COMP <GO>
HTB vs PDLB // GROSS PROFIT MARGIN
HomeTrust Bancshares Inc. (NYSE) VS. Ponce Financial Group Inc. (NASDAQ) • 15-METRIC TALLY: HTB 4
— PDLB 3
■ METRIC PARITY
LAST: $47.29 (+0.68%) • MKT CAP: $747.9M
gross-margins
—
LAST: $22.68 (+1.21%) • MKT CAP: $548.6M
gross-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (HTB VS. PDLB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | HTB | PDLB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.70% | 5.10% | +5.60 | HTB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 6.06% | 9.96% | -3.90 | PDLB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.12% | 0.00% | +1.12 | HTB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | PDLB | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 44.7 | 77.4 | -32.66 | PDLB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.8x | 18.5x | -7.70 | HTB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $747.9M | $548.6M | $199.4M | HTB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | HTB REV | PDLB REV | HTB GROSS % | PDLB GROSS % | HTB FCF | PDLB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $45.3M | $54.6M |
| FY 2024 | $0 | $0 | — | — | $42.4M | $4.5M |
| FY 2023 | $0 | $0 | — | — | -$32.9M | $6.5M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
HTB // BETA —
PDLB // BETA —