Reviewing Access National (ANCX) and PDL Community Bancorp (PDLB)

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Access National (NASDAQ: PDLB) 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 profitability, valuation, dividends, earnings, analyst recommendations, institutional ownership and risk.

Analyst Recommendations

This is a breakdown of current recommendations for Access National and PDL Community Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Access National 0 3 3 0 2.50
PDL Community Bancorp 0 0 0 0 N/A

Access National currently has a consensus price target of $30.60, suggesting a potential upside of 9.80%. Given Access National’s higher probable upside, research analysts clearly believe Access National is more favorable than PDL Community Bancorp.

Valuation & Earnings

This table compares Access National and PDL Community Bancorp’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Access National $127.57 million 4.54 $16.50 million $1.61 17.31
PDL Community Bancorp $42.09 million 6.43 -$4.38 million N/A N/A

Access National has higher revenue and earnings than PDL Community Bancorp.

Insider and Institutional Ownership

43.9% of Access National shares are owned by institutional investors. Comparatively, 15.9% of PDL Community Bancorp shares are owned by institutional investors. 14.1% of Access National shares are owned by company insiders. Comparatively, 1.1% of PDL Community Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Dividends

Access National pays an annual dividend of $0.64 per share and has a dividend yield of 2.3%. PDL Community Bancorp does not pay a dividend. Access National pays out 39.8% of its earnings in the form of a dividend.

Profitability

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

Net Margins Return on Equity Return on Assets
Access National 19.04% 8.06% 1.19%
PDL Community Bancorp -9.74% -1.40% -0.25%

Summary

Access National beats PDL Community Bancorp on 10 of the 12 factors compared between the two stocks.

Access National Company Profile

Access National Corporation operates as the bank holding company for Access National Bank that provides credit, deposit, mortgage, and wealth management services to small and medium sized businesses, professionals, and associated individuals primarily in the greater Washington, D.C. Metropolitan Area. The company operates through three segments: Commercial Banking, Mortgage Banking, and Wealth Management. It offers checking, savings/money market, sweep, and zero balance accounts; investment management, financial planning, lockbox payment processing, payroll, and retirement account services, as well as certificates of deposit, qualified and employer sponsored retirement plans, and overnight investments; and loan products, including residential mortgage, asset secured, business investment, construction, and lot and land loans. In addition, the company provides lending products, such as accounts receivable lines of credit and collection; growth capital term loans; partner buyout funding; business acquisition, franchise, and equipment financing, as well as debt re-financing; and commercial mortgage and construction, and SBA preferred lender loans. The company operates from 15 banking centers located in Chantilly, Tysons, Reston, Leesburg, Manassas, Arlington, Alexandria, Ashburn, Gainesville, Marshall, Middleburg, Purcellville, Richmond, and Warrenton in Virginia. Access National Corporation was founded in 1999 and is headquartered in Reston, Virginia.

PDL Community Bancorp Company Profile

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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