PDL Community Bancorp (NASDAQ: MLVF) and Malvern Bancorp (NASDAQ:MLVF) are both small-cap finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their institutional ownership, valuation, dividends, analyst recommendations, earnings, profitability and risk.
Institutional and Insider Ownership
12.6% of PDL Community Bancorp shares are owned by institutional investors. Comparatively, 60.1% of Malvern Bancorp shares are owned by institutional investors. 1.1% of PDL Community Bancorp shares are owned by insiders. Comparatively, 3.7% of Malvern Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Earnings and Valuation
This table compares PDL Community Bancorp and Malvern Bancorp’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|PDL Community Bancorp||$42.09 million||6.49||-$4.38 million||N/A||N/A|
|Malvern Bancorp||$36.12 million||4.52||$5.81 million||N/A||N/A|
Malvern Bancorp has lower revenue, but higher earnings than PDL Community Bancorp.
This table compares PDL Community Bancorp and Malvern Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|PDL Community Bancorp||-9.74%||-1.40%||-0.25%|
This is a breakdown of current recommendations for PDL Community Bancorp and Malvern Bancorp, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|PDL Community Bancorp||0||0||0||0||N/A|
Malvern Bancorp has a consensus price target of $28.00, suggesting a potential upside of 12.90%. Given Malvern Bancorp’s higher possible upside, analysts plainly believe Malvern Bancorp is more favorable than PDL Community Bancorp.
Malvern Bancorp beats PDL Community Bancorp on 7 of the 9 factors compared between the two stocks.
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.
About Malvern Bancorp
Malvern Bancorp, Inc. operates as the holding company for Malvern Federal Savings Bank that provides various banking products and services to consumer and business customers in Pennsylvania. The company offers checking accounts, retirement accounts, money market accounts, time and savings accounts, interest and non-interest bearing accounts, NOW accounts, and CDARS/ICS reciprocal deposits; and debit and credit card, wire transfer, automated teller, Internet banking, ACH origination, safe deposit box, telephone banking, and mobile banking services. It also provides residential mortgage loans, such as one class and one-to four-family first lien residential mortgage loans; residential and commercial construction loans, and land loans; commercial loans, including commercial real estate loans, multi-family real estate loans, industrial loans, and commercial business loans; and consumer loans, such as home equity lines of credit, second mortgage loans, and unsecured consumer lines of credit. In addition, the company offers liquidity management, investment, custody, wealth planning, trust and fiduciary, insurance, and 401k services to high net worth individuals and families. Further, it provides remote deposit capture banking for business customers; and mobile remote deposit capture banking for retail and business customers. As of September 30, 2017, the company owns and maintains its headquarters and six full-service financial centers; leases financial centers in Glen Mills and Villanova, Pennsylvania; a private banking office in Morristown, New Jersey; and leases representative offices in Montchanin, Delaware, and Palm Beach, Florida. Malvern Bancorp, Inc. was founded in 1887 and is headquartered in Paoli, Pennsylvania.
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