PCB Bancorp vs Ponce Financial Group
PCB Bancorp and Ponce Financial Group are similar in size: $116m and $109m of revenue in their latest fiscal years. Ponce Financial Group grew faster (30.5% against 16.1%). PCB Bancorp kept more of each dollar of sales as profit: a net margin of 32.4% against 26.3%.
| Latest fiscal year | PCB BancorpPCB, 2025 | Ponce Financial GroupPDLB, 2025 |
|---|---|---|
| Revenue | $116m | $109m |
| Revenue growth | 16.1% | 30.5% |
| Net income | $37.5m | $28.7m |
| Operating margin | — | — |
| Net margin | 32.4% | 26.3% |
| Return on equity | 9.9% | 5.5% |
| Free cash flow | $24.4m | $54.6m |
| Cash | $207m | $126m |
| Total debt | $0 | $596m |
| Debt to equity | — | — |
| Dividend per share | $0.80 | — |
| Dividend yield | 2.8% | — |
| Share buybacks | $7.1m | — |
| Employees | 262 | 216 |
| Market value | $431m | $532m |
| Price vs our value range | — | — |
| Moat score | 85 (Strong) | 17 (Weak) |
| Insider trades, 12 months | 10 buys, 0 sales | 0 buys, 1 sales |