Ponce Financial Group (PDLB) vs Waterstone Financial (WSBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 7, 2026.
Summary
Ponce Financial Group (PDLB) has outperformed Waterstone Financial (WSBF) over the past year, gaining 37.7% versus a gain of 28.4%. Over five years, PDLB leads with a +92.1% price change compared with -3.8% for WSBF. Ponce Financial Group is the larger company by market cap ($485.7 million vs $352.9 million), about 1.4 times the size.
On valuation, Ponce Financial Group trades at a lower forward P/E (11.3x vs 19.4x for Waterstone Financial). Waterstone Financial pays a dividend yielding 3.26%, while Ponce Financial Group does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | PDLB | WSBF |
|---|---|---|
| Share price | $20.08 | $19.63 |
| Market cap | $485.69M | $352.89M |
| 1-day change | -1.28% | -1.21% |
| YTD return | +22.81% | +18.61% |
| 1-year return | +37.72% | +28.38% |
| 5-year return | +92.12% | -3.82% |
| P/E ratio (TTM) | 14.24 | 11.41 |
| Forward P/E | 11.34 | 19.44 |
| EPS (TTM) | $1.41 | $1.72 |
| Dividend yield | 0.00% | 3.26% |
| Annual dividend | $0.00 | $0.64 |
| 52-week high | $21.10 | $21.66 |
| 52-week low | $13.91 | $14.52 |
| Distance from 52-week high | -4.83% | -9.37% |
| Average volume | 74.76K | 76.76K |
| Shares outstanding | 24.19M | 17.98M |
| Sector | Finance | Finance |
| Industry | Savings Institutions | Savings Institutions |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Waterstone Financial offers a meaningfully higher dividend yield (3.26% vs 0.00%).
PDLB vs WSBF FAQ
Which is bigger, Ponce Financial Group or Waterstone Financial?
Ponce Financial Group (PDLB) is larger, with a market capitalization of $485.69M compared with $352.89M for Waterstone Financial (WSBF).
Which stock has performed better over the past year, PDLB or WSBF?
PDLB returned +37.72% over the past 12 months, compared with +28.38% for WSBF (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PDLB or WSBF?
WSBF has the lower trailing P/E at 11.4, versus 14.2 for PDLB. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Ponce Financial Group or Waterstone Financial?
Waterstone Financial pays a dividend yielding 3.26%, while Ponce Financial Group does not currently pay a regular dividend.
Are Ponce Financial Group and Waterstone Financial in the same industry?
Yes. Both are classified in the Savings Institutions industry within the Finance sector.