PDLB
Ponce Financial Group, Inc.
Banks - Regional
Market Cap$433M
5Y Perf.+100.7%
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Stock Comparison
PDLB vs KRNY
Revenue, margins, valuation, and 5-year total return — side by side.
KRNY
Kearny Financial Corp.
Banks - Regional
Market Cap$508M
5Y Perf.-5.7%
PDLB vs KRNY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | PDLB | KRNY |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $433M | $508M |
| Revenue (TTM) | $194M | $344M |
| Net Income (TTM) | $29M | $32M |
| Gross Margin | 54.5% | 44.1% |
| Operating Margin | 20.3% | 9.0% |
| Forward P/E | 13.8x | 12.9x |
| Total Debt | $625M | $1.26B |
| Cash & Equiv. | $29M | $167M |
PDLB vs KRNY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
PDLB
KRNY
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Ponce Financial Gro… (PDLB) | 100 | 200.7 | +100.7% |
| Kearny Financial Co… (KRNY) | 100 | 94.3 | -5.7% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PDLB vs KRNY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: PDLB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Kearny Financial Corp. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
PDLB
Ponce Financial Group, Inc.
The Banking Pick
PDLB carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 2 yrs, beta 0.82, yield 0.3%
- Rev growth 16.1%, EPS growth 158.7%
- 20.4% 10Y total return vs KRNY's -9.0%
Best for: income & stability and growth exposure
KRNY
Kearny Financial Corp.
The Banking Pick
KRNY is the clearest fit if your priority is value and dividends.
- Lower P/E (12.9x vs 13.8x)
- 5.5% yield, vs PDLB's 0.3%
- +37.9% vs PDLB's +33.5%
Best for: value and dividends
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | PDLB | 16.1% NII/revenue growth vs KRNY's 5.1% |
| Value | KRNY | Lower P/E (12.9x vs 13.8x) |
| Quality / Margins | PDLB | Efficiency ratio 0.3% vs KRNY's 0.4% (lower = leaner) |
| Stability / Safety | PDLB | Beta 0.82 vs KRNY's 0.83, lower leverage |
| Dividends | KRNY | 5.5% yield, vs PDLB's 0.3% |
| Momentum (1Y) | KRNY | +37.9% vs PDLB's +33.5% |
| Efficiency (ROA) | PDLB | Efficiency ratio 0.3% vs KRNY's 0.4% |
PDLB vs KRNY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2021
FY 2025
PDLB vs KRNY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLPDLBLAGGINGKRNY
KRNYKearny Financial Corp.
0leads
PDLBPonce Financial Group…
4leads
6 Total Categories
CATEGORYLEADERvs KRNYMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
PDLB5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
PDLB9/9
Total Returns1Y, 3Y, 5Y total returns with dividends
PDLB4/6
Risk & VolatilityBeta, volatility, and downside exposure
PDLB2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
PDLB leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
KRNY is the larger business by revenue, generating $344M annually — 1.8x PDLB's $194M. PDLB is the more profitable business, keeping 14.8% of every revenue dollar as net income compared to KRNY's 7.6%.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| RevenueTrailing 12 months | $194M | $344M |
| EBITDAEarnings before interest/tax | $43M | $43M |
| Net IncomeAfter-tax profit | $29M | $32M |
| Free Cash FlowCash after capex | $48M | $40M |
| Gross MarginGross profit ÷ Revenue | +54.5% | +44.1% |
| Operating MarginEBIT ÷ Revenue | +20.3% | +9.0% |
| Net MarginNet income ÷ Revenue | +14.8% | +7.6% |
| FCF MarginFCF ÷ Revenue | +21.6% | +6.2% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +2.5% | +50.0% |
PDLB leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — PDLB and KRNY each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 15.1x trailing earnings, PDLB trades at a 22% valuation discount to KRNY's 19.2x P/E. On an enterprise value basis, PDLB's 23.9x EV/EBITDA is more attractive than KRNY's 44.5x.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| Market CapShares × price | $433M | $508M |
| Enterprise ValueMkt cap + debt − cash | $1.0B | $1.6B |
| Trailing P/EPrice ÷ TTM EPS | 15.08x | 19.24x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.80x | 12.93x |
| PEG RatioP/E ÷ EPS growth rate | 0.39x | — |
| EV / EBITDAEnterprise value multiple | 23.94x | 44.52x |
| Price / SalesMarket cap ÷ Revenue | 2.23x | 1.48x |
| Price / BookPrice ÷ Book value/share | 0.77x | 0.68x |
| Price / FCFMarket cap ÷ FCF | 10.32x | 23.76x |
Evenly matched — PDLB and KRNY each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
PDLB leads this category, winning 9 of 9 comparable metrics.
