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PONCE FINANCIAL GROUP INC (PDLB) Stock Fundamental Analysis

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

12.95  -0.45 (-3.36%)

After market: 12.95 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PDLB. PDLB was compared to 396 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 valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

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.
PDLB had positive earnings in 4 of the past 5 years.
PDLB had a positive operating cash flow in 4 of the past 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 (0.44%) than 78.54% of its industry peers.
PDLB has a Return On Equity of 2.65%. This is amonst the worse of the industry: PDLB underperforms 85.35% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 2.65%
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 has a worse Profit Margin (15.40%) than 74.49% 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) 15.4%
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.
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.
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

PDLB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACCN/A
WACC12.66%
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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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 144.00% over the past year.
Measured over the past years, PDLB shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -24.27% on average per year.
PDLB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 11.82%.
PDLB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.45% yearly.
EPS 1Y (TTM)144%
EPS 3Y-24.27%
EPS 5YN/A
EPS Q2Q%127.27%
Revenue 1Y (TTM)11.82%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%17.96%

3.2 Future

The Earnings Per Share is expected to grow by 33.40% on average over the next years. This is a very strong growth
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 Y71.45%
EPS Next 2Y33.4%
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 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 0.5 -0.5 1

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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.23 indicates a rather expensive valuation of PDLB.
81.31% of the companies in the same industry are cheaper than PDLB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of PDLB to the average of the S&P500 Index (26.31), we can say PDLB is valued inline with the index average.
PDLB is valuated correctly with a Price/Forward Earnings ratio of 15.48.
Based on the Price/Forward Earnings ratio, PDLB is valued a bit more expensive than 75.51% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.13. PDLB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 21.23
Fwd PE 15.48
PDLB Price Earnings VS Forward Price EarningsPDLB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

72.47% of the companies in the same industry are cheaper than PDLB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 17.5
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PDLB's earnings are expected to grow with 33.40% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y33.4%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for PDLB!.
Industry RankSector Rank
Dividend Yield N/A

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PONCE FINANCIAL GROUP INC

NASDAQ:PDLB (6/13/2025, 8:00:01 PM)

After market: 12.95 0 (0%)

12.95

-0.45 (-3.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-25 2025-04-25/bmo
Earnings (Next)07-28 2025-07-28/amc
Inst Owners47.37%
Inst Owner Change1.2%
Ins Owners6.08%
Ins Owner Change0.13%
Market Cap310.54M
Analysts85.71
Price Target15.3 (18.15%)
Short Float %0.77%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP6.39%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)101.53%
Min EPS beat(2)30.72%
Max EPS beat(2)172.33%
EPS beat(4)4
Avg EPS beat(4)378.91%
Min EPS beat(4)30.72%
Max EPS beat(4)1272.55%
EPS beat(8)8
Avg EPS beat(8)304.91%
EPS beat(12)10
Avg EPS beat(12)-115.69%
EPS beat(16)12
Avg EPS beat(16)-50.79%
Revenue beat(2)2
Avg Revenue beat(2)2.68%
Min Revenue beat(2)2.2%
Max Revenue beat(2)3.17%
Revenue beat(4)3
Avg Revenue beat(4)1.49%
Min Revenue beat(4)-3.02%
Max Revenue beat(4)3.61%
Revenue beat(8)7
Avg Revenue beat(8)2.34%
Revenue beat(12)10
Avg Revenue beat(12)3.6%
Revenue beat(16)14
Avg Revenue beat(16)15.7%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)41.67%
EPS NY rev (1m)0%
EPS NY rev (3m)102.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 21.23
Fwd PE 15.48
P/S 3.52
P/FCF 17.5
P/OCF 16.48
P/B 0.6
P/tB 0.6
EV/EBITDA N/A
EPS(TTM)0.61
EY4.71%
EPS(NY)0.84
Fwd EY6.46%
FCF(TTM)0.74
FCFY5.71%
OCF(TTM)0.79
OCFY6.07%
SpS3.68
BVpS21.43
TBVpS21.43
PEG (NY)0.3
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 2.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.4%
GM N/A
FCFM 20.1%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA N/A
Cap/Depr 20.79%
Cap/Sales 1.24%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 130.48%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC12.66%
ROIC/WACCN/A
Cap/Depr(3y)25.98%
Cap/Depr(5y)64.43%
Cap/Sales(3y)1.49%
Cap/Sales(5y)2.47%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)144%
EPS 3Y-24.27%
EPS 5YN/A
EPS Q2Q%127.27%
EPS Next Y71.45%
EPS Next 2Y33.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.82%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%17.96%
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 1Y423.36%
FCF growth 3Y-32.14%
FCF growth 5Y14.74%
OCF growth 1Y372.13%
OCF growth 3Y-27.01%
OCF growth 5Y3.47%