Is Ponce Financial Stock a Good Investment?
Ponce Financial Investment Advice | PDLB |
- Examine Ponce Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Ponce Financial's leadership team and their track record. Good management can help Ponce Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Ponce Financial's business and its evolving consumer preferences.
- Compare Ponce Financial's performance and market position to its competitors. Analyze how Ponce Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Ponce Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Ponce Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Ponce Financial Group stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Ponce Financial Group is a good investment.
Sell | Buy |
Strong Buy
Market Performance | Good | Details | |
Volatility | Not too volatile | Details | |
Hype Condition | Low key | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | Very Low | Details | |
Economic Sensitivity | Barely shadows the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Strong Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Ponce Financial Stock
Researching Ponce Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 19.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.06. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Ponce Financial Group last dividend was issued on the 31st of May 2018. The entity had 1395:1000 split on the 28th of January 2022.
To determine if Ponce Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Ponce Financial's research are outlined below:
| About 19.0% of the company outstanding shares are owned by corporate insiders | |
| Latest headline from investing.com: Ponce Financial Group inks change in control agreement with CFO |
Ponce Financial Quarterly Accounts Payable |
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Ponce Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Ponce Financial Group. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Ponce Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 29th of January 2024 Upcoming Quarterly Report | View | |
| 24th of April 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 29th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Ponce Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Ponce Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-01-30 | 2023-12-31 | 0.01 | 0.02 | 0.01 | 100 | ||
2019-10-30 | 2019-09-30 | 0.04 | 0.03 | -0.01 | 25 | ||
2019-08-02 | 2019-06-30 | 0.03 | 0.04 | 0.01 | 33 | ||
2019-05-07 | 2019-03-31 | 0.02 | 0.03 | 0.01 | 50 | ||
2019-03-20 | 2018-12-31 | 0.02 | 0.03 | 0.01 | 50 | ||
2017-11-13 | 2017-09-30 | 0.04 | 0.05 | 0.01 | 25 | ||
2018-11-13 | 2018-09-30 | 0.03 | 0.01 | -0.02 | 66 | ||
2024-10-30 | 2024-09-30 | 0.07 | 0.1 | 0.03 | 42 |
Know Ponce Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Ponce Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Ponce Financial Group backward and forwards among themselves. Ponce Financial's institutional investor refers to the entity that pools money to purchase Ponce Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Renaissance Technologies Corp | 2024-09-30 | 157.7 K | 683 Capital Management Llc | 2024-09-30 | 106.1 K | Wittenberg Investment Management Inc | 2024-09-30 | 105.3 K | Alliancebernstein L.p. | 2024-09-30 | 103.9 K | Morgan Stanley - Brokerage Accounts | 2024-09-30 | 87.9 K | Bridgeway Capital Management, Llc | 2024-09-30 | 59.7 K | Charles Schwab Investment Management Inc | 2024-09-30 | 57.6 K | Los Angeles Capital Management Llc | 2024-09-30 | 56.2 K | Bank Of New York Mellon Corp | 2024-09-30 | 46.6 K | T. Rowe Price Investment Management,inc. | 2024-09-30 | 2.4 M | M3f, Inc. | 2024-09-30 | 2.3 M |
Ponce Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 296.92 M.Market Cap |
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Ponce Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Equity | 0.01 | 0.01 |
Determining Ponce Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Ponce Financial is a good buy. For example, gross profit margin measures Ponce Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Ponce Financial's profitability and make more informed investment decisions.
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.
Evaluate Ponce Financial's management efficiency
At present, Ponce Financial's Return On Assets are projected to slightly decrease based on the last few years of reporting. The current year's Return On Equity is expected to grow to 0.01, whereas Return On Tangible Assets are forecasted to decline to 0.0007. At present, Ponce Financial's Earning Assets are projected to decrease significantly based on the last few years of reporting. The current year's Intangibles To Total Assets is expected to grow to 0.07, whereas Total Assets are forecasted to decline to about 1.5 B. Ponce Financial's management efficiency ratios could be used to measure how well Ponce Financial manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 21.60 | 22.68 | |
| Tangible Book Value Per Share | 21.60 | 22.68 | |
| Enterprise Value Over EBITDA | 87.69 | 92.08 | |
| Price Book Value Ratio | 0.45 | 0.43 | |
| Enterprise Value Multiple | 87.69 | 92.08 | |
| Price Fair Value | 0.45 | 0.43 | |
| Enterprise Value | 910.2 M | 955.7 M |
The decision-making processes within Ponce Financial are key to its success in a competitive market. By evaluating these processes, we assess the stock's potential for future gains.
