HTB vs PDLB: stock comparison and AI forecast
Hometrust Bancshares, Inc. (HTB) and Ponce Financial Group, Inc. (PDLB) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HTB Hometrust Bancshares, Inc.
- Price
- $46.98 +2.1% · 6M
- Market Cap
- $784M
- P/E Ratio
- 42.7x
- Size
- small-cap
- AI Forecast
PDLB Ponce Financial Group, Inc.
- Market Cap
- $525M
- P/E Ratio
- 12.8x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- HTB is 1.5 times larger than PDLB by market capitalization ($784M against $525M).
- PDLB trades at 12.8 times trailing earnings, HTB at 42.7 times.
- PDLB turns 37.9% of its revenue into net income, against 29.1% for HTB.
- HTB carries 6.76 times debt per unit of equity, against 5.38 times for PDLB.
- HTB yields 3.79% in dividends; PDLB pays none.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HTB | PDLB |
|---|---|---|
| Market Cap | $784M | $525M |
| P/E Ratio | 42.72x | 12.84x |
| P/B Ratio | 1.38x | 0.91x |
| Dividend Yield | 3.79% | – |
| EPS | $1.10 | $1.69 |
| Book Value/Share | $34.15 | $23.91 |
| Revenue/Share | $3.51 | $4.96 |
| FCF/Share | $10.85 | $2.90 |
Profitability & Margins
| Metric | HTB | PDLB |
|---|---|---|
| ROE | 3.0% | 7.9% |
| ROA | 0.4% | 1.2% |
| Net Margin | 29.1% | 37.9% |
| EBT Margin | 33.0% | 40.6% |
| Tax Rate | 11.7% | 6.7% |
Financial Health
| Metric | HTB | PDLB |
|---|---|---|
| D/E Ratio | 6.76x | 5.38x |
| Financial Leverage | 7.76x | 6.38x |
Cash Flow
| Metric | HTB | PDLB |
|---|---|---|
| Operating Cash Flow | $183M | $70M |
| Free Cash Flow | $181M | $70M |
| Capital Spending | -$2M | -$60K |
| OCF Growth YoY | 148.4% | 61.5% |
| FCF Growth YoY | 159.4% | 67.1% |
| FCF/Sales | 308.6% | 58.5% |
| CapEx/Sales | 3.8% | 0.1% |
Operational Efficiency
| Metric | HTB | PDLB |
|---|---|---|
| Asset Turnover | 0.01x | 0.03x |
| Fixed Assets Turnover | 0.9x | 11.0x |
Income Statement
| Metric | HTB | PDLB |
|---|---|---|
| Total Revenue | $59M | $120M |
| Net Income | $17M | $46M |
Dividend & Shareholder Information
| Metric | HTB | PDLB |
|---|---|---|
| Dividends Per Share | $1.78 | – |
| Payout Ratio | 161.8% | – |
| Shares Outstanding | 17M | 24M |
| Net Income Growth | -16.9% | 111.6% |
| EPS Growth | -7.6% | 168.2% |
HTB vs PDLB: stock comparison and AI forecast
Which is bigger, HTB or PDLB?
HTB is 1.5 times larger than PDLB by market capitalization ($784M against $525M).
Which is cheaper on earnings, HTB or PDLB?
PDLB trades at 12.8 times trailing earnings, HTB at 42.7 times.
Which one does Intratio's AI model rank higher, HTB or PDLB?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.