Ponce Financial Group Statistics
Total Valuation
PDLB has a market cap or net worth of $460.78 million. The enterprise value is $946.35 million.
| Market Cap | 460.78M |
| Enterprise Value | 946.35M |
Important Dates
The next estimated earnings date is Friday, July 24, 2026, before market open.
| Earnings Date | Jul 24, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PDLB has 24.19 million shares outstanding. The number of shares has increased by 2.18% in one year.
| Current Share Class | 24.19M |
| Shares Outstanding | 24.19M |
| Shares Change (YoY) | +2.18% |
| Shares Change (QoQ) | +0.29% |
| Owned by Insiders (%) | 5.85% |
| Owned by Institutions (%) | 40.64% |
| Float | 18.93M |
Valuation Ratios
The trailing PE ratio is 14.56 and the forward PE ratio is 1.80.
| PE Ratio | 14.56 |
| Forward PE | 1.80 |
| PS Ratio | 4.24 |
| Forward PS | n/a |
| PB Ratio | 1.40 |
| P/TBV Ratio | 1.42 |
| P/FCF Ratio | 8.35 |
| P/OCF Ratio | 8.22 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 31.29 |
| EV / Sales | 8.67 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.05 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.82 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 5.89%.
| Return on Equity (ROE) | 5.89% |
| Return on Assets (ROA) | 0.98% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.15% |
| Revenue Per Employee | $505,477 |
| Profits Per Employee | $140,009 |
| Employee Count | 216 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PDLB has paid $10.46 million in taxes.
| Income Tax | 10.46M |
| Effective Tax Rate | 25.00% |
Stock Price Statistics
The stock price has increased by +42.59% in the last 52 weeks. The beta is 0.54, so PDLB's price volatility has been lower than the market average.
| Beta (5Y) | 0.54 |
| 52-Week Price Change | +42.59% |
| 50-Day Moving Average | 17.88 |
| 200-Day Moving Average | 16.26 |
| Relative Strength Index (RSI) | 64.36 |
| Average Volume (20 Days) | 83,600 |
Short Selling Information
The latest short interest is 305,568, so 1.26% of the outstanding shares have been sold short.
| Short Interest | 305,568 |
| Short Previous Month | 324,189 |
| Short % of Shares Out | 1.26% |
| Short % of Float | 1.61% |
| Short Ratio (days to cover) | 7.77 |
Income Statement
In the last 12 months, PDLB had revenue of $109.18 million and earned $30.24 million in profits. Earnings per share was $1.31.
| Revenue | 109.18M |
| Gross Profit | 109.18M |
| Operating Income | 43.14M |
| Pretax Income | 41.82M |
| Net Income | 30.24M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.31 |
Balance Sheet
The company has $117.50 million in cash and $600.53 million in debt, with a net cash position of -$483.03 million or -$19.97 per share.
| Cash & Cash Equivalents | 117.50M |
| Total Debt | 600.53M |
| Net Cash | -483.03M |
| Net Cash Per Share | -$19.97 |
| Equity (Book Value) | 551.36M |
| Book Value Per Share | 13.49 |
| Working Capital | -2.15B |
Cash Flow
In the last 12 months, operating cash flow was $56.39 million and capital expenditures -$871,000, giving a free cash flow of $55.52 million.
| Operating Cash Flow | 56.39M |
| Capital Expenditures | -871,000 |
| Depreciation & Amortization | n/a |
| Net Borrowing | 50.00M |
| Free Cash Flow | 55.52M |
| FCF Per Share | $2.30 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.51% |
| Pretax Margin | 38.30% |
| Profit Margin | 28.73% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 50.85% |
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 |
| Buyback Yield | -2.18% |
| Shareholder Yield | -2.18% |
| Earnings Yield | 6.53% |
| FCF Yield | 11.98% |
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 |