Ponce Financial vs Provident Financial Services
PDLB and PFS side by side, both in savings institutions. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How PDLB and PFS compare
Provident Financial Services is the larger company, worth 5.5 times as much as Ponce Financial ($3.0B against $536M).
On earnings, Provident Financial Services is cheaper: it trades at 9.6× trailing earnings, against 11.7× for Ponce Financial.
Ponce Financial grew revenue faster over the last twelve months (27.3% versus 7.9% for Provident Financial Services).
Provident Financial Services keeps more of each dollar of sales as profit, with a net margin of 402% compared with 35.5% at Ponce Financial.
Provident Financial Services pays a dividend yielding 4.2%; Ponce Financial does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | PDLB | PFS |
|---|---|---|
| Size and price | ||
| Market cap | $536M | $3.0B |
| Share price | $22.18 | $22.77 |
| Change, 1 year | 39.9% | 21.2% |
| Change, 5 years | 46.7% | −7.2% |
| Beta (5Y) | 0.48 | 0.74 |
| Employees | 216 | 1,866 |
| StockData Score | ||
| Total score | 15 | 15 |
| Valuation score | 4 (better) | 3 |
| Growth score | 3 (better) | 0 |
| Performance score | 5 | 5 |
| Health score | 3 | 3 |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | 11.7× | 9.6× (better) |
| P/S | 4.2× (better) | 38.5× |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 7.6× (better) | 9.8× |
| FCF yield | 13.1% (better) | 10.2% |
| Fair value | $25.65 | $25.08 |
| Margin of safety | 13.5% (better) | 9.2% |
| Growth | ||
| Revenue growth (TTM) | 27.3% (better) | 7.9% |
| Revenue growth, 5Y average | 14.6% (better) | 9.9% |
| Net income growth (TTM) | 112% (better) | 21.0% |
| EPS growth (TTM) | 112% (better) | 21.4% |
| EPS growth, 5Y average | 39.2% (better) | 9.9% |
| Profitability | ||
| Net margin | 35.5% | 402% (better) |
| FCF margin | 54.8% | 391% (better) |
| Return on equity | 8.2% | 11.0% (better) |
| Financial health | ||
| Altman Z-score | 0.20 (better) | 0.15 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 4.2% |
| Payout ratio | – | 40.1% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.85% |
| Buyback yield | – | 0.35% |
| Shareholder yield | 0.00% | 4.6% (better) |
| Ownership | ||
| Held by institutions | 47.9% | 76.2% |
| Held by insiders | 5.6% | 2.9% |
| Insider net buying, 12 months | −$184K (better) | −$2.2M |
| Short interest, % of float | 2.7% | 4.7% |
Go deeper
- PDLB stock overview
- PDLB income statement
- PDLB valuation and score
- PFS stock overview
- PFS income statement
- PFS valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.