Southern Missouri Bancorp (NASDAQ:SMBC – Get Free Report) and Ponce Financial Group (NASDAQ:PDLB – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, institutional ownership and profitability.
Insider and Institutional Ownership
49.5% of Southern Missouri Bancorp shares are held by institutional investors. Comparatively, 64.3% of Ponce Financial Group shares are held by institutional investors. 14.6% of Southern Missouri Bancorp shares are held by company insiders. Comparatively, 7.2% of Ponce Financial Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Volatility and Risk
Southern Missouri Bancorp has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. Comparatively, Ponce Financial Group has a beta of 0.72, indicating that its stock price is 28% less volatile than the S&P 500.
Profitability
This table compares Southern Missouri Bancorp and Ponce Financial Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Southern Missouri Bancorp | 23.47% | 13.02% | 1.46% |
| Ponce Financial Group | 21.21% | 13.94% | 1.36% |
Analyst Ratings
This is a summary of current ratings and recommmendations for Southern Missouri Bancorp and Ponce Financial Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Southern Missouri Bancorp | 0 | 5 | 1 | 1 | 2.43 |
| Ponce Financial Group | 0 | 1 | 0 | 1 | 3.00 |
Southern Missouri Bancorp currently has a consensus price target of $79.50, suggesting a potential upside of 12.45%. Ponce Financial Group has a consensus price target of $24.00, suggesting a potential upside of 6.71%. Given Southern Missouri Bancorp’s higher probable upside, equities research analysts plainly believe Southern Missouri Bancorp is more favorable than Ponce Financial Group.
Valuation & Earnings
This table compares Southern Missouri Bancorp and Ponce Financial Group”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Southern Missouri Bancorp | $316.78 million | 2.46 | $71.84 million | $6.78 | 10.43 |
| Ponce Financial Group | $194.94 million | 2.79 | $28.70 million | $1.89 | 11.90 |
Southern Missouri Bancorp has higher revenue and earnings than Ponce Financial Group. Southern Missouri Bancorp is trading at a lower price-to-earnings ratio than Ponce Financial Group, indicating that it is currently the more affordable of the two stocks.
Summary
Southern Missouri Bancorp beats Ponce Financial Group on 9 of the 14 factors compared between the two stocks.
About Southern Missouri Bancorp
Southern Missouri Bancorp, Inc. operates as the bank holding company for Southern Bank that provides banking and financial services to individuals and corporate customers in the United States. The company offers deposits products, including interest-bearing and noninterest-bearing transaction accounts, saving accounts, certificates of deposit, retirement savings plans, and money market deposit accounts. It also provides loans, such as residential mortgage, commercial real estate, construction, and commercial business loans; and consumer loans comprising home equity, direct and indirect automobile loans, second mortgages, mobile home loans, and loans secured by deposits. In addition, the company offers fiduciary and investment management services; commercial and consumer insurance; online and mobile banking services; and debit or credit cards. The company was founded in 1887 and is headquartered in Poplar Bluff, Missouri.
About Ponce Financial Group
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposit products, including demand accounts, NOW/IOLA, money market, reciprocal deposits, savings accounts, and certificates of deposit to individuals, business entities, and non-profit organizations, as well as individual retirement accounts. The company also provides real estate-secured loans, which includes one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans, as well as lines of credit. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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