Investar Holding vs Ponce Financial Group
Ponce Financial Group is the larger business, with $109m of revenue in fiscal 2025 against $93.6m for Investar Holding (1.2 times as much). Ponce Financial Group grew faster (30.5% against 7.1%). Ponce Financial Group kept more of each dollar of sales as profit: a net margin of 26.3% against 24.5%.
| Latest fiscal year | Investar HoldingISTR, 2025 | Ponce Financial GroupPDLB, 2025 |
|---|---|---|
| Revenue | $93.6m | $109m |
| Revenue growth | 7.1% | 30.5% |
| Net income | $22.9m | $28.7m |
| Operating margin | — | — |
| Net margin | 24.5% | 26.3% |
| Return on equity | 8.4% | 5.5% |
| Free cash flow | $18.2m | $54.6m |
| Cash | — | $126m |
| Total debt | $9.8m | $596m |
| Debt to equity | — | — |
| Dividend per share | $0.43 | — |
| Dividend yield | 1.2% | — |
| Share buybacks | $2.3m | — |
| Employees | — | 216 |
| Market value | $385m | $532m |
| Price vs our value range | — | — |
| Moat score | 50 (Moderate) | 17 (Weak) |
| Insider trades, 12 months | 0 buys, 0 sales | 0 buys, 1 sales |