PONCE FINANCIAL GROUP INC (PDLB) Stock Fundamental Analysis
USA - NASDAQ:PDLB - US7323441060 - Common Stock
14.58 USD
-0.25 (-1.69%)
14.58 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to PDLB. PDLB was compared to 390 industry peers in the Banks industry. The financial health of PDLB is average, but there are quite some concerns on its profitability. PDLB is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
PDLB had positive earnings in the past year.
In the past year PDLB had a positive cash flow from operations.
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.
1.2 Ratios
PDLB's Return On Assets of 0.52% is on the low side compared to the rest of the industry. PDLB is outperformed by 74.62% of its industry peers.
With a Return On Equity value of 3.13%, PDLB is not doing good in the industry: 83.85% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 3.13% | ||
| 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
1.3 Margins
With a Profit Margin value of 17.23%, PDLB is not doing good in the industry: 71.03% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of PDLB has declined.
PDLB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.23% | ||
| 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
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.
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
WACC11.92%
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 140.54% 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.
Looking at the last year, PDLB shows a quite strong growth in Revenue. The Revenue has grown by 10.87% in the last year.
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)140.54%
EPS 3Y-24.27%
EPS 5YN/A
EPS Q2Q%170%
Revenue 1Y (TTM)10.87%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%31.45%
3.2 Future
Based on estimates for the next years, PDLB will show a very strong growth in Earnings Per Share. The EPS will grow by 44.34% on average per year.
Based on estimates for the next years, PDLB will show a quite strong growth in Revenue. The Revenue will grow by 13.52% on average per year.
EPS Next Y108.34%
EPS Next 2Y44.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 16.38, which indicates a correct valuation of PDLB.
Based on the Price/Earnings ratio, PDLB is valued a bit more expensive than 74.10% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.67, PDLB is valued a bit cheaper.
The Price/Forward Earnings ratio is 14.89, which indicates a correct valuation of PDLB.
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 74.62% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 31.86, PDLB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.38 | ||
| Fwd PE | 14.89 |
4.2 Price Multiples
PDLB's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.31 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as PDLB's earnings are expected to grow with 44.34% in the coming years.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y44.34%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PDLB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
14.58
-0.25 (-1.69%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners48.05%
Inst Owner Change-0.02%
Ins Owners5.93%
Ins Owner Change0%
Market Cap349.92M
Revenue(TTM)83.69M
Net Income(TTM)16.30M
Analysts85.71
Price Target18.36 (25.93%)
Short Float %0.87%
Short Ratio4.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.02
Dividend Growth(5Y)N/A
DP6.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)108.25%
Min EPS beat(2)44.18%
Max EPS beat(2)172.33%
EPS beat(4)4
Avg EPS beat(4)71.82%
Min EPS beat(4)30.72%
Max EPS beat(4)172.33%
EPS beat(8)8
Avg EPS beat(8)297.93%
EPS beat(12)10
Avg EPS beat(12)-121.83%
EPS beat(16)12
Avg EPS beat(16)-59.65%
Revenue beat(2)2
Avg Revenue beat(2)5.03%
Min Revenue beat(2)2.2%
Max Revenue beat(2)7.87%
Revenue beat(4)4
Avg Revenue beat(4)4.21%
Min Revenue beat(4)2.2%
Max Revenue beat(4)7.87%
Revenue beat(8)7
Avg Revenue beat(8)2.69%
Revenue beat(12)10
Avg Revenue beat(12)3.51%
Revenue beat(16)14
Avg Revenue beat(16)12.19%
PT rev (1m)0%
PT rev (3m)20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)21.05%
EPS NY rev (1m)0%
EPS NY rev (3m)21.52%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.38 | ||
| Fwd PE | 14.89 | ||
| P/S | 3.7 | ||
| P/FCF | 13.31 | ||
| P/OCF | 12.69 | ||
| P/B | 0.67 | ||
| P/tB | 0.67 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.89
EY6.1%
EPS(NY)0.98
Fwd EY6.72%
FCF(TTM)1.1
FCFY7.51%
OCF(TTM)1.15
OCFY7.88%
SpS3.94
BVpS21.71
TBVpS21.71
PEG (NY)0.15
PEG (5Y)N/A
Graham Number20.85
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 3.13% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.23% | ||
| GM | N/A | ||
| FCFM | 27.79% |
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
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 3Y-23.14%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.08% | ||
| Cap/Sales | 1.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 161.27% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC11.92%
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)140.54%
EPS 3Y-24.27%
EPS 5YN/A
EPS Q2Q%170%
EPS Next Y108.34%
EPS Next 2Y44.34%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)10.87%
Revenue growth 3Y-3.62%
Revenue growth 5Y15.45%
Sales Q2Q%31.45%
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 1Y255.17%
FCF growth 3Y-32.14%
FCF growth 5Y14.74%
OCF growth 1Y268.08%
OCF growth 3Y-27.01%
OCF growth 5Y3.47%
PONCE FINANCIAL GROUP INC / PDLB FAQ
Can you provide the ChartMill fundamental rating for PONCE FINANCIAL GROUP INC?
ChartMill assigns a fundamental rating of 4 / 10 to PDLB.
Can you provide the valuation status for PONCE FINANCIAL GROUP INC?
ChartMill assigns a valuation rating of 4 / 10 to PONCE FINANCIAL GROUP INC (PDLB). This can be considered as Fairly Valued.
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 16.38 and the Price/Book (PB) ratio is 0.67.
What is the expected EPS growth for PONCE FINANCIAL GROUP INC (PDLB) stock?
The Earnings per Share (EPS) of PONCE FINANCIAL GROUP INC (PDLB) is expected to grow by 108.34% in the next year.