WaFd (NASDAQ:WAFD) & Pioneer Bankshares (OTCMKTS:PNBI) Head-To-Head Analysis

WaFd (NASDAQ:WAFD) and Pioneer Bankshares (OTCMKTS:PNBI) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings and profitability.

Analyst Ratings

This is a summary of recent recommendations for WaFd and Pioneer Bankshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WaFd	0	3	1	0	2.25
Pioneer Bankshares	0	0	0	0	0.00

WaFd currently has a consensus price target of $36.00, suggesting a potential upside of 21.70%. Given WaFd’s stronger consensus rating and higher probable upside, analysts clearly believe WaFd is more favorable than Pioneer Bankshares.

Institutional & Insider Ownership

83.7% of WaFd shares are held by institutional investors. 1.5% of WaFd shares are held by insiders. Comparatively, 13.7% of Pioneer Bankshares shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk and Volatility

WaFd has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. Comparatively, Pioneer Bankshares has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500.

Profitability

This table compares WaFd and Pioneer Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
WaFd	12.66%	8.83%	0.81%
Pioneer Bankshares	N/A	N/A	N/A

Dividends

WaFd pays an annual dividend of $1.04 per share and has a dividend yield of 3.5%. Pioneer Bankshares pays an annual dividend of $1.00 per share and has a dividend yield of 3.8%. WaFd pays out 47.9% of its earnings in the form of a dividend.

Earnings and Valuation

This table compares WaFd and Pioneer Bankshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WaFd	$1.43 billion	1.68	$200.04 million	$2.17	13.63
Pioneer Bankshares	$15.49 million	1.71	$1.90 million	N/A	N/A

WaFd has higher revenue and earnings than Pioneer Bankshares.

Summary

WaFd beats Pioneer Bankshares on 10 of the 14 factors compared between the two stocks.

About WaFd

WaFd, Inc operates as the bank holding company for Washington Federal Bank that provides lending, depository, insurance, and other banking services in the United States. The company offers deposit products, including business and personal checking accounts, and term certificates of deposit, as well as money market accounts and passbook savings accounts. It also provides single-family dwellings, construction, land acquisition and development, consumer lot, multi-family residential, commercial real estate, home equity, business, and consumer loans, as well as commercial and industrial loans. In addition, the company offers insurance brokerage services, such as individual and business insurance policies; holds and markets real estate properties; and debit and credit cards, as well as acts as the trustee. It serves consumers, mid-sized and large businesses, and owners and developers of commercial real estate. The company was formerly known as Washington Federal, Inc. and changed its name to WaFd, Inc in September 2023. WaFd, Inc was founded in 1917 and is headquartered in Seattle, Washington.

About Pioneer Bankshares

Pioneer Bankshares, Inc. operates as the bank holding company for Pioneer Bank, Inc. that provides various banking and related financial services to individual consumers, small to medium size businesses, and professional community in the United States. The company offers various deposit products, which include business and personal checking accounts, savings accounts, and certificates of deposit. Its personal loans comprise personal installment and single-pay, and auto loans; and business loans consists of operating capital, equipment loans, investment properties, lines of credit, business expansion, and property acquisition or construction, as well as home mortgage and home equity loans. In addition, the company provides credit and debit cards, safe deposit boxes, online and mobile banking tools, merchant services, and cash management services. Further, it offers investment products, such as individual retirement accounts, 529 college savings plans, small business investment strategies, fixed, and variable annuities. Additionally, the company provides personalized investment advisory services, as well as securities and insurance products and services. Pioneer Bankshares, Inc. was founded in 1909 and is headquartered in Stanley, Virginia.