring Bancorp, Inc. operates as a bank holding company for Sandy Spring Bank which provides commercial and retail banking, mortgage, private banking and trust services to individuals and businesses. It operates through three segments: Community Banking, Insurance and Investment Management. The Community Banking segment offers financial products and services, including various loan and deposit products. Its lending products include commercial real estate loans, commercial construction loans and other commercial loans; residential real estate loans; and consumer loans including home equity loans and lines of credit, installment loans and personal lines of credit. The Insurance segment provides general insurance agency services and annuities, such as commercial, personal and medical liability lines. The Investment Management segment offers investment management and financial planning, including cash flow analysis, investment review, tax and retirement planning, insurance analysis and estate planning to individuals , families, small businesses and associations. It also provides personal trust and wealth management services. The company operates a network of approximately 50 locations in Maryland, Northern Virginia and Washington DC. Sandy Spring Bancorp, Inc. was founded in 1868 and is headquartered in Olney, Maryland.



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