First Guaranty Bancshares vs Ponce Financial
FGBI and PDLB side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FGBI and PDLB compare
Ponce Financial is the larger company, worth 2.6 times as much as First Guaranty Bancshares ($536M against $204M).
Ponce Financial grew revenue faster over the last twelve months (27.3% versus −7.5% for First Guaranty Bancshares).
Ponce Financial keeps more of each dollar of sales as profit, with a net margin of 35.5% compared with −38.9% at First Guaranty Bancshares.
First Guaranty Bancshares pays a dividend yielding 0.32%; Ponce Financial does not pay one.
Ponce Financial scores higher on the StockData Score (15 against 6 for First Guaranty Bancshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FGBI | PDLB |
|---|---|---|
| Size and price | ||
| Market cap | $204M | $536M |
| Share price | $12.35 | $22.18 |
| Change, 1 year | 97.9% | 39.9% |
| Change, 5 years | −40.5% | 46.7% |
| Beta (5Y) | 0.39 | 0.48 |
| Employees | 15K | 216 |
| StockData Score | ||
| Total score | 6 | 15 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 0 | 3 (better) |
| Performance score | 0 | 5 (better) |
| Health score | 2 | 3 (better) |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/E | – | 11.7× |
| P/S | 2.2× (better) | 4.2× |
| P/B | 0.9× (better) | 0.9× |
| P/FCF | 5.3× (better) | 7.6× |
| FCF yield | 18.8% (better) | 13.1% |
| Fair value | – | $25.65 |
| Margin of safety | – | 13.5% |
| Growth | ||
| Revenue growth (TTM) | −7.5% | 27.3% (better) |
| Revenue growth, 5Y average | −0.62% | 14.6% (better) |
| Net income growth (TTM) | – | 112% |
| EPS growth (TTM) | – | 112% |
| EPS growth, 5Y average | – | 39.2% |
| Profitability | ||
| Net margin | −38.9% | 35.5% (better) |
| FCF margin | 41.2% | 54.8% (better) |
| Return on equity | −14.8% | 8.2% (better) |
| Financial health | ||
| Altman Z-score | 0.06 | 0.20 (better) |
| Piotroski F-score | 2 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 0.32% | – |
| Years of dividend growth | 0 | – |
| Dividend growth, 5Y average | −41.4% | – |
| Buyback yield | −3.7% | – |
| Shareholder yield | −3.3% | 0.00% (better) |
| Ownership | ||
| Held by institutions | 8.5% | 47.9% |
| Held by insiders | 63.1% | 5.6% |
| Insider net buying, 12 months | $8.6M (better) | −$184K |
| Short interest, % of float | – | 2.7% |
Go deeper
- FGBI stock overview
- FGBI income statement
- FGBI valuation and score
- PDLB stock overview
- PDLB income statement
- PDLB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.