Comparing WCF Bancorp (OTCMKTS:WCFB) & Pioneer Bancorp (NASDAQ:PBFS)

WCF Bancorp (OTCMKTS:WCFB) and Pioneer Bancorp (NASDAQ:PBFS) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their earnings, profitability, risk, valuation, analyst recommendations, institutional ownership and dividends.

Analyst Ratings

This is a summary of current recommendations for WCF Bancorp and Pioneer Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WCF Bancorp	0	0	0	0	0.00
Pioneer Bancorp	0	0	1	0	3.00

Valuation and Earnings

This table compares WCF Bancorp and Pioneer Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WCF Bancorp	$12.05 million	0.92	-$2.28 million	N/A	N/A
Pioneer Bancorp	$31.81 million	12.77	$6.45 million	$0.66	24.55

Pioneer Bancorp has higher revenue and earnings than WCF Bancorp.

Profitability

This table compares WCF Bancorp and Pioneer Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
WCF Bancorp	N/A	N/A	N/A
Pioneer Bancorp	16.17%	5.02%	0.74%

Risk & Volatility

WCF Bancorp has a beta of 0.06, suggesting that its share price is 94% less volatile than the S&P 500. Comparatively, Pioneer Bancorp has a beta of 0.42, suggesting that its share price is 58% less volatile than the S&P 500.

Summary

Pioneer Bancorp beats WCF Bancorp on 9 of the 9 factors compared between the two stocks.

About WCF Bancorp

WCF Bancorp, Inc. operates as the bank holding company for WCF Financial Bank that provides commercial banking products and services to individuals and businesses. The company offers checking and saving accounts; certificates of deposit; personal, mortgage, business, agricultural, and commercial real estate loans; debit and credit cards; and other products. It operates through full-service offices in Webster City, Independence, and Tama, Iowa. The company was founded in 1934 and is based in Webster City, Iowa.

About Pioneer Bancorp

Pioneer Bancorp, Inc. operates as a holding company for Pioneer Savings Bank that provides various banking products and services in New York. The company accepts various deposit products, such as demand, savings, and money market accounts, as well as certificates of deposit accounts. Its loan products include commercial real estate, commercial and industrial, commercial construction, residential mortgage lending, consumer loans, and home equity lines of credit. The company also invests in the U.S. governmental securities, fixed rate collateralized mortgage obligations, mortgage-backed securities, fixed-rate investment grade bonds, and equity securities. In addition, the company offers personal and commercial insurance products, including homeowners, automobile, and comprehensive business insurance; employee benefit products and services, such as group health, dental, disability, and life insurance products, as well as defined contribution, defined benefit administration, and human resource management services; and wealth management services comprising investment advice, retirement income planning, estate planning, business succession, and employer retirement planning. The company was founded in 1889 and is based in Albany, New York. Pioneer Bancorp, Inc. operates as a subsidiary of Pioneer Bancorp, MHC.