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Ponce Financial Group, Inc. PDLB
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 14.33
0.561 %
$ 344 M
Market Cap
23.88
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PDLB stock under the worst case scenario is HIDDEN Compared to the current market price of 14.3 USD, Ponce Financial Group, Inc. is HIDDEN

PDLB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PDLB stock under the base case scenario is HIDDEN Compared to the current market price of 14.3 USD, Ponce Financial Group, Inc. is HIDDEN

PDLB Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one PDLB stock under the best case scenario is HIDDEN Compared to the current market price of 14.3 USD, Ponce Financial Group, Inc. is HIDDEN

PDLB Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart PDLB

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1M 11%
6M 12%
1Y 46%
3Y 56.0%
5Y 112.0%
All
$14.5$14.5$14.0$14.0$13.5$13.5$13.0$13.0$12.5$12.5$12.0$12.0$11.5$11.5$11.0$11.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
167 M REVENUE
24.41%
Growth Rates
1Year 24.41%
3Years 29.20%
5Years 26.09%
7Years 22.10%
10Years 0.00%
15.7 M OPERATING INCOME
167.98%
Growth Rates
1Year 167.98%
3Years -22.44%
5Years 35.65%
7Years 32.82%
10Years 0.00%
11 M NET INCOME
227.33%
Growth Rates
1Year 227.33%
3Years -24.42%
5Years 32.87%
7Years 23.97%
10Years 0.00%
7.21 M OPERATING CASH FLOW
11.07%
Growth Rates
1Year 11.07%
3Years -27.02%
5Years 7.40%
7Years -2.56%
10Years 0.00%
-295 M INVESTING CASH FLOW
11.42%
Growth Rates
1Year 11.42%
3Years -11.78%
5Years -50.13%
7Years -11.70%
10Years 0.00%
288 M FINANCING CASH FLOW
-29.89%
Growth Rates
1Year -29.89%
3Years 1.66%
5Years 104.78%
7Years 7.37%
10Years 0.00%
46 M REVENUE
3.66%
Growth Rates
1Year 24.41%
3Years 29.20%
5Years 26.09%
7Years 22.10%
10Years 0.00%
7.98 M OPERATING INCOME
78.75%
Growth Rates
1Year 167.98%
3Years -22.44%
5Years 35.65%
7Years 32.82%
10Years 0.00%
5.96 M NET INCOME
103.17%
Growth Rates
1Year 227.33%
3Years -24.42%
5Years 32.87%
7Years 23.97%
10Years 0.00%
13.1 M OPERATING CASH FLOW
-42.77%
Growth Rates
1Year 11.07%
3Years -27.02%
5Years 7.40%
7Years -2.56%
10Years 0.00%
-67.8 M INVESTING CASH FLOW
1.37%
Growth Rates
1Year 11.42%
3Years -11.78%
5Years -50.13%
7Years -11.70%
10Years 0.00%
44.8 M FINANCING CASH FLOW
49.65%
Growth Rates
1Year -29.89%
3Years 1.66%
5Years 104.78%
7Years 7.37%
10Years 0.00%
Balance Sheet Ponce Financial Group, Inc.
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Current Assets 263 M
Cash & Short-Term Investments 245 M
Receivables 17.8 M
Other Current Assets 0
Non-Current Assets 2.78 B
Long-Term Investments 2.67 B
PP&E 45.9 M
Other Non-Current Assets 65.9 M
8.06 %87.68 %Total Assets$3.0b
Current Liabilities 1.89 B
Accounts Payable 3.71 M
Short-Term Debt 0
Other Current Liabilities 1.88 B
Non-Current Liabilities 646 M
Long-Term Debt 627 M
Other Non-Current Liabilities 19.1 M
74.37 %24.73 %Total Liabilities$2.5b
EFFICIENCY
Earnings Waterfall Ponce Financial Group, Inc.
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Revenue 167 M
Cost Of Revenue 87.5 M
Gross Profit 79.8 M
Operating Expenses 64.1 M
Operating Income 15.7 M
Other Expenses 4.71 M
Net Income 11 M
180m180m160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00167m(87m)80m(64m)16m(5m)11mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
47.70% GROSS MARGIN
47.70%
Averages
1Year 47.70%
3Years 51.92%
5Years 63.80%
7Years 67.60%
10Years 71.88%
9.38% OPERATING MARGIN
9.38%
Averages
1Year 9.38%
3Years -9.52%
5Years 4.67%
7Years 2.81%
10Years 3.03%
6.56% NET MARGIN
6.56%
Averages
1Year 6.56%
3Years -8.46%
5Years 2.74%
7Years 1.35%
10Years 1.00%
2.17% ROE
2.17%
Averages
1Year 2.17%
3Years -1.08%
5Years 2.52%
7Years 1.56%
10Years 1.26%
0.36% ROA
0.36%
Averages
1Year 0.36%
3Years -0.27%
5Years 0.20%
7Years 0.11%
10Years 0.08%
0.95% ROIC
0.95%
Averages
1Year 0.95%
3Years -0.54%
5Years 1.05%
7Years 0.63%
10Years 0.62%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Ponce Financial Group, Inc.
