Ponce Financial Group Statistics
Total Valuation
PDLB has a market cap or net worth of $487.39 million. The enterprise value is $997.10 million.
| Market Cap | 487.39M |
| Enterprise Value | 997.10M |
Important Dates
The next estimated earnings date is Friday, October 23, 2026, before market open.
| Earnings Date | Oct 23, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
PDLB has 24.19 million shares outstanding. The number of shares has increased by 2.17% in one year.
| Current Share Class | 24.19M |
| Shares Outstanding | 24.19M |
| Shares Change (YoY) | +2.17% |
| Shares Change (QoQ) | +0.76% |
| Owned by Insiders (%) | 5.95% |
| Owned by Institutions (%) | 48.91% |
| Float | 19.21M |
Valuation Ratios
The trailing PE ratio is 14.30 and the forward PE ratio is 1.90.
| PE Ratio | 14.30 |
| Forward PE | 1.90 |
| PS Ratio | 4.28 |
| Forward PS | n/a |
| PB Ratio | 1.45 |
| P/TBV Ratio | 1.45 |
| P/FCF Ratio | 8.46 |
| P/OCF Ratio | 8.37 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 30.55 |
| EV / Sales | 8.76 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.30 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 11.28 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.24%.
| Return on Equity (ROE) | 6.24% |
| Return on Assets (ROA) | 1.02% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 3.16% |
| Revenue Per Employee | $526,681 |
| Profits Per Employee | $151,097 |
| Employee Count | 216 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, PDLB has paid $11.37 million in taxes.
| Income Tax | 11.37M |
| Effective Tax Rate | 25.20% |
Stock Price Statistics
The stock price has increased by +41.40% in the last 52 weeks. The beta is 0.57, so PDLB's price volatility has been lower than the market average.
| Beta (5Y) | 0.57 |
| 52-Week Price Change | +41.40% |
| 50-Day Moving Average | 20.34 |
| 200-Day Moving Average | 18.40 |
| Relative Strength Index (RSI) | 47.76 |
| Average Volume (20 Days) | 85,154 |
Short Selling Information
The latest short interest is 494,651, so 2.05% of the outstanding shares have been sold short.
| Short Interest | 494,651 |
| Short Previous Month | 386,672 |
| Short % of Shares Out | 2.05% |
| Short % of Float | 2.58% |
| Short Ratio (days to cover) | 5.07 |
Income Statement
In the last 12 months, PDLB had revenue of $113.76 million and earned $32.64 million in profits. Earnings per share was $1.41.
| Revenue | 113.76M |
| Gross Profit | 113.76M |
| Operating Income | 46.32M |
| Pretax Income | 45.14M |
| Net Income | 32.64M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $1.41 |
Balance Sheet
The company has $140.26 million in cash and $649.97 million in debt, with a net cash position of -$509.72 million or -$21.07 per share.
| Cash & Cash Equivalents | 140.26M |
| Total Debt | 649.97M |
| Net Cash | -509.72M |
| Net Cash Per Share | -$21.07 |
| Equity (Book Value) | 560.97M |
| Book Value Per Share | 13.89 |
| Working Capital | -2.31B |
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 | 40.71% |
| Pretax Margin | 39.68% |
| Profit Margin | 29.68% |
| 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 | -2.17% |
| Shareholder Yield | -2.17% |
| Earnings Yield | 6.70% |
| FCF Yield | 11.83% |
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 |