PONCE FINANCIAL GROUP INC (PDLB) Stock Fundamental Analysis

NASDAQ:PDLB • US7323441060

16.54 USD
-0.06 (-0.36%)
At close: Feb 13, 2026
16.54 USD
0 (0%)
After Hours: 2/13/2026, 4:30:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

PDLB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. The financial health of PDLB is average, but there are quite some concerns on its profitability. While showing a medium growth rate, PDLB is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • PDLB had positive earnings in the past year.
  • PDLB had positive earnings in 4 of the past 5 years.
  • Of the past 5 years PDLB 4 years had a positive operating cash flow.
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 of 0.86%. This is comparable to the rest of the industry: PDLB outperforms 46.19% of its industry peers.
  • The Return On Equity of PDLB (5.09%) is worse than 75.59% 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

  • The Profit Margin of PDLB (25.25%) is comparable to the rest of the industry.
  • PDLB's Profit Margin has improved in the last couple of years.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

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.
  • Compared to 5 years ago, PDLB has more shares outstanding
  • 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
WACC11.6%
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

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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 153.19% over the past year.
  • PDLB shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 39.06% yearly.
  • The Revenue has grown by 29.68% in the past year. This is a very strong growth!
  • The Revenue has been growing by 14.62% on average over the past years. This is quite good.
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

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.90, the valuation of PDLB can be described as correct.
  • Based on the Price/Earnings ratio, PDLB is valued a bit more expensive than the industry average as 60.63% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of PDLB to the average of the S&P500 Index (27.67), we can say PDLB is valued slightly cheaper.
  • The Price/Forward Earnings ratio is 16.89, which indicates a correct valuation of PDLB.
  • Based on the Price/Forward Earnings ratio, PDLB is valued a bit more expensive than the industry average as 75.33% of the companies are valued more cheaply.
  • PDLB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 13.9
Fwd PE 16.89
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)0.36
EPS Next 2Y10.32%
EPS Next 3YN/A

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

0

5. Dividend

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

PONCE FINANCIAL GROUP INC

NASDAQ:PDLB (2/13/2026, 4:30:00 PM)

After market: 16.54 0 (0%)

16.54

-0.06 (-0.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-27
Earnings (Next)04-23
Inst Owners48.26%
Inst Owner Change-0.23%
Ins Owners5.8%
Ins Owner Change0.44%
Market Cap396.96M
Revenue(TTM)109.22M
Net Income(TTM)27.58M
Analysts85.71
Price Target18.87 (14.09%)
Short Float %1.48%
Short Ratio3.28
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)2.78%
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 13.9
Fwd PE 16.89
P/S 3.63
P/FCF N/A
P/OCF N/A
P/B 0.73
P/tB 0.73
EV/EBITDA N/A
EPS(TTM)1.19
EY7.19%
EPS(NY)0.98
Fwd EY5.92%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.55
BVpS22.56
TBVpS22.56
PEG (NY)N/A
PEG (5Y)0.36
Graham Number24.58
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
WACC11.6%
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 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 13.9 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.