PDLB - NASDAQ
Ponce Financial Group, Inc.
$18.50
-3.1%Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $86.0M | $171.9M | $343.9M | $687.7M | $1.4B | $2.8B | $5.5B | $11.0B | $22.0B | $44.0B |
| Maintenance CapEx | -$391.2K | -$782.4K | -$1.6M | -$3.1M | -$6.3M | -$12.5M | -$25.0M | -$50.1M | -$100.1M | -$200.3M |
| Owner Earnings | $85.6M | $171.1M | $342.3M | $684.6M | $1.4B | $2.7B | $5.5B | $11.0B | $21.9B | $43.8B |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $79.2M | $146.7M | $271.7M | $503.2M | $931.9M | $1.7B | $3.2B | $5.9B | $11.0B | $20.3B |
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