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Ponce Financial Group, Inc. (PDLB) vs West Bancorporation, Inc. (WTBA)

Ponce Financial Group, Inc. and West Bancorporation, Inc. are both Banks Regional companies. Ponce Financial Group, Inc. and West Bancorporation, Inc. are of similar size ($528.0M and $523.4M). Ponce Financial Group, Inc. trades at the lower P/E: 11.3× against 12.9×. Ponce Financial Group, Inc. grew revenue faster over the last twelve months: 14.4% against 0.17%. Ponce Financial Group, Inc. has the higher net margin (20.7% vs 20.2%) and the lower return on invested capital (2.67% vs 10.5%). Across the 18 metrics below, Ponce Financial Group, Inc. leads on 15 and West Bancorporation, Inc. on 3.

Valuation

Metric PDLB WTBA Banks Regional median
P/E 11.33 12.91 12.02
P/S 2.35 2.62 2.36
P/B 1.43 1.94 1.23
Price to free cash flow 7.19 9.86 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.83% 7.75% 8.21%
Free cash flow yield 13.92% 10.15% 9.23%

Profitability

Metric PDLB WTBA Banks Regional median
Gross margin 59.71% 53.40% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.69% 20.22% 18.82%
Free cash flow margin 32.74% 26.53% 17.97%
Return on equity 13.49% 15.45% 10.28%
Return on assets 1.30% 1.03% 1.13%
Return on invested capital 2.67% 10.53% 8.45%

Growth

Metric PDLB WTBA Banks Regional median
Revenue growth (TTM) 14.35% 0.17% 6.37%
EPS growth (last fiscal year) 160.87% 35.21% 18.85%
Revenue growth, 5-year CAGR 23.97% 12.56% 12.65%
Net income growth, 5-year CAGR 48.24% (0.09%) 9.81%

Health

Metric PDLB WTBA Banks Regional median
Debt to equity 1.20 1.15 0.17
Current ratio 1.34 0.98 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PDLB WTBA Banks Regional median
Dividend yield — 2.46% 2.49%
Payout ratio — 0.32 0.29

Size

Metric PDLB WTBA Banks Regional median
Market cap 528.02m 523.41m 934.85m

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