A Business at a Glance
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Ponce Financial Group, Inc. Ponce Financial Group, Inc. (hereafter referred to as “we,” “our,” “us,” “Ponce Financial Group, Inc.,” or the “Company”), is the holding company of Ponce Bank (“Ponce Bank” or the “Bank”), a federally chartered stock savings association. The Company is authorized to pursue other business activities permitted by applicable laws and regulations for savings and loan holding companies, which may include the acquisition of banking and financial services companies. The Company’s cash flow is dependent on earnings from investments and any dividends received from Ponce Bank. Ponce Financial Group, Inc. does not own nor lease any property, but instead uses the premises, equipment and furniture of Ponce Bank. At the present time, the Company employs only persons who are officers of Ponce Bank to serve as officers of Ponce Financial Group, Inc. It uses the support staff of Ponce Bank from time to time.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 101M | 84M | 75M | 73M | 93M | 55M |
| Net Income | 22M | 10M | 3.4M | -30M | 25M | 3.9M |
| EPS | $0.89 | $0.46 | $0.15 | $-1.32 | $1.51 | $0.23 |
| Free Cash Flow | 42M | 4.5M | 6.1M | 9.3M | 14M | -29M |
| ROIC | 1.9% | 0.9% | 0.3% | -3.0% | 13.4% | 1.5% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.98 | 1.18 | 1.39 | 1.05 | 7.74 | 7.49 |
| Dividends/Share | $0.05 | $0.03 | - | - | - | - |
| Operating Income | 1.8M | 2.8M | 1.0M | -21M | 1.9M | 1.8M |
| Operating Margin | 1.8% | 3.3% | 1.4% | -28.3% | 2.0% | 3.3% |
| ROE | 4.1% | 2.1% | 0.7% | -6.1% | 13.4% | 2.4% |
| Shares Outstanding | 24M | 22M | 22M | 23M | 17M | 17M |
| Metric | 2020 | 2021 | 2022 | |||
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 55M | 93M | 73M | 75M | 84M | 101M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | N/A | N/A | N/A | N/A | N/A | N/A |
| EBIT | 1.8M | 1.9M | -21M | 1.0M | 2.8M | 1.8M |
| Op. Margin | 3.3% | 2.0% | -28.3% | 1.4% | 3.3% | 1.8% |
| Net Income | 3.9M | 25M | -30M | 3.4M | 10M | 22M |
| Net Margin | 7.0% | 27.2% | -41.1% | 4.4% | 12.3% | 21.4% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 1.5% | 13.4% | -3.0% | 0.3% | 0.9% | 1.9% |
| ROE | 2.4% | 13.4% | -6.1% | 0.7% | 2.1% | 4.1% |
| ROA | 0.3% | 1.5% | -1.3% | 0.1% | 0.4% | 65.6% |
| Cash Flow | ||||||
| Op. Cash Flow | -28M | 19M | 9.8M | 6.5M | 7.2M | 44M |
| Free Cash Flow | -29M | 14M | 9.3M | 6.1M | 4.5M | 42M |
| Owner Earnings | -31M | 15M | 4.0M | 81K | 401K | 37M |
| CapEx | 1.9M | 4.2M | 492K | 411K | 2.7M | 1.5M |
| Maint. CapEx | 2.5M | 2.5M | 4.3M | 4.5M | 4.7M | 4.7M |
| Growth CapEx | 0 | 1.7M | 0 | 0 | 0 | 0 |
| D&A | 2.5M | 2.5M | 4.3M | 4.5M | 4.7M | 4.7M |
| CapEx/OCF | N/A | 22.5% | 5.0% | 6.3% | 37.7% | 3.4% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 588K | 1.1M |
| Dividend Yield | N/A | N/A | N/A | N/A | 0.3% | 0.3% |
| Share Buybacks | 4.7M | 1.6M | 0 | 11M | 0 | 0 |
| Buyback Yield | 3.8% | 0.9% | N/A | 5.0% | N/A | 0.0% |
| Stock-Based Comp | 1.4M | 1.4M | 1.6M | 1.9M | 2.1M | 2.1M |
| Debt Repayment | 0 | 0 | 411M | 167M | 88M | 88M |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | 463M | 545M | 456M | 375M |
| Cash & Equiv. | N/A | N/A | N/A | N/A | N/A | 147M |
| Long-Term Debt | N/A | N/A | 517M | 684M | 596M | 596M |
| Debt/Equity | 7.49 | 7.74 | 1.05 | 1.39 | 1.18 | 0.98 |
| Interest Coverage | 0.2 | 0.2 | -1.3 | 0.1 | 0.1 | 0.1 |
