Comparing First Savings Financial Group (NASDAQ:FSFG) & PDL Community Bancorp (PDLB)

PDL Community Bancorp (NASDAQ:PDLB) and First Savings Financial Group (NASDAQ:FSFG) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, analyst recommendations, dividends, earnings, profitability, valuation and institutional ownership.

Profitability

This table compares PDL Community Bancorp and First Savings Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
PDL Community Bancorp -1.75% 0.77% 0.13%
First Savings Financial Group 17.18% 12.02% 1.15%

Valuation and Earnings

This table compares PDL Community Bancorp and First Savings Financial Group’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
PDL Community Bancorp $42.09 million 5.70 -$4.38 million N/A N/A
First Savings Financial Group $55.45 million 2.14 $10.90 million N/A N/A

First Savings Financial Group has higher revenue and earnings than PDL Community Bancorp.

Institutional and Insider Ownership

16.1% of PDL Community Bancorp shares are owned by institutional investors. Comparatively, 25.1% of First Savings Financial Group shares are owned by institutional investors. 1.2% of PDL Community Bancorp shares are owned by insiders. Comparatively, 17.3% of First Savings Financial Group shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Volatility & Risk

PDL Community Bancorp has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, First Savings Financial Group has a beta of 0.29, meaning that its share price is 71% less volatile than the S&P 500.

Dividends

First Savings Financial Group pays an annual dividend of $0.60 per share and has a dividend yield of 1.2%. PDL Community Bancorp does not pay a dividend. First Savings Financial Group has increased its dividend for 2 consecutive years.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for PDL Community Bancorp and First Savings Financial Group, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PDL Community Bancorp 0 0 0 0 N/A
First Savings Financial Group 0 0 1 0 3.00

First Savings Financial Group has a consensus price target of $75.00, suggesting a potential upside of 45.35%. Given First Savings Financial Group’s higher possible upside, analysts clearly believe First Savings Financial Group is more favorable than PDL Community Bancorp.

Summary

First Savings Financial Group beats PDL Community Bancorp on 11 of the 14 factors compared between the two stocks.

About PDL Community Bancorp

PDL Community Bancorp provides various banking products and services primarily in the New York City metropolitan area. The company offers a range of deposit accounts, including demand, savings, and money market accounts, as well as certificates of deposit accounts; and individual retirement accounts. It also provides mortgage loans consisting of one-to-four family real estate loans, including residential owner-occupied and investor-owned, multifamily residential, and nonresidential property loans, as well as construction and land loans; commercial business and consumer loans; commercial and industrial loans; and lines of credit. In addition, the company invests in debt securities. It operates a network of 13 banking offices, which include 5 branches in Bronx, 2 branches in Manhattan, 3 branches in Queens, and 3 branches in Brooklyn, New York; and 1 branch in Union City, New Jersey. The company was formerly known as Ponce De Leon Federal Bank and changed its name to PDL Community Bancorp in September 2017. The company was founded in 1960 and is headquartered in Bronx, New York. PDL Community Bancorp is a subsidiary of Ponce Bank Mutual Holding Company.

About First Savings Financial Group

First Savings Financial Group, Inc. operates as the holding company for First Savings Bank that provides various banking products and services to consumers and businesses in southern Indiana. The company operates through Core Banking and SBA Lending segments. It accepts deposits, such as checking accounts, NOW and money market accounts, regular savings accounts, and time deposits. The company also provides loans, including one-to four-family residential real estate loans, multi-family real estate loans, commercial business loans, construction loans, and land and land development loans, as well as consumer loans comprising automobile loans, home equity lines of credit, unsecured loans, and loans secured by deposits. In addition, it is involved in investment activities; and the provision of reinsurance to other third-party insurance captives. First Savings Financial Group, Inc. was incorporated in 2008 and is based in Clarksville, Indiana.

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