COMP <GO>

PDLB vs CFFN // EV/EBITDA & P/E VALUATION

Ponce Financial Group Inc. (NASDAQ) VS. Capitol Federal Financial Inc. (NASDAQ) • 15-METRIC TALLY: PDLB 2 — CFFN 4

■ METRIC PARITY

LAST: $22.68 (+1.21%) • MKT CAP: $548.6M

valuation

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LAST: $8.54 (+1.67%) • MKT CAP: $1.07B

valuation

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15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PDLB VS. CFFN) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	PDLB	CFFN	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	5.10%	6.50%	-1.40	CFFN	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	—	—	TIE	/valuation <GO>
Free Cash Flow Yield	9.96%	4.64%	+5.32	PDLB	/fcf-yield <GO>
Operating Margin	—	—	—	TIE	/operating-margins <GO>
Net Profit Margin	—	68.00%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	6.50%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	4.12%	-4.12	CFFN	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	5/9	5/9	0.00	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	77.4	50.3	+27.14	PDLB	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	—	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	18.5x	14.7x	+3.80	CFFN	/forward-pe <GO>
Enterprise Scale & Market Cap	$548.6M	$1.07B	-$524.9M	CFFN	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	PDLB REV	CFFN REV	PDLB GROSS %	CFFN GROSS %	PDLB FCF	CFFN FCF
FY 2025	$0	$16.3M	—	—	$54.6M	$49.8M
FY 2024	$0	$15.3M	—	—	$4.5M	$24.0M
FY 2023	$0	$17.6M	—	—	$6.5M	$47.5M

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

PDLB // BETA —

CFFN // BETA —