Ponce Financial Group (NASDAQ:PDLB) and AMB Financial (OTCMKTS:AMFC) Critical Comparison

Profitability

This table compares AMB Financial and Ponce Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
AMB Financial	N/A	N/A	N/A
Ponce Financial Group	6.46%	4.01%	0.38%

Valuation & Earnings

This table compares AMB Financial and Ponce Financial Group”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
AMB Financial	$18.97 million	1.03	$2.19 million	N/A	N/A
Ponce Financial Group	$81.14 million	3.43	$10.97 million	$0.47	24.68

Ponce Financial Group has higher revenue and earnings than AMB Financial.

Risk & Volatility

AMB Financial has a beta of 0.13, indicating that its stock price is 87% less volatile than the S&P 500. Comparatively, Ponce Financial Group has a beta of 0.5, indicating that its stock price is 50% less volatile than the S&P 500.

Institutional and Insider Ownership

1.2% of AMB Financial shares are held by institutional investors. Comparatively, 64.3% of Ponce Financial Group shares are held by institutional investors. 37.7% of AMB Financial shares are held by company insiders. Comparatively, 6.7% of Ponce Financial Group 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.

Summary

Ponce Financial Group beats AMB Financial on 8 of the 9 factors compared between the two stocks.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.

About Ponce Financial Group

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposit products, including demand accounts, NOW/IOLA, money market, reciprocal deposits, savings accounts, and certificates of deposit to individuals, business entities, and non-profit organizations, as well as individual retirement accounts. The company also provides real estate-secured loans, which includes one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans, as well as lines of credit. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.