Head to Head Survey: Pioneer Bankshares (OTCMKTS:PNBI) & Intesa Sanpaolo (OTCMKTS:ISNPY)

Intesa Sanpaolo (OTCMKTS:ISNPY) and Pioneer Bankshares (OTCMKTS:PNBI) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their risk, dividends, earnings, profitability, analyst recommendations, institutional ownership and valuation.

Valuation & Earnings

This table compares Intesa Sanpaolo and Pioneer Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Intesa Sanpaolo	$27.17 billion	3.63	$8.36 billion	$3.22	10.34
Pioneer Bankshares	$15.49 million	1.69	$1.90 million	$3.08	8.47

Intesa Sanpaolo has higher revenue and earnings than Pioneer Bankshares. Pioneer Bankshares is trading at a lower price-to-earnings ratio than Intesa Sanpaolo, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

1.2% of Intesa Sanpaolo shares are held by institutional investors. 13.7% of Pioneer Bankshares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Intesa Sanpaolo and Pioneer Bankshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Intesa Sanpaolo	0	1	0	1	3.00
Pioneer Bankshares	0	0	0	0	0.00

Dividends

Intesa Sanpaolo pays an annual dividend of $1.67 per share and has a dividend yield of 5.0%. Pioneer Bankshares pays an annual dividend of $1.00 per share and has a dividend yield of 3.8%. Intesa Sanpaolo pays out 51.9% of its earnings in the form of a dividend. Pioneer Bankshares pays out 32.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Intesa Sanpaolo	N/A	N/A	N/A
Pioneer Bankshares	N/A	N/A	N/A

Risk & Volatility

Intesa Sanpaolo has a beta of 1.07, suggesting that its share price is 7% more volatile than the S&P 500. Comparatively, Pioneer Bankshares has a beta of 0.16, suggesting that its share price is 84% less volatile than the S&P 500.

Summary

Intesa Sanpaolo beats Pioneer Bankshares on 10 of the 12 factors compared between the two stocks.

About Intesa Sanpaolo

Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments: Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, Private Banking, and Insurance. The company offers lending and deposit products; private and commercial banking, corporate and transaction banking, structured finance, investment banking, public finance, and capital markets; industrial credit, leasing, and factoring; asset management; life and non-life insurance and pension products; asset and wealth management; private investments; and bancassurance products. The company serves individuals, small and medium-sized businesses, non-profit customers, corporates and financial institutions, public administration, private clients and high net worth individuals, institutional clientele, and other customers. Intesa Sanpaolo S.p.A. was founded in 1998 and is headquartered in Turin, Italy.

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.