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PONCE FINANCIAL GROUP INC (PDLB) Stock Fundamental Analysis

NASDAQ:PDLB - Nasdaq - US7323441060 - Common Stock - Currency: USD

12.81  -0.2 (-1.54%)

After market: 12.81 0 (0%)

Fundamental Rating

3

Taking everything into account, PDLB scores 3 out of 10 in our fundamental rating. PDLB was compared to 405 industry peers in the Banks industry. PDLB scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PDLB is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

PDLB had positive earnings in the past year.
PDLB had a positive operating cash flow in the past year.
Of the past 5 years PDLB 4 years were profitable.
In multiple years PDLB reported negative operating cash flow during the last 5 years.
PDLB Yearly Net Income VS EBIT VS OCF VS FCFPDLB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M -10M 20M -20M

1.2 Ratios

PDLB has a worse Return On Assets (0.27%) than 85.21% of its industry peers.
The Return On Equity of PDLB (1.63%) is worse than 88.22% of its industry peers.
Industry RankSector Rank
ROA 0.27%
ROE 1.63%
ROIC N/A
ROA(3y)-0.28%
ROA(5y)0.2%
ROE(3y)-1.12%
ROE(5y)2.5%
ROIC(3y)N/A
ROIC(5y)N/A
PDLB Yearly ROA, ROE, ROICPDLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10

1.3 Margins

PDLB's Profit Margin of 10.34% is on the low side compared to the rest of the industry. PDLB is outperformed by 83.21% of its industry peers.
In the last couple of years the Profit Margin of PDLB has declined.
The Operating Margin and Gross Margin are not available for PDLB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 10.34%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
PDLB Yearly Profit, Operating, Gross MarginsPDLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 -40

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4

2. Health

2.1 Basic Checks

PDLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PDLB has been increased compared to 1 year ago.
PDLB has more shares outstanding than it did 5 years ago.
PDLB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PDLB Yearly Shares OutstandingPDLB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
PDLB Yearly Total Debt VS Total AssetsPDLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

There is no outstanding debt for PDLB. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC8.52%
PDLB Yearly LT Debt VS Equity VS FCFPDLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PDLB Yearly Current Assets VS Current LiabilitesPDLB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 207.60% over the past year.
PDLB shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -32.80% yearly.
PDLB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 10.86%.
The Revenue has been growing by 15.45% on average over the past years. This is quite good.
EPS 1Y (TTM)207.6%
EPS 3Y-32.8%
EPS 5YN/A
EPS Q2Q%402.72%
Revenue 1Y (TTM)10.86%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%32.74%

3.2 Future

PDLB is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.47% yearly.
PDLB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.52% yearly.
EPS Next Y-11.36%
EPS Next 2Y-3.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year18.68%
Revenue Next 2Y13.52%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
PDLB Yearly Revenue VS EstimatesPDLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
PDLB Yearly EPS VS EstimatesPDLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 27.85, which means the current valuation is very expensive for PDLB.
Based on the Price/Earnings ratio, PDLB is valued expensively inside the industry as 85.21% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of PDLB to the average of the S&P500 Index (29.62), we can say PDLB is valued inline with the index average.
With a Price/Forward Earnings ratio of 32.20, PDLB can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PDLB indicates a slightly more expensive valuation: PDLB is more expensive than 79.95% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of PDLB to the average of the S&P500 Index (22.70), we can say PDLB is valued slightly more expensively.
Industry RankSector Rank
PE 27.85
Fwd PE 32.2
PDLB Price Earnings VS Forward Price EarningsPDLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

69.17% of the companies in the same industry are cheaper than PDLB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 21.92
EV/EBITDA N/A
PDLB Per share dataPDLB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PDLB's earnings are expected to decrease with -3.47% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.47%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

PDLB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PONCE FINANCIAL GROUP INC

NASDAQ:PDLB (2/21/2025, 8:00:00 PM)

After market: 12.81 0 (0%)

12.81

-0.2 (-1.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04 2025-02-04/amc
Earnings (Next)04-28 2025-04-28/amc
Inst Owners46.43%
Inst Owner Change-76.87%
Ins Owners5.66%
Ins Owner Change0.13%
Market Cap306.93M
Analysts85.71
Price Target15.3 (19.44%)
Short Float %0.5%
Short Ratio2.04
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)656.3%
Min EPS beat(2)40.06%
Max EPS beat(2)1272.55%
EPS beat(4)4
Avg EPS beat(4)467.04%
Min EPS beat(4)40.06%
Max EPS beat(4)1272.55%
EPS beat(8)7
Avg EPS beat(8)166%
EPS beat(12)9
Avg EPS beat(12)-99.34%
EPS beat(16)10
Avg EPS beat(16)-66.25%
Revenue beat(2)1
Avg Revenue beat(2)0.29%
Min Revenue beat(2)-3.02%
Max Revenue beat(2)3.61%
Revenue beat(4)3
Avg Revenue beat(4)2.05%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)6.67%
Revenue beat(8)6
Avg Revenue beat(8)1.4%
Revenue beat(12)10
Avg Revenue beat(12)12.38%
Revenue beat(16)14
Avg Revenue beat(16)20.46%
PT rev (1m)7.14%
PT rev (3m)15.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)5.41%
EPS NY rev (3m)5.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)6.54%
Revenue NY rev (3m)6.54%
Valuation
Industry RankSector Rank
PE 27.85
Fwd PE 32.2
P/S 3.87
P/FCF 21.92
P/OCF 18.85
P/B 0.61
P/tB 0.61
EV/EBITDA N/A
EPS(TTM)0.46
EY3.59%
EPS(NY)0.4
Fwd EY3.11%
FCF(TTM)0.58
FCFY4.56%
OCF(TTM)0.68
OCFY5.3%
SpS3.31
BVpS21.06
TBVpS21.06
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.27%
ROE 1.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.34%
GM N/A
FCFM 17.65%
ROA(3y)-0.28%
ROA(5y)0.2%
ROE(3y)-1.12%
ROE(5y)2.5%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-23.14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 47.89%
Cap/Sales 2.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 170.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.52%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)207.6%
EPS 3Y-32.8%
EPS 5YN/A
EPS Q2Q%402.72%
EPS Next Y-11.36%
EPS Next 2Y-3.47%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.86%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%32.74%
Revenue Next Year18.68%
Revenue Next 2Y13.52%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y146.2%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y154.5%
OCF growth 3YN/A
OCF growth 5YN/A