PDLB vs WSBF: stock comparison and AI forecast
Ponce Financial Group, Inc. (PDLB) and Waterstone Financial, Inc. (WSBF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
PDLB Ponce Financial Group, Inc.
- Price
- $21.83 +23.1% · 6M
- Market Cap
- $528M
- P/E Ratio
- 12.9x
- Size
- small-cap
- AI Forecast
WSBF Waterstone Financial, Inc.
- Market Cap
- $361M
- P/E Ratio
- 13.0x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- PDLB is 1.5 times larger than WSBF by market capitalization ($528M against $361M).
- PDLB trades at 12.9 times trailing earnings, WSBF at 13.0 times.
- PDLB turns 37.9% of its revenue into net income, against 20.0% for WSBF.
- WSBF carries 5.42 times debt per unit of equity, against 5.38 times for PDLB.
- WSBF yields 3.00% in dividends; PDLB pays none.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | PDLB | WSBF |
|---|---|---|
| Market Cap | $528M | $361M |
| P/E Ratio | 12.92x | 13.02x |
| P/B Ratio | 0.91x | 1.03x |
| Dividend Yield | – | 3.00% |
| EPS | $1.69 | $1.54 |
| Book Value/Share | $23.91 | $19.53 |
| Revenue/Share | $4.96 | $8.37 |
| FCF/Share | $2.90 | $2.38 |
Profitability & Margins
| Metric | PDLB | WSBF |
|---|---|---|
| ROE | 7.9% | 8.6% |
| ROA | 1.2% | 1.3% |
| Net Margin | 37.9% | 20.0% |
| EBT Margin | 40.6% | 25.3% |
| Tax Rate | 6.7% | 21.0% |
Financial Health
| Metric | PDLB | WSBF |
|---|---|---|
| D/E Ratio | 5.38x | 5.42x |
| Financial Leverage | 6.38x | 6.42x |
Cash Flow
| Metric | PDLB | WSBF |
|---|---|---|
| Operating Cash Flow | $70M | $45M |
| Free Cash Flow | $70M | $43M |
| Capital Spending | -$60K | -$2M |
| OCF Growth YoY | 61.5% | -47.9% |
| FCF Growth YoY | 67.1% | -49.6% |
| FCF/Sales | 58.5% | 28.4% |
| CapEx/Sales | 0.1% | 1.3% |
Operational Efficiency
| Metric | PDLB | WSBF |
|---|---|---|
| Asset Turnover | 0.03x | 0.07x |
| Fixed Assets Turnover | 11.0x | 8.0x |
Income Statement
| Metric | PDLB | WSBF |
|---|---|---|
| Total Revenue | $120M | $150M |
| Net Income | $46M | $30M |
Dividend & Shareholder Information
| Metric | PDLB | WSBF |
|---|---|---|
| Dividends Per Share | – | $0.60 |
| Payout Ratio | – | 39.0% |
| Shares Outstanding | 24M | 18M |
| Net Income Growth | 111.6% | 45.4% |
| EPS Growth | 168.2% | 36.3% |
PDLB vs WSBF: stock comparison and AI forecast
Which is bigger, PDLB or WSBF?
PDLB is 1.5 times larger than WSBF by market capitalization ($528M against $361M).
Which is cheaper on earnings, PDLB or WSBF?
PDLB trades at 12.9 times trailing earnings, WSBF at 13.0 times.
Which one does Intratio's AI model rank higher, PDLB or WSBF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.