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15m15m10m10m5m5m00(5m)(5m)(10m)(10m)(15m)(15m)(20m)(20m)(25m)(25m)(30m)(30m)20162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 11 M
Depreciation & Amortization 4.74 M
Capital Expenditures -2.72 M
Stock-Based Compensation 3.55 M
Change in Working Capital -14 M
Others -6.2 M
Free Cash Flow 4.49 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Ponce Financial Group, Inc.
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PDLB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Ponce Financial Group, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Ponce Financial (PDLB) Upgraded to Strong Buy: Here's What You Should Know Ponce Financial (PDLB) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 3 weeks ago
What Makes Ponce Financial (PDLB) a Good Fit for 'Trend Investing' If you are looking for stocks that are well positioned to maintain their recent uptrend, Ponce Financial (PDLB) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen. zacks.com - 1 month ago
Best Momentum Stocks to Buy for May 23rd NXGPY, PDLB and EBKDY made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on May 23, 2025. zacks.com - 1 month ago
New Strong Buy Stocks for May 23rd NXGPY, HWM, EBKDY, PDLB and FLEX have been added to the Zacks Rank #1 (Strong Buy) List on May 23, 2025. zacks.com - 1 month ago
Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable If you are looking for stocks that are well positioned to maintain their recent uptrend, Ponce Financial (PDLB) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen. zacks.com - 2 months ago
Earnings Estimates Rising for Ponce Financial (PDLB): Will It Gain? Ponce Financial (PDLB) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 2 months ago
All You Need to Know About Ponce Financial (PDLB) Rating Upgrade to Strong Buy Ponce Financial (PDLB) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 2 months ago
Ponce Financial (PDLB) Q1 Earnings and Revenues Beat Estimates Ponce Financial (PDLB) came out with quarterly earnings of $0.25 per share, beating the Zacks Consensus Estimate of $0.09 per share. This compares to earnings of $0.11 per share a year ago. zacks.com - 2 months ago
Ponce Financial Group, Inc. Reports First Quarter 2025 Results NEW YORK, April 25, 2025 (GLOBE NEWSWIRE) -- Ponce Financial Group, Inc., (the “Company”) (NASDAQ: PDLB), the holding company for Ponce Bank (the “Bank”), today announced results for the first quarter of 2025. globenewswire.com - 2 months ago
Ponce De Leon Foundation Grant Awarded in the Amount of $610,000 to Nonprofits BRONX, N.Y., Feb. 12, 2025 (GLOBE NEWSWIRE) -- The Board of Directors of the Ponce De Leon Foundation is pleased to announce it has awarded $610,000 to nonprofits that are making a difference in our communities. Since its inception in 2017, the Foundation has provided over $2.4 million in grants. globenewswire.com - 5 months ago
Why Ponce Financial (PDLB) Might be Well Poised for a Surge Ponce Financial (PDLB) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions. zacks.com - 5 months ago
Ponce Financial (PDLB) Upgraded to Buy: What Does It Mean for the Stock? Ponce Financial (PDLB) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 5 months ago
8. Profile Summary

Ponce Financial Group, Inc. PDLB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 344 M
Dividend Yield 0.10%
Description 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.
Contact 2244 Westchester Avenue, Bronx, NY, 10462 https://www.poncebank.com
IPO Date Oct. 2, 2017
Employees 211
Officers Mr. Steven A. Tsavaris Executive Chairman of the Board Mr. Carlos P. Naudon President, Chief Executive Officer & Director Mr. Ioannis Kouzilos Executive Vice President & Chief Lending Officer Mr. Luis Gerardo Gonzalez Jr. Executive Vice President & Chief Operating Officer Mr. Michael Lagoudis Senior Vice President Ms. Madeline V. Marquez Chief External Affairs Officer Mr. David Rodriguez Chief Relationship Manager & Senior Vice President Mr. Frank Perez CPA Executive Vice President & Chief Investor Relations Officer Mr. Sergio J. Vaccaro Executive Vice President & Chief Financial Officer