Ponce Financial Group Statistics
Total Valuation
PDLB has a market cap or net worth of $542.78 million. The enterprise value is $1.13 billion.
| Market Cap | 542.78M |
| Enterprise Value | 1.13B |
Important Dates
The last earnings date was Monday, October 26, 2026, before market open.
| Earnings Date | Oct 26, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PDLB has 24.19 million shares outstanding. The number of shares has increased by 2.15% in one year.
| Current Share Class | 24.19M |
| Shares Outstanding | 24.19M |
| Shares Change (YoY) | +2.15% |
| Shares Change (QoQ) | +0.60% |
| Owned by Insiders (%) | 5.95% |
| Owned by Institutions (%) | 49.20% |
| Float | 19.10M |
Valuation Ratios
The trailing PE ratio is 11.82 and the forward PE ratio is 11.28.
| PE Ratio | 11.82 |
| Forward PE | 11.28 |
| PS Ratio | 4.52 |
| Forward PS | n/a |
| PB Ratio | 1.54 |
| P/TBV Ratio | 1.54 |
| P/FCF Ratio | 9.42 |
| P/OCF Ratio | 9.32 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 25.57 |
| EV / Sales | 9.45 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 19.69 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.25 |
| Debt / EBITDA | n/a |
| Debt / FCF | 12.57 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.21%.
| Return on Equity (ROE) | 8.21% |
| Return on Assets (ROA) | 1.33% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.07% |
| Revenue Per Employee | $555,588 |
| Profits Per Employee | $205,454 |
| Employee Count | 216 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PDLB has paid $3.26 million in taxes.
| Income Tax | 3.26M |
| Effective Tax Rate | 6.68% |
Stock Price Statistics
The stock price has increased by +59.04% in the last 52 weeks. The beta is 0.53, so PDLB's price volatility has been lower than the market average.
| Beta (5Y) | 0.53 |
| 52-Week Price Change | +59.04% |
| 50-Day Moving Average | 20.50 |
| 200-Day Moving Average | 18.75 |
| Relative Strength Index (RSI) | 76.13 |
| Average Volume (20 Days) | 124,411 |
Short Selling Information
The latest short interest is 601,255, so 2.49% of the outstanding shares have been sold short.
| Short Interest | 601,255 |
| Short Previous Month | 494,651 |
| Short % of Shares Out | 2.49% |
| Short % of Float | 3.15% |
| Short Ratio (days to cover) | 6.81 |
Income Statement
In the last 12 months, PDLB had revenue of $120.01 million and earned $44.38 million in profits. Earnings per share was $1.90.
| Revenue | 120.01M |
| Gross Profit | 120.01M |
| Operating Income | 50.17M |
| Pretax Income | 48.76M |
| Net Income | 44.38M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.90 |
Balance Sheet
The company has $132.46 million in cash and $724.27 million in debt, with a net cash position of -$591.81 million or -$24.47 per share.
| Cash & Cash Equivalents | 132.46M |
| Total Debt | 724.27M |
| Net Cash | -591.81M |
| Net Cash Per Share | -$24.47 |
| Equity (Book Value) | 578.26M |
| Book Value Per Share | 14.60 |
| Working Capital | -2.21B |
Cash Flow
In the last 12 months, operating cash flow was $58.26 million and capital expenditures -$621,000, giving a free cash flow of $57.64 million.
| Operating Cash Flow | 58.26M |
| Capital Expenditures | -621,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 85.00M |
| Free Cash Flow | 57.64M |
| FCF Per Share | $2.38 |
Margins
| Gross Margin | n/a |
| Operating Margin | 41.81% |
| Pretax Margin | 40.63% |
| Profit Margin | 37.92% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 50.66% |
Dividends & Yields
PDLB does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | n/a |
| FCF Payout Ratio | n/a |
| Buyback Yield | -2.15% |
| Shareholder Yield | -2.15% |
| Earnings Yield | 8.46% |
| FCF Yield | 10.62% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on January 28, 2022. It was a forward split with a ratio of 1.3952:1.
| Last Split Date | Jan 28, 2022 |
| Split Type | Forward |
| Split Ratio | 1.3952:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |