Contrasting Western New England Bancorp (WNEB) & PDL Community Bancorp (PDLB)

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

Analyst Ratings

This is a breakdown of current ratings and recommmendations for PDL Community Bancorp and Western New England Bancorp, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
PDL Community Bancorp 0 0 0 0 N/A
Western New England Bancorp 0 2 1 0 2.33

Western New England Bancorp has a consensus price target of $11.83, suggesting a potential upside of 11.64%. Given Western New England Bancorp’s higher possible upside, analysts clearly believe Western New England Bancorp is more favorable than PDL Community Bancorp.

Profitability

This table compares PDL Community Bancorp and Western New England 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%
Western New England Bancorp 14.08% 6.48% 0.76%

Dividends

Western New England Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 1.5%. PDL Community Bancorp does not pay a dividend. Western New England Bancorp pays out 32.0% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares PDL Community Bancorp and Western New England Bancorp’s 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 6.14 -$4.38 million N/A N/A
Western New England Bancorp $82.54 million 3.82 $12.32 million $0.50 21.20

Western New England Bancorp has higher revenue and earnings than PDL Community Bancorp.

Insider & Institutional Ownership

15.9% of PDL Community Bancorp shares are held by institutional investors. Comparatively, 55.5% of Western New England Bancorp shares are held by institutional investors. 1.1% of PDL Community Bancorp shares are held by company insiders. Comparatively, 5.4% of Western New England Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

Western New England Bancorp beats PDL Community Bancorp on 10 of the 12 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 Western New England Bancorp

Western New England Bancorp, Inc. operates as the holding company for Westfield Bank that provides community banking products and services to individuals and businesses. The company accepts various deposit accounts, including time deposits, money market accounts, savings accounts, demand accounts, and interest bearing checking accounts. It also offers commercial and industrial loans comprising business installment loans, vehicle and equipment financing, lines of credit, and other commercial loans; commercial real estate loans to finance the purchase of apartment buildings, business properties, and multi-family investment properties; construction loans to the developers of commercial and residential properties; residential real estate loans and originations; home equity loans; and consumer loans. In addition, the company provides complementary commercial products and services consisting of commercial deposit accounts, cash management services, Internet banking, sweep accounts, ATM network, and night deposit services; and invests in government-sponsored enterprise debt securities and municipal bonds. It operates a network of 21 banking offices located in Agawam, Chicopee, Feeding Hills, East Longmeadow, Holyoke, Ludlow, South Hadley, Southwick, Springfield, Ware, West Springfield, and Westfield, Massachusetts, Granby and Enfield, and Connecticut. The company was formerly known as Westfield Financial, Inc. and changed its name to Western New England Bancorp, Inc. in October 2016. Western New England Bancorp, Inc. was founded in 1853 and is headquartered in Westfield, Massachusetts.

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