Bank of California (NYSE: BENCH – Get a rating) and Pioneer Bankshares (OTCMKTS: PNBI – Get a rating) are both small cap finance companies, but which stock is better? We’ll compare the two companies based on their risk strength, valuation, earnings, profitability, dividends, analyst recommendations and institutional ownership.
Analyst Recommendations
This is a summary of the current recommendations and price targets for Banc of California and Pioneer Bankshares, as provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| California bench | 0 | 2 | 0 | 0 | 2.00 |
| Pioneering banking actions | 0 | 0 | 0 | 0 | N / A |
Banc of California currently has a consensus price target of $22.00, indicating a potential upside of 21.95%. Given Banc of California’s possible higher upside, research analysts clearly believe that Banc of California is more favorable than Pioneer Bankshares.
Insider and Institutional Ownership
92.7% of Banc of California shares are held by institutional investors. 12.3% of Banc of California stock is held by insiders of the company. By comparison, 13.7% of shares in Pioneer Bankshares are held by insiders of the company. Strong institutional ownership indicates that large money managers, endowments, and hedge funds believe a stock will outperform the market over the long term.
Risk and Volatility
Banc of California has a beta of 1.5, meaning its stock price is 50% more volatile than the S&P 500. In comparison, Pioneer Bankshares has a beta of 0.36, meaning its stock price is 64 % less volatile than the S&P 500.
Profitability
This table compares the net margins, return on equity and return on assets of Banc of California and Pioneer Bankshares.
| Net margins | Return on equity | return on assets | |
| California bench | 29.44% | 12.00% | 1.17% |
| Pioneering banking actions | N / A | N / A | N / A |
Dividends
Banc of California pays an annual dividend of $0.24 per share and has a dividend yield of 1.3%. Pioneer Bankshares pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. Banc of California pays 15.8% of its profits as a dividend.
Valuation and benefits
This chart compares the revenue, earnings per share (EPS), and valuation of Banc of California and Pioneer Bankshares.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| California bench | $310.59 million | 3.64 | $62.35 million | $1.52 | 11.87 |
| Pioneering banking actions | N / A | N / A | N / A | N / A | N / A |
Banc of California has higher revenues and profits than Pioneer Bankshares.
Summary
Banc of California beats Pioneer Bankshares on 7 out of 10 factors compared between the two stocks.
Banc of California Company Profile (Get a rating)
Banc of California, Inc. operates as a bank holding company for Banc of California, a national association that provides banking products and services in the United States. The Company offers deposit products, including interest-bearing and non-interest-bearing checking, savings, money market, retirement and current accounts, as well as certificates of deposit. It also offers various commercial and consumer loan products, such as commercial and industrial loans; commercial and multi-family real estate loans; building loans; single family residential mortgages; warehouse and indirect/direct leveraged loans; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the Company offers automated bill payment, cash and cash management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house issuance, wire transfer banking, direct deposit and internet banking; and main sight accounts, interest rate swaps and safe deposit boxes. In addition, it invests in secured loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana , in California.
Pioneer Bankshares Company Profile (Get a rating)
Pioneer 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.
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