Ponce Financial Financials

PDLB Stock  USD 13.18  0.11  0.84%   
Ponce Financial Group is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in January. At present, Ponce Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Other Current Liabilities is expected to grow to about 1.6 B, whereas Total Assets are forecasted to decline to about 1.5 B. Key indicators impacting Ponce Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.360.59
Way Down
Slightly volatile
Current Ratio24.3225.5981
Notably Down
Slightly volatile
The essential information of the day-to-day investment outlook for Ponce Financial includes many different criteria found on its balance sheet. An individual investor should monitor Ponce Financial's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Ponce Financial.

Net Income

3.52 Million

  
Please note, the presentation of Ponce Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Ponce Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Ponce Financial's management manipulating its earnings.

Ponce Financial Stock Summary

Ponce Financial competes with Community West, First Financial, Finwise Bancorp, Magyar Bancorp, and Home Federal. Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York. PDL Community operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 253 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS69290X1019
CUSIP732344106
LocationNew York; U.S.A
Business Address2244 Westchester Avenue,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.poncebank.com
Phone718 931 9000
CurrencyUSD - US Dollar

Ponce Financial Key Financial Ratios

Ponce Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets1.1B1.4B1.7B2.3B2.8B1.5B
Other Current Liab(97K)(118.9M)(93.0M)(1.4M)1.5B1.6B
Other Liab8.8M17.3M138.0M13.6M15.6M28.9M
Net Tangible Assets158.4M159.5M189.3M267.7M307.9M177.8M
Net Debt76.7M73.9M(35.0M)496.1M577.7M606.5M
Retained Earnings93.7M97.5M123.0M93.0M97.4M109.4M
Accounts Payable97K60K228K1.4M12.0M12.6M
Cash27.7M74.8M156.4M55.9M28.9M27.5M
Other Assets946.3M1.2B1.2B1.4B2.4B1.3B
Net Receivables4.0M11.4M12.4M15.0M18.0M18.9M
Inventory(31.7M)(86.2M)(168.7M)(70.9M)(1.9B)(1.8B)
Other Current Assets31.7M86.2M168.7M70.9M157.4M155.3M
Total Liab895.4M1.2B1.5B1.8B2.3B1.3B
Short Long Term Debt20M25M8.0M30.0M93.0M0.0
Total Current Assets53.2M103.7M282.1M200.4M306.3M213.2M
Short Term Debt8.0M118.8M93.0M188.2M367.2M385.5M
Long Term Debt104.4M118.7M28.4M517.4M684.4M718.6M
Net Invested Capital262.8M308.2M310.6M785.1M950.8M480.4M

Ponce Financial Key Income Statement Accounts

201920202021202220232024 (projected)
Tax Provision(924K)1.4M8.2M(6.8M)(530K)(503.5K)
Net Interest Income38.1M42.0M58.8M66.6M64.2M46.7M
Interest Income50.5M53.3M67.1M82.8M115.9M61.3M
Interest Expense12.4M11.4M8.3M16.1M60.6M63.6M
Income Before Tax(6.0M)5.2M33.6M(36.8M)5.9M6.1M
Net Income(5.1M)3.9M25.4M(30.0M)3.4M3.5M
Total Revenue40.1M49.6M69.3M71.0M73.9M53.3M
Gross Profit40.1M49.6M64.8M65.9M69.1M51.6M
Operating Income(6.0M)5.2M33.6M(25.0M)4.4M3.2M
Ebit(6.0M)5.2M33.6M(36.8M)5.9M3.3M
Ebitda(3.8M)7.8M36.1M(32.6M)10.4M5.3M
Cost Of Revenue8.5M0.04.6M5.1M4.8M4.0M
Income Tax Expense(924K)1.4M8.2M(6.8M)2.5M2.6M

Ponce Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Ponce Financial's current stock value. Our valuation model uses many indicators to compare Ponce Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Ponce Financial competition to find correlations between indicators driving Ponce Financial's intrinsic value. More Info.
Ponce Financial Group is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.17  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Ponce Financial Group is roughly  5.77 . At present, Ponce Financial's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Ponce Financial's earnings, one of the primary drivers of an investment's value.

Ponce Financial Group Systematic Risk

Ponce Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Ponce Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Ponce Financial Group correlated with the market. If Beta is less than 0 Ponce Financial generally moves in the opposite direction as compared to the market. If Ponce Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Ponce Financial Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Ponce Financial is generally in the same direction as the market. If Beta > 1 Ponce Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Ponce Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Ponce Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Ponce Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.62)

At present, Ponce Financial's Price Earnings To Growth Ratio is projected to slightly grow based on the last few years of reporting.

Ponce Financial December 11, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Ponce Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Ponce Financial Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of Ponce Financial Group based on widely used predictive technical indicators. In general, we focus on analyzing Ponce Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Ponce Financial's daily price indicators and compare them against related drivers.

Complementary Tools for Ponce Stock analysis

When running Ponce Financial's price analysis, check to measure Ponce Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Ponce Financial is operating at the current time. Most of Ponce Financial's value examination focuses on studying past and present price action to predict the probability of Ponce Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Ponce Financial's price. Additionally, you may evaluate how the addition of Ponce Financial to your portfolios can decrease your overall portfolio volatility.
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