Financial Analysis: PDL Community Bancorp (PDLB) and Northeast Indiana Bancorp (NIDB)

Northeast Indiana Bancorp (OTCMKTS:NIDB) and PDL Community Bancorp (NASDAQ:PDLB) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their valuation, earnings, profitability, dividends, risk, analyst recommendations and institutional ownership.

Analyst Recommendations

This is a summary of current recommendations and price targets for Northeast Indiana Bancorp and PDL Community Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Northeast Indiana Bancorp 0 0 0 0 N/A
PDL Community Bancorp 0 0 0 0 N/A

Earnings & Valuation

This table compares Northeast Indiana Bancorp and PDL Community Bancorp’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Northeast Indiana Bancorp $17.23 million 2.60 $4.17 million N/A N/A
PDL Community Bancorp $49.09 million 5.47 $2.68 million N/A N/A

Northeast Indiana Bancorp has higher earnings, but lower revenue than PDL Community Bancorp.

Dividends

Northeast Indiana Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 2.7%. PDL Community Bancorp does not pay a dividend.

Risk & Volatility

Northeast Indiana Bancorp has a beta of 0.24, indicating that its stock price is 76% less volatile than the S&P 500. Comparatively, PDL Community Bancorp has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500.

Institutional & Insider Ownership

17.6% of PDL Community Bancorp shares are held by institutional investors. 19.8% of Northeast Indiana Bancorp 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 large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Profitability

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

Net Margins Return on Equity Return on Assets
Northeast Indiana Bancorp 23.24% N/A N/A
PDL Community Bancorp 4.75% 1.43% 0.24%

Summary

PDL Community Bancorp beats Northeast Indiana Bancorp on 7 of the 11 factors compared between the two stocks.

About Northeast Indiana Bancorp

Northeast Indiana Bancorp, Inc. operates as the bank holding company for First Federal Savings Bank that provides various banking and financial advisory services. It offers various personal products, including checking accounts, savings accounts, certificates of deposit, retirement accounts, health savings accounts, and direct deposits. The company's loan portfolio comprises mortgage loans, such as home purchases, refinances, new construction loans, and home equity/home improvement loans; installment loans consisting of auto loans, personal loans, short term notes, and savings account loans, as well as RV, ATV, and boat loans; and commercial loans, including lines of credit, letters of credit, equipment financing, and construction loans, as well as commercial loans comprising revolving line of credit, term loans, real estate loans, letter of credit, and small business administration loans. It also provides debit and credit cards, safe deposit boxes, online banking services, merchant services, and cash management services, as well as treasury management and merchant deposit capture services. In addition, the company offers various financial services to individual and corporate clients, including brokerage accounts, retail funds, and wealth management products, as well as insurance products and retirement plans. Northeast Indiana Bancorp, Inc. operates three full service locations in Huntington; one full service location in Warsaw; and two full service locations in Fort Wayne, Indiana. The company is based in Huntington, Indiana.

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 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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