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Sierra Bancorp (BSRR) vs Ponce Financial Group, Inc. (PDLB)

Sierra Bancorp and Ponce Financial Group, Inc. are both Banks Regional companies. Sierra Bancorp and Ponce Financial Group, Inc. are of similar size ($507.5M and $488.1M). Sierra Bancorp trades at the lower P/E: 11.6× against 14.2×. Ponce Financial Group, Inc. grew revenue faster over the last twelve months: 12.5% against −0.63%. Sierra Bancorp has the higher net margin (22.4% vs 16.0%) and the higher return on invested capital (12.1% vs 2.71%). Across the 18 metrics below, Ponce Financial Group, Inc. leads on 10 and Sierra Bancorp on 8.

Valuation

Metric BSRR PDLB Banks Regional median
P/E 11.60 14.18 11.98
P/S 2.54 2.27 2.34
P/B 1.39 1.38 1.19
Price to free cash flow 11.31 8.05 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.62% 7.05% 8.23%
Free cash flow yield 8.84% 12.42% 9.08%

Profitability

Metric BSRR PDLB Banks Regional median
Gross margin 77.94% 58.68% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.37% 15.96% 18.66%
Free cash flow margin 22.46% 28.18% 21.11%
Return on equity 12.46% 10.33% 10.65%
Return on assets 1.20% 0.98% 1.13%
Return on invested capital 12.07% 2.71% 8.35%

Growth

Metric BSRR PDLB Banks Regional median
Revenue growth (TTM) (0.63%) 12.54% 6.98%
EPS growth (last fiscal year) 10.28% 160.87% 18.88%
Revenue growth, 5-year CAGR 8.17% 23.97% 12.38%
Net income growth, 5-year CAGR 3.61% 48.24% 9.71%

Health

Metric BSRR PDLB Banks Regional median
Debt to equity 0.23 1.11 0.22
Current ratio 0.80 1.34 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR PDLB Banks Regional median
Dividend yield 2.61% — 2.57%
Payout ratio 0.30 — 0.30

Size

Metric BSRR PDLB Banks Regional median
Market cap 507.52m 488.11m 913.33m

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