TC Bench Shares (NASDAQ: TCBC – Get a rating) and Ponce Financial Group (NASDAQ: PDLB – Get a rating) are both small cap finance companies, but which stock is superior? We’ll compare the two companies based on valuation strength, analyst recommendations, dividends, earnings, profitability, risk and institutional ownership.
Profitability
This table compares the net margins, return on equity and return on assets of TC Bancshares and Ponce Financial Group.
| Net margins | Return on equity | return on assets | |
| TC Bench Stocks | 15.85% | 3.44% | 0.65% |
| Ponce Financial Group | 15.54% | 7.74% | 1.02% |
Benefits and evaluation
This table compares the revenue, earnings per share and valuation of TC Bancshares and Ponce Financial Group.
| Gross revenue | Price/sales ratio | Net revenue | Earnings per share | Price/earnings ratio | |
| TC Bench Stocks | $16.42 million | 3.01 | $2.64 million | N / A | N / A |
| Ponce Financial Group | $101.74 million | 2.23 | $25.42 million | N / A | N / A |
Ponce Financial Group has higher revenue and profit than TC Bancshares.
Insider and Institutional Ownership
14.4% of TC Bancshares shares are held by institutional investors. By comparison, 29.2% of Ponce Financial Group’s shares are held by institutional investors. 2.3% of TC Bancshares shares are held by insiders. By comparison, 1.9% of Ponce Financial Group shares are held by insiders. Strong institutional ownership indicates that endowments, hedge funds, and large money managers believe a stock is poised for long-term growth.
Analyst Recommendations
This is a breakdown of the current ratings and recommendations for TC Bancshares and Ponce Financial Group, as provided by MarketBeat.com.
| Sales Ratings | Hold odds | Buy reviews | Strong buy odds | Rating | |
| TC Bench Stocks | 0 | 0 | 0 | 0 | N / A |
| Ponce Financial Group | 0 | 0 | 1 | 0 | 3.00 |
Ponce Financial Group has a consensus target price of $12.25, indicating a potential upside of 33.59%. Given Ponce Financial Group’s likely higher upside, analysts clearly believe Ponce Financial Group is more favorable than TC Bancshares.
Summary
Ponce Financial Group beats TC Bancshares on 7 out of 10 factors compared between the two stocks.
About TC Bancshares (Get a rating)
TC Bancshares, Inc. operates as a holding company of TC Federal Bank which provides various retail and corporate banking services in the United States. It accepts various deposit products, including personal checking accounts, business checking accounts, savings accounts, money market accounts, and certificates of deposit. The Company also offers lending products including single-family residential loans, home equity lines of credit, closed-end home equity loans, consumer loans, commercial and multi-family residential real estate loans, commercial and industrial loans. , construction loans, land development loans. and SBA/USDA guaranteed loans. It operates a branch in Thomasville, Georgia, and one in Tallahassee, Florida, as well as loan origination offices in Tallahassee, Florida and Savannah, Georgia. The company was founded in 1934 and is based in Thomasville, Georgia.
About Ponce Financial Group (Get a rating)
Ponce Financial Group, Inc., a bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including current accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts and certificates of deposit. The company also offers investor-owned one- to four-family, owner-occupied one-to-four-family, multi-family and non-residential, construction and land, commercial and industrial, and consumer loans; Lines of credit; and Paycheck Protection Program. In addition, it invests in securities, which consist of US government and federal agency securities and securities issued by government-sponsored or owned companies, as well as mortgage-backed securities, bonds and corporate bonds and Federal Home Loan Bank stock. It operates 4 banking offices in the Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 1 mortgage office in Nassau County, 2 mortgage offices in Queens, 1 mortgage office in Brooklyn, New York; and 1 mortgage office in Englewood Cliffs and 1 mortgage office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is based in Bronx, New York.
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