NorthEast Community Bancorp vs Ponce Financial
NECB 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 NECB and PDLB compare
Ponce Financial is the larger company, worth 1.4 times as much as NorthEast Community Bancorp ($544M against $398M).
On earnings, NorthEast Community Bancorp is cheaper: it trades at 9.3× trailing earnings, against 16.1× for Ponce Financial.
Ponce Financial grew revenue faster over the last twelve months (27.6% versus −0.86% for NorthEast Community Bancorp).
NorthEast Community Bancorp keeps more of each dollar of sales as profit, with a net margin of 40.9% compared with 28.1% at Ponce Financial.
NorthEast Community Bancorp pays a dividend yielding 3.1%; Ponce Financial does not pay one.
NorthEast Community Bancorp scores higher on the StockData Score (16 against 12 for Ponce Financial), 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 | NECB | PDLB |
|---|---|---|
| Size and price | ||
| Market cap | $398M | $544M |
| Share price | $28.91 | $22.49 |
| Change, 1 year | 44.8% | 58.4% |
| Change, 5 years | 163% | 50.4% |
| Beta (5Y) | 0.40 | 0.49 |
| Employees | 139 | 216 |
| StockData Score | ||
| Total score | 16 (better) | 12 |
| Valuation score | 3 (better) | 2 |
| Growth score | 2 | 3 (better) |
| Performance score | 5 (better) | 4 |
| Health score | 3 | 3 |
| Dividend score | 3 (better) | 0 |
| Valuation | ||
| P/E | 9.3× (better) | 16.1× |
| P/S | 3.8× (better) | 4.5× |
| P/B | 1.1× | 1.0× (better) |
| P/FCF | 8.2× (better) | 9.4× |
| PEG | 0.34 | – |
| FCF yield | 12.2% (better) | 10.6% |
| Fair value | $29.54 | $21.50 |
| Margin of safety | 2.1% (better) | −4.6% |
| Growth | ||
| Revenue growth (TTM) | −0.86% | 27.6% (better) |
| Revenue growth, 5Y average | 20.4% (better) | 14.6% |
| Net income growth (TTM) | −5.0% | 93.8% (better) |
| EPS growth (TTM) | −5.5% | 94.4% (better) |
| EPS growth, 5Y average | 33.7% | 39.2% (better) |
| Profitability | ||
| Net margin | 40.9% (better) | 28.1% |
| FCF margin | 46.7% | 48.0% (better) |
| Return on equity | 12.1% (better) | 6.2% |
| Financial health | ||
| Altman Z-score | 0.36 (better) | 0.21 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 3.1% | – |
| Payout ratio | 32.9% | – |
| Years of dividend growth | 2 | – |
| Shareholder yield | 3.1% (better) | 0.00% |
| Ownership | ||
| Held by institutions | 51.8% | 47.9% |
| Held by insiders | 3.9% | 5.6% |
| Insider net buying, 12 months | −$353K | −$184K (better) |
| Short interest, % of float | 1.1% | 2.2% |
Go deeper
- NECB stock overview
- NECB income statement
- NECB 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.