Meta Financial Group (CASH) vs. PDL Community Bancorp (PDLB) Head to Head Analysis

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

Earnings & Valuation

This table compares Meta Financial Group and PDL Community Bancorp’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Meta Financial Group $343.06 million 2.48 $51.62 million $2.81 7.67
PDL Community Bancorp $49.09 million 5.33 $2.68 million N/A N/A

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

Volatility & Risk

Meta Financial Group has a beta of 1.27, suggesting that its share price is 27% more volatile than the S&P 500. Comparatively, PDL Community Bancorp has a beta of 0.43, suggesting that its share price is 57% less volatile than the S&P 500.

Insider & Institutional Ownership

64.8% of Meta Financial Group shares are held by institutional investors. Comparatively, 17.6% of PDL Community Bancorp shares are held by institutional investors. 7.7% of Meta 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 large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
Meta Financial Group 15.76% 11.61% 1.36%
PDL Community Bancorp 5.45% 1.60% 0.27%

Analyst Recommendations

This is a summary of recent ratings for Meta Financial Group and PDL Community Bancorp, as provided by MarketBeat.com.

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

Meta Financial Group presently has a consensus target price of $35.67, suggesting a potential upside of 65.43%. Given Meta Financial Group’s higher probable upside, analysts plainly believe Meta Financial Group is more favorable than PDL Community Bancorp.

Dividends

Meta Financial Group pays an annual dividend of $0.20 per share and has a dividend yield of 0.9%. PDL Community Bancorp does not pay a dividend. Meta Financial Group pays out 7.1% of its earnings in the form of a dividend.

Summary

Meta Financial Group beats PDL Community Bancorp on 12 of the 15 factors compared between the two stocks.

About Meta Financial Group

Meta Financial Group, Inc. operates as the holding company for MetaBank that offers various banking products and services in the United States. The company accepts various deposit products, including statement savings accounts, money market savings accounts, negotiable order of withdrawal accounts, and checking accounts; and deposits related to prepaid cards, which primarily comprise checking accounts and certificate accounts. It also provides loans, such as commercial finance loans, commercial and multi-family real estate loans, one-to-four family mortgage loans, consumer finance loans, taxpayer advance loans, agriculture loans, consumer and commercial operating loans, and commercial insurance premium finance products. In addition, the company issues prepaid cards and consumer credit products; sponsors automated teller machines into various debit networks; and offers tax refund transfer and other payment industry products and services. It operates 10 full-service branch offices in Storm Lake and Des Moines, Iowa; and Brookings and Sioux Falls, South Dakota, as well as 17 non-branch offices located in South Dakota, Texas, California, Kentucky, Pennsylvania, Florida, Louisiana, Tennessee, Michigan, and Canada. The company was founded in 1954 and is headquartered in Sioux Falls, South Dakota.

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.

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