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Pioneer Bank Shares (OTCMKTS: PNBI – Get a rating) and American National Bankshares (NASDAQ: AMNB – Get a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on their risk strength, profitability, institutional ownership, earnings, valuation, dividends, and analyst recommendations.
Risk and Volatility
Pioneer Bankshares has a beta of 0.36, indicating its stock price is 64% less volatile than the S&P 500. In comparison, American National Bankshares has a beta of 1.05, indicating its stock price is 5 % more volatile than the S&P 500.
Analyst Recommendations
This is a summary of recent ratings and price targets for Pioneer Bankshares and American National Bankshares, as provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| Pioneering banking actions | 0 | 0 | 0 | 0 | N / A |
| US National Bank Stocks | 0 | 0 | 2 | 0 | 3.00 |
American National Bankshares has a consensus price target of $38.25, suggesting a potential upside of 4.62%. Given the likely higher upside of American National Bankshares, analysts clearly believe that American National Bankshares is more favorable than Pioneer Bankshares.
Profitability
This table compares the net margins, return on equity and return on assets of Pioneer Bankshares and American National Bankshares.
| Net margins | Return on equity | return on assets | |
| Pioneering banking actions | N / A | N / A | N / A |
| US National Bank Stocks | 37.26% | 12.48% | 1.35% |
Valuation and benefits
This table compares the earnings, earnings per share (EPS), and valuation of Pioneer Bankshares and American National Bankshares.
| 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 |
| US National Bank Stocks | $116.83 million | 3.26 | $43.53 million | $4.01 | 9.12 |
American National Bankshares has higher revenue and profit than Pioneer Bankshares.
Dividends
Pioneer Bankshares pays an annual dividend of $0.96 per share and has a dividend yield of 3.2%. American National Bankshares pays an annual dividend of $1.12 per share and has a dividend yield of 3.1%. American National Bankshares pays 27.9% of its profits as a dividend. American National Bankshares has increased its dividend for 1 consecutive years.
Institutional and insider ownership
37.6% of American National Bankshares shares are held by institutional investors. 13.7% of Pioneer Bankshares shares are held by insiders. By comparison, 4.0% of American National Bankshares’ shares are held by insiders. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company is poised for long-term growth.
Summary
American National Bankshares beats Pioneer Bankshares on 9 out of 12 factors compared between the two stocks.
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.
American National Bankshares Company Profile (Get a rating)
American National Bankshares Inc. operates as a bank holding company for American National Bank and Trust Company which provides financial products and services. The Company operates in two segments, Community Banking and Wealth Management. It accepts deposit products including checks, money market, savings, and term deposits from consumers and businesses. The Company’s lending products include commercial and residential real estate loans, small and medium business commercial loans, construction and land development loans, home equity loans, mortgage loans and the consumption. It also offers wealth management services, including estate planning, trust account administration and retail brokerage services; investment management services, such as purchasing stocks, fixed income securities and mutual fund investments for client accounts; online and telephone banking; and insurance services, and operates 37 ATMs. As of December 31, 2021, the company operated 26 banking offices in south-central Virginia and north-central North Carolina; and a loan origination office in Roanoke, Virginia. American National Bankshares Inc. was founded in 1909 and is based in Danville, Virginia.
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