PONCE FINANCIAL GROUP INC (PDLB)
US7323441060 - Common Stock
Taking everything into account, PDLB scores 3 out of 10 in our fundamental rating. PDLB was compared to 411 industry peers in the Banks industry. While PDLB seems to be doing ok healthwise, there are quite some concerns on its profitability. While showing a medium growth rate, PDLB is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
In the past year PDLB was profitable.
In the past year PDLB had a positive cash flow from operations.
In multiple years PDLB reported negative net income over the last 5 years.
PDLB had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PDLB has a Return On Assets of 0.12%. This is amonst the worse of the industry: PDLB underperforms 91.97% of its industry peers.
Looking at the Return On Equity, with a value of 0.68%, PDLB is doing worse than 92.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.68% | ||
| ROIC | N/A |
ROA(3y)0.12%
ROA(5y)0.03%
ROE(3y)2.67%
ROE(5y)1.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 4.43%, PDLB is doing worse than 92.94% of the companies in the same industry.
PDLB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for PDLB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 4.43% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-13.96%
PM growth 5Y-8.08%
GM growth 3YN/A
GM growth 5YN/A
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 reduced compared to 1 year ago.
PDLB has more shares outstanding than it did 5 years ago.
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.
2.2 Solvency
PDLB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.01%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 123.08% over the past year.
Measured over the past 5 years, PDLB shows a small growth in Earnings Per Share. The EPS has been growing by 6.89% on average per year.
Looking at the last year, PDLB shows a small growth in Revenue. The Revenue has grown by 3.36% in the last year.
The Revenue has been growing by 13.77% on average over the past years. This is quite good.
EPS 1Y (TTM)123.08%
EPS 3Y-13.89%
EPS 5Y6.89%
EPS growth Q2Q105%
Revenue 1Y (TTM)3.36%
Revenue growth 3Y10.98%
Revenue growth 5Y13.77%
Revenue growth Q2Q11.27%
3.2 Future
PDLB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.00% yearly.
The Revenue is expected to grow by 12.35% on average over the next years. This is quite good.
EPS Next Y-134%
EPS Next 2Y1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year14.81%
Revenue Next 2Y12.35%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 58.13, which means the current valuation is very expensive for PDLB.
Based on the Price/Earnings ratio, PDLB is valued more expensive than 91.97% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 28.91, PDLB is valued quite expensively.
PDLB is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.13 | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PDLB indicates a rather expensive valuation: PDLB more expensive than 82.00% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.14 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)8.44
EPS Next 2Y1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PDLB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PONCE FINANCIAL GROUP INC
NASDAQ:PDLB (5/15/2024, 7:01:41 PM)
After market: 8.72 0 (0%)8.72
+0.01 (+0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap207.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 58.13 | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)8.44
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.12% | ||
| ROE | 0.68% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 4.43% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)123.08%
EPS 3Y-13.89%
EPS 5Y
EPS growth Q2Q
EPS Next Y-134%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.36%
Revenue growth 3Y10.98%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y