Profitability & Efficiency
PDLB delivers a 5.5% return on equity — every $100 of shareholder capital generates $5 in annual profit, vs $4 for KRNY. PDLB carries lower financial leverage with a 1.15x debt-to-equity ratio, signaling a more conservative balance sheet compared to KRNY's 1.68x. On the Piotroski fundamental quality scale (0–9), PDLB scores 8/9 vs KRNY's 7/9, reflecting strong financial health.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| ROE (TTM)Return on equity | +5.5% | +4.3% |
| ROA (TTM)Return on assets | +0.9% | +0.4% |
| ROICReturn on invested capital | +2.6% | +1.1% |
| ROCEReturn on capital employed | +2.4% | +1.5% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 7 |
| Debt / EquityFinancial leverage | 1.15x | 1.68x |
| Net DebtTotal debt minus cash | $597M | $1.1B |
| Cash & Equiv.Liquid assets | $29M | $167M |
| Total DebtShort + long-term debt | $625M | $1.3B |
| Interest CoverageEBIT ÷ Interest expense | 0.46x | 0.22x |
PDLB leads this category, winning 9 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
PDLB leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in PDLB five years ago would be worth $15,961 today (with dividends reinvested), compared to $7,946 for KRNY. Over the past 12 months, KRNY leads with a +37.9% total return vs PDLB's +33.5%. The 3-year compound annual growth rate (CAGR) favors PDLB at 36.5% vs KRNY's 9.9% — a key indicator of consistent wealth creation.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| YTD ReturnYear-to-date | +11.4% | +12.9% |
| 1-Year ReturnPast 12 months | +33.5% | +37.9% |
| 3-Year ReturnCumulative with dividends | +154.5% | +32.6% |
| 5-Year ReturnCumulative with dividends | +59.6% | -20.5% |
| 10-Year ReturnCumulative with dividends | +20.4% | -9.0% |
| CAGR (3Y)Annualised 3-year return | +36.5% | +9.9% |
PDLB leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
PDLB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
PDLB is the less volatile stock with a 0.82 beta — it tends to amplify market swings less than KRNY's 0.83 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. PDLB currently trades 99.4% from its 52-week high vs KRNY's 95.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.82x | 0.83x |
| 52-Week HighHighest price in past year | $18.05 | $8.50 |
| 52-Week LowLowest price in past year | $12.81 | $5.76 |
| % of 52W HighCurrent price vs 52-week peak | +99.4% | +95.1% |
| RSI (14)Momentum oscillator 0–100 | 58.3 | 55.8 |
| Avg Volume (50D)Average daily shares traded | 55K | 298K |
PDLB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — PDLB and KRNY each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates PDLB as "Buy" and KRNY as "Hold". For income investors, KRNY offers the higher dividend yield at 5.45% vs PDLB's 0.27%.
| Metric | PDLBPonce Financial G… | KRNYKearny Financial … |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | — | $9.50 |
| # AnalystsCovering analysts | 2 | 5 |
| Dividend YieldAnnual dividend ÷ price | +0.3% | +5.5% |
| Dividend StreakConsecutive years of raises | 2 | 0 |
| Dividend / ShareAnnual DPS | $0.05 | $0.44 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.1% |
Evenly matched — PDLB and KRNY each lead in 1 of 2 comparable metrics.
Key Takeaway
PDLB leads in 4 of 6 categories — strongest in Income & Cash Flow and Profitability & Efficiency. 2 categories are tied.
Best OverallPonce Financial Group, Inc. (PDLB)Leads 4 of 6 categories
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PDLB vs KRNY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is PDLB or KRNY a better buy right now?
For growth investors, Ponce Financial Group, Inc.
(PDLB) is the stronger pick with 16. 1% revenue growth year-over-year, versus 5. 1% for Kearny Financial Corp. (KRNY). Ponce Financial Group, Inc. (PDLB) offers the better valuation at 15. 1x trailing P/E (13. 8x forward), making it the more compelling value choice. Analysts rate Ponce Financial Group, Inc. (PDLB) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PDLB or KRNY?
On trailing P/E, Ponce Financial Group, Inc.
(PDLB) is the cheapest at 15. 1x versus Kearny Financial Corp. at 19. 2x. On forward P/E, Kearny Financial Corp. is actually cheaper at 12. 9x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — PDLB or KRNY?
Over the past 5 years, Ponce Financial Group, Inc.
(PDLB) delivered a total return of +59. 6%, compared to -20. 5% for Kearny Financial Corp. (KRNY). Over 10 years, the gap is even starker: PDLB returned +20. 4% versus KRNY's -9. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PDLB or KRNY?
By beta (market sensitivity over 5 years), Ponce Financial Group, Inc.
(PDLB) is the lower-risk stock at 0. 82β versus Kearny Financial Corp. 's 0. 83β — meaning KRNY is approximately 1% more volatile than PDLB relative to the S&P 500. On balance sheet safety, Ponce Financial Group, Inc. (PDLB) carries a lower debt/equity ratio of 115% versus 168% for Kearny Financial Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — PDLB or KRNY?
By revenue growth (latest reported year), Ponce Financial Group, Inc.
(PDLB) is pulling ahead at 16. 1% versus 5. 1% for Kearny Financial Corp. (KRNY). On earnings-per-share growth, the picture is similar: Ponce Financial Group, Inc. grew EPS 158. 7% year-over-year, compared to 130. 2% for Kearny Financial Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PDLB or KRNY?
Ponce Financial Group, Inc.
(PDLB) is the more profitable company, earning 14. 8% net margin versus 7. 6% for Kearny Financial Corp. — meaning it keeps 14. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: PDLB leads at 20. 3% versus 9. 0% for KRNY. At the gross margin level — before operating expenses — PDLB leads at 54. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PDLB or KRNY more undervalued right now?
On forward earnings alone, Kearny Financial Corp.
(KRNY) trades at 12. 9x forward P/E versus 13. 8x for Ponce Financial Group, Inc. — 0. 9x cheaper on a one-year earnings basis.
08Which pays a better dividend — PDLB or KRNY?
All stocks in this comparison pay dividends.
Kearny Financial Corp. (KRNY) offers the highest yield at 5. 5%, versus 0. 3% for Ponce Financial Group, Inc. (PDLB).
09Is PDLB or KRNY better for a retirement portfolio?
For long-horizon retirement investors, Kearny Financial Corp.
(KRNY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 5. 5% yield). Both have compounded well over 10 years (KRNY: -9. 0%, PDLB: +20. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PDLB and KRNY?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: PDLB is a small-cap high-growth stock; KRNY is a small-cap income-oriented stock. KRNY pays a dividend while PDLB does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(PDLB: 16.1% · KRNY: 5.1%)Net Margin>
%
(PDLB: 14.8% · KRNY: 7.6%)P/E Ratio<
x
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