Northpointe Bancshares, Inc. (NPB) vs Ponce Financial Group, Inc. (PDLB)

Northpointe Bancshares, Inc. and Ponce Financial Group, Inc. are both Banks Regional companies. Northpointe Bancshares, Inc. and Ponce Financial Group, Inc. are of similar size ($549.2M and $528.0M). Northpointe Bancshares, Inc. trades at the lower P/E: 6.8× against 11.3×. Northpointe Bancshares, Inc. grew revenue faster over the last twelve months: 19.7% against 14.4%. Ponce Financial Group, Inc. has the higher net margin (20.7% vs 16.1%) and the lower return on invested capital (2.67% vs 4.38%). Across the 16 metrics below, Northpointe Bancshares, Inc. leads on 9 and Ponce Financial Group, Inc. on 7.

Valuation

Metric NPB PDLB Banks Regional median
P/E 6.77 11.33 12.02
P/S 1.09 2.35 2.36
P/B 0.90 1.43 1.23
Price to free cash flow 5.38 7.19 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 14.76% 8.83% 8.21%
Free cash flow yield 18.57% 13.92% 9.23%

Profitability

Metric NPB PDLB Banks Regional median
Gross margin 50.82% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.10% 20.69% 18.82%
Free cash flow margin 20.29% 32.74% 17.97%
Return on equity 13.41% 13.49% 10.28%
Return on assets 1.17% 1.30% 1.13%
Return on invested capital 4.38% 2.67% 8.45%

Growth

Metric NPB PDLB Banks Regional median
Revenue growth (TTM) 19.68% 14.35% 6.37%
EPS growth (last fiscal year) 15.30% 160.87% 18.85%
Revenue growth, 5-year CAGR — 23.97% 12.65%
Net income growth, 5-year CAGR — 48.24% 9.81%

Health

Metric NPB PDLB Banks Regional median
Debt to equity 2.66 1.20 0.17
Current ratio 1.40 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric NPB PDLB Banks Regional median
Dividend yield 0.66% — 2.49%
Payout ratio 0.05 — 0.29

Size

Metric NPB PDLB Banks Regional median
Market cap 549.16m 528.02m 934.85m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack