Pioneer Bancorp (NASDAQ:PBFS – Get Free Report) and Freddie Mac (OTCMKTS:FMCC – Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, earnings, dividends, institutional ownership, profitability, analyst recommendations and risk.
Profitability
This table compares Pioneer Bancorp and Freddie Mac’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Pioneer Bancorp | N/A | 4.05% | 0.58% |
| Freddie Mac | 9.58% | -90.29% | 0.37% |
Risk & Volatility
Pioneer Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, Freddie Mac has a beta of 1.73, meaning that its share price is 73% more volatile than the S&P 500.
Earnings and Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Pioneer Bancorp | $104.65 million | 4.21 | $13.41 million | $0.54 | 32.81 |
| Freddie Mac | $129.82 billion | 0.02 | $10.73 billion | $0.01 | 400.00 |
Freddie Mac has higher revenue and earnings than Pioneer Bancorp. Pioneer Bancorp is trading at a lower price-to-earnings ratio than Freddie Mac, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Pioneer Bancorp and Freddie Mac, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Pioneer Bancorp | 0 | 0 | 1 | 0 | 3.00 |
| Freddie Mac | 1 | 2 | 1 | 1 | 2.40 |
Freddie Mac has a consensus price target of $11.12, indicating a potential upside of 178.12%. Given Freddie Mac’s higher possible upside, analysts plainly believe Freddie Mac is more favorable than Pioneer Bancorp.
Summary
Freddie Mac beats Pioneer Bancorp on 7 of the 12 factors compared between the two stocks.
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.
About Freddie Mac
Federal Home Loan Mortgage Corporation operates in the secondary mortgage market in the United States. It operates through two segments, Single-Family and Multifamily. The Single-Family segment purchases, securitizes, and guarantees single-family loans; and manages single-family mortgage credit and market risk, as well as manages mortgage-related investments portfolio, single-family securitization activities, and treasury functions. This segment serves mortgage banking companies, commercial banks, regional banks, community banks, credit unions, housing finance agencies, savings institutions, and non-depository financial institutions. The Multifamily segment engages in the purchase, securitization, and guarantee of multifamily loans; issuance of multifamily K certificates; manages multifamily mortgage credit and market risk; and invests in multifamily loans and mortgage-related securities. It serves banks and other financial institutions, insurance companies, money managers, hedge funds, pension funds, state and local governments, and broker dealers. Federal Home Loan Mortgage Corporation incorporated in 1970 and is headquartered in McLean, Virginia.
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