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

Volatility and Risk

First Northern Community Bancorp has a beta of 0.32, suggesting that its stock price is 68% less volatile than the S&P 500. Comparatively, PDL Community Bancorp has a beta of 0.42, suggesting that its stock price is 58% less volatile than the S&P 500.

Insider and Institutional Ownership

3.4% of First Northern Community Bancorp shares are held by institutional investors. Comparatively, 16.1% of PDL Community Bancorp shares are held by institutional investors. 9.7% of First Northern Community Bancorp 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, endowments and hedge funds believe a company is poised for long-term growth.

Earnings and Valuation

This table compares First Northern Community Bancorp and PDL Community Bancorp’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First Northern Community Bancorp $48.14 million 2.69 $8.74 million N/A N/A
PDL Community Bancorp $42.09 million 5.57 -$4.38 million N/A N/A

First Northern Community Bancorp has higher revenue and earnings than PDL Community Bancorp.

Profitability

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

Net Margins Return on Equity Return on Assets
First Northern Community Bancorp 19.79% 11.48% 0.97%
PDL Community Bancorp -1.75% 0.77% 0.13%

Analyst Ratings

This is a breakdown of current ratings and target prices for First Northern Community Bancorp and PDL Community Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Northern Community Bancorp 0 0 0 0 N/A
PDL Community Bancorp 0 0 0 0 N/A

Summary

First Northern Community Bancorp beats PDL Community Bancorp on 6 of the 10 factors compared between the two stocks.

About First Northern Community Bancorp

First Northern Community Bancorp operates as the holding company for First Northern Bank of Dixon, a state-chartered bank that provides commercial banking services to individuals and small to medium sized businesses in California. It accepts demand, interest bearing transaction, savings and money market, and time deposits. The company also provides commercial, commercial real estate, agriculture, residential mortgage, residential construction, and consumer loans. In addition, it offers investment and brokerage services; alternative investment products and services; and equipment leasing, merchant card processing, payroll, and international banking services through third parties. Further, the company provides credit cards; issues cashier's checks; sells travelers' checks; rents safe deposit boxes; and offers other customary banking services. It operates 10 full service branches located in the cities of Auburn, Davis, Dixon, Fairfield, Roseville, Sacramento, Vacaville, West Sacramento, Winters, and Woodland; a satellite banking office inside a retirement community in the city of Davis; a residential mortgage loan office in Davis; and an asset management and trust department in Downtown Sacramento. First Northern Community Bancorp was founded in 1910 and is headquartered in Dixon, California.

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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