Ponce Financial vs Waterstone Financial
PDLB and WSBF 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 WSBF compare
Ponce Financial is the larger company, worth 1.5 times as much as Waterstone Financial ($534M against $361M).
On earnings, Ponce Financial is cheaper: it trades at 11.7× trailing earnings, against 11.7× for Waterstone Financial.
Ponce Financial grew revenue faster over the last twelve months (27.3% versus 12.4% for Waterstone Financial).
Ponce Financial keeps more of each dollar of sales as profit, with a net margin of 35.5% compared with 20.0% at Waterstone Financial.
Waterstone Financial pays a dividend yielding 3.3%; Ponce Financial does not pay one.
Waterstone Financial scores higher on the StockData Score (16 against 15 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 | PDLB | WSBF |
|---|---|---|
| Size and price | ||
| Market cap | $534M | $361M |
| Share price | $22.06 | $20.08 |
| Change, 1 year | 41.4% | 30.4% |
| Change, 5 years | 45.9% | −6.6% |
| Beta (5Y) | 0.48 | 0.53 |
| Employees | 216 | 593 |
| StockData Score | ||
| Total score | 15 | 16 (better) |
| Valuation score | 4 | 5 (better) |
| Growth score | 3 | 3 |
| Performance score | 5 (better) | 3 |
| Health score | 3 (better) | 2 |
| Dividend score | 0 | 3 (better) |
| Valuation | ||
| P/E | 11.7× (better) | 11.7× |
| P/S | 4.2× | 2.4× (better) |
| P/B | 0.9× (better) | 1.0× |
| P/FCF | 7.6× (better) | 8.4× |
| PEG | – | 0.63 |
| FCF yield | 13.2% (better) | 11.8% |
| Fair value | $25.69 | $20.90 |
| Margin of safety | 14.1% (better) | 3.9% |
| Growth | ||
| Revenue growth (TTM) | 27.3% (better) | 12.4% |
| Revenue growth, 5Y average | 14.6% (better) | −13.8% |
| Net income growth (TTM) | 112% (better) | 45.4% |
| EPS growth (TTM) | 112% (better) | 50.9% |
| EPS growth, 5Y average | 39.2% (better) | −14.8% |
| Profitability | ||
| Net margin | 35.5% (better) | 20.0% |
| FCF margin | 54.8% (better) | 28.5% |
| Return on equity | 8.2% | 8.7% (better) |
| Financial health | ||
| Altman Z-score | 0.20 | 0.37 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | – | 3.3% |
| Payout ratio | – | 35.9% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | −15.1% |
| Buyback yield | – | 4.0% |
| Shareholder yield | 0.00% | 7.3% (better) |
| Ownership | ||
| Held by institutions | 47.9% | 54.4% |
| Held by insiders | 5.6% | 4.8% |
| Insider net buying, 12 months | −$184K (better) | −$2.4M |
| Short interest, % of float | 2.7% | 2.5% |
Go deeper
- PDLB stock overview
- PDLB income statement
- PDLB valuation and score
- WSBF stock overview
- WSBF income statement
- WSBF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.