| Equity | 160M | 189M | 493M | 491M | 505M | 530M |
| Total Assets | 1.4B | 1.7B | 2.3B | 2.8B | 3.0B | 33M |
| Total Liabilities | 1.2B | 1.5B | 1.8B | 2.3B | 2.5B | 8.7M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 98M | 123M | 93M | 97M | 108M | 108M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | 0.23 | 1.51 | -1.32 | 0.15 | 0.46 | 0.89 |
| Owner EPS | -1.88 | 0.87 | 0.17 | 0.00 | 0.02 | 1.53 |
| Book Value | 9.52 | 11.24 | 21.68 | 21.99 | 22.50 | 22.08 |
| Cash Flow/Share | -1.64 | 1.10 | 0.43 | 0.29 | 0.32 | 1.09 |
| Dividends/Share | N/A | N/A | N/A | N/A | 0.03 | 0.05 |
| Shares Out. | 16.8M | 16.8M | 22.7M | 22.3M | 22.5M | 24.0M |
| Valuation | ||||||
| P/E Ratio | 32.4 | 7.0 | N/A | 66.2 | 27.7 | 19.8 |
| P/FCF | N/A | 12.4 | 22.6 | 36.5 | 63.8 | 10.1 |
| EV/EBIT | N/A | N/A | N/A | 739.0 | 265.0 | 437.2 |
| Price/Book | 0.8 | 0.9 | 0.4 | 0.5 | 0.6 | 0.8 |
| Price/Sales | 2.3 | 1.7 | 3.1 | 2.5 | 2.7 | 4.2 |
| FCF Yield | -23.6% | 8.1% | 4.4% | 2.7% | 1.6% | 10.0% |
| Market Cap | 125M | 178M | 210M | 222M | 287M | 422M |
| Avg. Price | 7.52 | 9.17 | 9.82 | 8.52 | 10.07 | 17.60 |
| Year-End Price | 7.44 | 10.56 | 9.26 | 9.93 | 12.76 | 17.60 |
Ponce Financial Group, Inc. passes 2 of 9 quality checks, indicating weak fundamentals.
Ponce Financial Group, Inc. trades at 19.8x trailing earnings, compared to its 15-year median P/E of 30.0x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 10.1x vs a median of 29.5x. The company's 5-year average ROIC is 2.6%. Total shareholder yield (dividends) is 0.3%. At current prices, the estimated annualized return to fair value is -6.0%.
Ponce Financial Group, Inc. (PDLB) has a current P/E ratio of 19.8, compared to its historical median P/E of 30.0. The stock is currently considered Fair based on its historical valuation range.
Ponce Financial Group, Inc. (PDLB) has a 5-year average return on invested capital (ROIC) of 2.6%. This is below average and may indicate limited pricing power.
Ponce Financial Group, Inc. (PDLB) has a market capitalization of $422M. It is classified as a small-cap stock.
Yes, Ponce Financial Group, Inc. (PDLB) pays a dividend with a trailing twelve-month yield of 0.27%.
Based on historical P/E analysis, Ponce Financial Group, Inc. (PDLB) appears fair. The current P/E of 19.8 is 34% below its historical median of 30.0. The estimated fair value CAGR (P/E method) is 13.1%.
Ponce Financial Group, Inc. (PDLB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
Ponce Financial Group, Inc. (PDLB) reported annual revenue of $84 million in its most recent fiscal year, based on SEC EDGAR filings.
Ponce Financial Group, Inc. (PDLB) has a net profit margin of 12.3%. This is a healthy margin.
Ponce Financial Group, Inc. (PDLB) generated $4 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Ponce Financial Group, Inc. (PDLB) has a debt-to-equity ratio of 1.18. This indicates moderate leverage.
Ponce Financial Group, Inc. (PDLB) reported earnings per share (EPS) of $0.46 in its most recent fiscal year.
Ponce Financial Group, Inc. (PDLB) has a return on equity (ROE) of 2.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 5 years of financial data for Ponce Financial Group, Inc. (PDLB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Ponce Financial Group, Inc. (PDLB) has a book value per share of $22.50, based on its most recent annual SEC filing.
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