PONCE FINANCIAL GROUP INC (PDLB) Fundamental Analysis & Valuation

NASDAQ:PDLB • US7323441060

Current stock price

16.3 USD
-0.03 (-0.18%)
At close:
16.3 USD
0 (0%)
After Hours:

This PDLB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PDLB Profitability Analysis

1.1 Basic Checks

  • In the past year PDLB was profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10M -10M 20M -20M

1.2 Ratios

  • PDLB has a Return On Assets (0.86%) which is in line with its industry peers.
  • PDLB has a Return On Equity of 5.09%. This is in the lower half of the industry: PDLB underperforms 78.48% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 5.09%
ROIC N/A
ROA(3y)0.44%
ROA(5y)0.31%
ROE(3y)2.61%
ROE(5y)3.03%
ROIC(3y)N/A
ROIC(5y)N/A
PDLB Yearly ROA, ROE, ROICPDLB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10

1.3 Margins

  • PDLB's Profit Margin of 25.25% is in line compared to the rest of the industry. PDLB outperforms 51.71% of its industry peers.
  • In the last couple of years the Profit Margin of PDLB has grown nicely.
  • PDLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 25.25%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y29.35%
GM growth 3YN/A
GM growth 5YN/A
PDLB Yearly Profit, Operating, Gross MarginsPDLB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 -40

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4

2. PDLB Health Analysis

2.1 Basic Checks

  • PDLB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • PDLB has more shares outstanding than it did 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
PDLB Yearly Total Debt VS Total AssetsPDLB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 N/A
Altman-Z N/A
ROIC/WACCN/A
WACC11.71%
PDLB Yearly LT Debt VS Equity VS FCFPDLB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 10M 20M 30M 40M 50M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PDLB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 153.19% over the past year.
  • Measured over the past years, PDLB shows a very strong growth in Earnings Per Share. The EPS has been growing by 39.06% on average per year.
  • The Revenue has grown by 29.68% in the past year. This is a very strong growth!
  • PDLB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.62% yearly.
EPS 1Y (TTM)153.19%
EPS 3YN/A
EPS 5Y39.06%
EPS Q2Q%250%
Revenue 1Y (TTM)29.68%
Revenue growth 3Y14.36%
Revenue growth 5Y14.62%
Sales Q2Q%34.75%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.32% on average over the next years. This is quite good.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-17.71%
EPS Next 2Y10.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year8.59%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
PDLB Yearly Revenue VS EstimatesPDLB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M 100M
PDLB Yearly EPS VS EstimatesPDLB Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1

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2

4. PDLB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.70, PDLB is valued correctly.
  • PDLB's Price/Earnings ratio is a bit more expensive when compared to the industry. PDLB is more expensive than 68.50% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. PDLB is valued slightly cheaper when compared to this.
  • Based on the Price/Forward Earnings ratio of 16.65, the valuation of PDLB can be described as correct.
  • 76.90% of the companies in the same industry are cheaper than PDLB, based on the Price/Forward Earnings ratio.
  • PDLB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 13.7
Fwd PE 16.65
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

Industry RankSector Rank
P/FCF N/A
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

PEG (NY)N/A
PEG (5Y)0.35
EPS Next 2Y10.32%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PDLB Dividend Analysis

5.1 Amount

  • No dividends for PDLB!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PDLB Fundamentals: All Metrics, Ratios and Statistics

PONCE FINANCIAL GROUP INC

NASDAQ:PDLB (3/13/2026, 8:00:00 PM)

After market: 16.3 0 (0%)

16.3

-0.03 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners47.68%
Inst Owner Change-11.45%
Ins Owners6.05%
Ins Owner Change0.57%
Market Cap393.48M
Revenue(TTM)109.22M
Net Income(TTM)27.58M
Analysts85.71
Price Target18.87 (15.77%)
Short Float %1.33%
Short Ratio3.24
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)31.07%
Min EPS beat(2)15.09%
Max EPS beat(2)47.06%
EPS beat(4)4
Avg EPS beat(4)69.66%
Min EPS beat(4)15.09%
Max EPS beat(4)172.33%
EPS beat(8)8
Avg EPS beat(8)260.18%
EPS beat(12)12
Avg EPS beat(12)221.49%
EPS beat(16)14
Avg EPS beat(16)-54.55%
Revenue beat(2)2
Avg Revenue beat(2)12.55%
Min Revenue beat(2)7.06%
Max Revenue beat(2)18.04%
Revenue beat(4)4
Avg Revenue beat(4)8.79%
Min Revenue beat(4)2.2%
Max Revenue beat(4)18.04%
Revenue beat(8)7
Avg Revenue beat(8)5.7%
Revenue beat(12)11
Avg Revenue beat(12)4.68%
Revenue beat(16)14
Avg Revenue beat(16)5.86%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
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 13.7
Fwd PE 16.65
P/S 3.6
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.19
EY7.3%
EPS(NY)0.98
Fwd EY6.01%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.52
BVpS22.43
TBVpS22.43
PEG (NY)N/A
PEG (5Y)0.35
Graham Number24.51
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 5.09%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.25%
GM N/A
FCFM N/A
ROA(3y)0.44%
ROA(5y)0.31%
ROE(3y)2.61%
ROE(5y)3.03%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y29.35%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-ScoreN/A
WACC11.71%
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)153.19%
EPS 3YN/A
EPS 5Y39.06%
EPS Q2Q%250%
EPS Next Y-17.71%
EPS Next 2Y10.32%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)29.68%
Revenue growth 3Y14.36%
Revenue growth 5Y14.62%
Sales Q2Q%34.75%
Revenue Next Year8.59%
Revenue Next 2YN/A
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
OCF growth 3YN/A
OCF growth 5YN/A

PONCE FINANCIAL GROUP INC / PDLB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PONCE FINANCIAL GROUP INC?

ChartMill assigns a fundamental rating of 3 / 10 to PDLB.


What is the valuation status of PONCE FINANCIAL GROUP INC (PDLB) stock?

ChartMill assigns a valuation rating of 2 / 10 to PONCE FINANCIAL GROUP INC (PDLB). This can be considered as Overvalued.


Can you provide the profitability details for PONCE FINANCIAL GROUP INC?

PONCE FINANCIAL GROUP INC (PDLB) has a profitability rating of 2 / 10.


What is the valuation of PONCE FINANCIAL GROUP INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for PONCE FINANCIAL GROUP INC (PDLB) is 13.7 and the Price/Book (PB) ratio is 0.73.


Can you provide the expected EPS growth for PDLB stock?

The Earnings per Share (EPS) of PONCE FINANCIAL GROUP INC (PDLB) is expected to decline by -17.71% in the next year.