Financial Contrast: MSB Financial (MSBF) and PDL Community Bancorp (PDLB)

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MSB Financial (NASDAQ:MSBF) and PDL Community Bancorp (NASDAQ:PDLB) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their valuation, risk, earnings, profitability, institutional ownership, dividends and analyst recommendations.

Analyst Ratings

This is a summary of current ratings for MSB Financial and PDL Community Bancorp, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
MSB Financial 0 0 0 0 N/A
PDL Community Bancorp 0 0 0 0 N/A

Insider and Institutional Ownership

21.0% of MSB Financial shares are held by institutional investors. Comparatively, 15.9% of PDL Community Bancorp shares are held by institutional investors. 18.0% of MSB Financial shares are held by company insiders. Comparatively, 1.2% of PDL Community Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Valuation & Earnings

This table compares MSB Financial and PDL Community Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
MSB Financial $20.30 million 5.12 $2.72 million N/A N/A
PDL Community Bancorp $42.09 million 5.95 -$4.38 million N/A N/A

MSB Financial has higher earnings, but lower revenue than PDL Community Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
MSB Financial 16.37% 6.44% 0.78%
PDL Community Bancorp -9.74% -1.40% -0.25%

Summary

MSB Financial beats PDL Community Bancorp on 6 of the 8 factors compared between the two stocks.

MSB Financial Company Profile

MSB Financial Corp. operates as the bank holding company for Millington Bank that provides various banking products and services in New Jersey. The company offers deposit products, including checking accounts; savings accounts, such as regular passbook, statement, money market, and club accounts, as well as six-level tiered savings accounts; certificates of deposit; and fixed or variable rate individual retirement accounts. Its loan portfolio comprises one-to four-family real estate mortgage loans, commercial and multi-family real estate mortgage loans, construction loans, commercial and industrial loans, and home equity loans and lines of credit, as well as consumer loans consisting of new and used automobile loans, secured and unsecured personal loans, account loans, and overdraft lines of credit. The company was founded in 1911 and is based in Millington, New Jersey.

PDL Community Bancorp Company Profile

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.

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