SI Financial Group (NASDAQ:SIFI) and PDL Community Bancorp (NASDAQ:PDLB) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, profitability, earnings, institutional ownership, valuation, dividends and risk.
Volatility and Risk
SI Financial Group has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, PDL Community Bancorp has a beta of 0.43, indicating that its stock price is 57% less volatile than the S&P 500.
This table compares SI Financial Group and PDL Community Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|SI Financial Group||14.91%||6.77%||0.71%|
|PDL Community Bancorp||4.75%||1.43%||0.24%|
Valuation and Earnings
This table compares SI Financial Group and PDL Community Bancorp’s gross revenue, earnings per share (EPS) and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|SI Financial Group||$69.41 million||2.58||$9.56 million||N/A||N/A|
|PDL Community Bancorp||$49.09 million||5.32||$2.68 million||N/A||N/A|
SI Financial Group has higher revenue and earnings than PDL Community Bancorp.
SI Financial Group pays an annual dividend of $0.24 per share and has a dividend yield of 1.6%. PDL Community Bancorp does not pay a dividend. SI Financial Group has raised its dividend for 3 consecutive years.
This is a summary of current recommendations for SI Financial Group and PDL Community Bancorp, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|SI Financial Group||0||0||0||0||N/A|
|PDL Community Bancorp||0||0||0||0||N/A|
Insider and Institutional Ownership
61.2% of SI Financial Group shares are held by institutional investors. Comparatively, 19.0% of PDL Community Bancorp shares are held by institutional investors. 1.7% of SI Financial Group shares are held by insiders. Comparatively, 1.2% of PDL Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
SI Financial Group beats PDL Community Bancorp on 10 of the 12 factors compared between the two stocks.
SI Financial Group Company Profile
SI Financial Group, Inc. operates as the holding company for Savings Institute Bank and Trust Company that provides various financial services to consumers and businesses. Its deposit products include noninterest-bearing demand accounts, such as checking accounts; and interest-bearing accounts, including NOW and money market accounts, regular savings accounts, and certificates of deposit. The company also provides one- to four-family residential mortgage, multi-family and commercial real estate, construction and land, commercial business, and consumer loans. In addition, it offers trust services, which include fiduciary, investment management, and retirement services to individuals, partnerships, corporations, and institutions; and life insurance products and annuities. The company operates 23 full-service offices throughout Windham, New London, Tolland, Hartford, and Middlesex counties in Connecticut, as well as Newport and Washington counties in Rhode Island. SI Financial Group, Inc. was founded in 1842 and is headquartered in Willimantic, Connecticut.
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 investor-owned and owner-occupied, 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 4 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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