Private Bancorp of America, Inc. (PBAM) vs Ponce Financial Group, Inc. (PDLB)

Private Bancorp of America, Inc. and Ponce Financial Group, Inc. are both Banks Regional companies. Private Bancorp of America, Inc. and Ponce Financial Group, Inc. are of similar size ($528.0M and $482.0M). Private Bancorp of America, Inc. trades at the lower P/E: 10.8× against 11.3×. Ponce Financial Group, Inc. grew revenue faster over the last twelve months: 14.4% against 3.55%. Private Bancorp of America, Inc. has the higher net margin (25.3% vs 20.7%) and the lower return on invested capital (0.00% vs 2.67%). Across the 18 metrics below, Private Bancorp of America, Inc. leads on 10 and Ponce Financial Group, Inc. on 8.

Valuation

Metric PBAM PDLB Banks Regional median
P/E 10.81 11.33 12.02
P/S 2.73 2.35 2.36
P/B 1.68 1.43 1.23
Price to free cash flow 3.94 7.19 10.60
EV/EBITDA n/m — —
EV/Sales 0.97 — —
Earnings yield 9.25% 8.83% 8.21%
Free cash flow yield 25.41% 13.92% 9.23%

Profitability

Metric PBAM PDLB Banks Regional median
Gross margin 75.85% 59.71% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.34% 20.69% 18.82%
Free cash flow margin 69.32% 32.74% 17.97%
Return on equity 16.70% 13.49% 10.28%
Return on assets 1.72% 1.30% 1.13%
Return on invested capital 0.00% 2.67% 8.45%

Growth

Metric PBAM PDLB Banks Regional median
Revenue growth (TTM) 3.55% 14.35% 6.37%
EPS growth (last fiscal year) 12.52% 160.87% 18.85%
Revenue growth, 5-year CAGR 22.57% 23.97% 12.65%
Net income growth, 5-year CAGR 30.37% 48.24% 9.81%

Health

Metric PBAM PDLB Banks Regional median
Debt to equity 0.03 1.20 0.17
Current ratio 1.00 1.34 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PBAM PDLB Banks Regional median
Dividend yield — — 2.49%
Payout ratio — — 0.29

Size

Metric PBAM PDLB Banks Regional median
Market cap 482.02m 528.02m 934.85m

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