Beta 0.507 |
Basic technical analysis of Ponce Stock
As of the 4th of December, Ponce Financial holds the Semi Deviation of 1.28, risk adjusted performance of 0.1053, and Coefficient Of Variation of 766.92. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Ponce Financial, as well as the relationship between them.Ponce Financial's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Ponce Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Ponce Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Ponce Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Steven Tsavaris over six months ago Acquisition by Steven Tsavaris of 24000 shares of Ponce Financial at 11.08 subject to Rule 16b-3 | ||
Madeline Marquez over six months ago Payment of 246 shares by Madeline Marquez of Ponce Financial subject to Rule 16b-3 | ||
Michael Lagoudis over a year ago Payment of 1731 shares by Michael Lagoudis of Ponce Financial subject to Rule 16b-3 | ||
Carlos Naudon over a year ago Ponce Financial exotic insider transaction detected | ||
Carlos Naudon over a year ago Ponce Financial exotic insider transaction detected | ||
Carlos Naudon over a year ago Ponce Financial exotic insider transaction detected | ||
Carlos Naudon over a year ago Ponce Financial exotic insider transaction detected | ||
Luis Gonzalez over a year ago Purchase by Luis Gonzalez of 1081 shares of Ponce Financial | ||
Carlos Naudon over a year ago Ponce Financial exotic insider transaction detected | ||
Luis Gonzalez over a year ago Purchase by Luis Gonzalez of 225 shares of Ponce Financial |
Ponce Financial's Outstanding Corporate Bonds
Ponce Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Ponce Financial Group uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Ponce bonds can be classified according to their maturity, which is the date when Ponce Financial Group has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Ponce Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Ponce Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1053 | |||
| Market Risk Adjusted Performance | 0.1608 | |||
| Mean Deviation | 1.34 | |||
| Semi Deviation | 1.28 | |||
| Downside Deviation | 1.48 | |||
| Coefficient Of Variation | 766.92 | |||
| Standard Deviation | 1.83 | |||
| Variance | 3.35 | |||
| Information Ratio | 0.0685 | |||
| Jensen Alpha | 0.0719 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0849 | |||
| Treynor Ratio | 0.1508 | |||
| Maximum Drawdown | 11.34 | |||
| Value At Risk | (2.54) | |||
| Potential Upside | 3.02 | |||
| Downside Variance | 2.18 | |||
| Semi Variance | 1.64 | |||
| Expected Short fall | (1.61) | |||
| Skewness | 0.8649 | |||
| Kurtosis | 2.87 |
| Risk Adjusted Performance | 0.1053 | |||
| Market Risk Adjusted Performance | 0.1608 | |||
| Mean Deviation | 1.34 | |||
| Semi Deviation | 1.28 | |||
| Downside Deviation | 1.48 | |||
| Coefficient Of Variation | 766.92 | |||
| Standard Deviation | 1.83 | |||
| Variance | 3.35 | |||
| Information Ratio | 0.0685 | |||
| Jensen Alpha | 0.0719 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0849 | |||
| Treynor Ratio | 0.1508 | |||
| Maximum Drawdown | 11.34 | |||
| Value At Risk | (2.54) | |||
| Potential Upside | 3.02 | |||
| Downside Variance | 2.18 | |||
| Semi Variance | 1.64 | |||
| Expected Short fall | (1.61) | |||
| Skewness | 0.8649 | |||
| Kurtosis | 2.87 |
Consider Ponce Financial's intraday indicators
Ponce Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Ponce Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Ponce Financial Corporate Filings
8K | 27th of November 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
13A | 14th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
10Q | 8th of August 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
| 26th of April 2024 Other Reports | ViewVerify |
Ponce Stock media impact
Far too much social signal, news, headlines, and media speculation about Ponce Financial that are available to investors today. That information is available publicly through Ponce media outlets and privately through word of mouth or via Ponce internal channels. However, regardless of the origin, that massive amount of Ponce data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Ponce Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Ponce Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Ponce Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Ponce Financial alpha.
Ponce Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Ponce Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Ponce Financial Corporate Management
| David Rodriguez | Chief VP | Profile | |
| Ioannis Kouzilos | Executive Officer | Profile | |
| Elizabeth Macias | Chief VP | Profile | |
| Frank CPA | Executive Officer | Profile |
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Ponce Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of economic analysis. You can also try the Economic Indicators module to top statistical indicators that provide insights into how an economy is performing.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ponce Financial. If investors know Ponce will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ponce Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.18) | Earnings Share 0.37 | Revenue Per Share 3.555 | Quarterly Revenue Growth (0.10) | Return On Assets 0.003 |
The market value of Ponce Financial Group is measured differently than its book value, which is the value of Ponce that is recorded on the company's balance sheet. Investors also form their own opinion of Ponce Financial's value that differs from its market value or its book value, called intrinsic value, which is Ponce Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ponce Financial's market value can be influenced by many factors that don't directly affect Ponce Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
In summary, please note that there is a difference between Ponce Financial's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Ponce Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ponce Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.