Ponce Financial Group, Inc. (PDLB)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 50 | 69 | 71 | 74 | 81 | 109 | 120 | - |
| Operating profit | $m | 40 | 46 | ||||||
| Net profit | $m | 4 | 25 | -30 | 3 | 11 | 29 | 34 | 38 |
| EPS reported | $ | 1.19 | 1.40 | ||||||
| Operating cashflow per share | $ | 2.43 | 2.53 | ||||||
| Capex per share | $ | 0.04 | 0.02 | ||||||
| FCF per share | $ | 2.39 | 2.54 | ||||||
| Free cash flow | $m | 55 | 59 | ||||||
| Net debt | $m | 378 | 142 | ||||||
| Book value equity | $m | 542 | 561 | ||||||
| Book value per share | $ | 23.28 | 23.86 | ||||||
| Number of shares | m | 23.26 | 23.51 | ||||||
| DPS (TTM paid) | $ | 0.05 | 0.05 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.74 | 14.44 | ||||||
| P/B LTM | x | 0.69 | 0.67 | ||||||
| P/S LTM | x | 3.44 | 3.11 | ||||||
| P/FCF LTM | x | 6.84 | 6.37 | ||||||
| EV/EBITDA LTM | x | 20.27 | 17.10 | ||||||
| EV/Sales LTM | x | 4.49 | 4.95 | ||||||
| Earnings Yield LTM | % | +7.28% | +6.93% | ||||||
| FCF Yield | % | +14.63% | +15.71% | ||||||
| Quality | |||||||||
| ROE | % | +5.30% | +6.18% | ||||||
| ROIC | % | +2.51% | +2.84% | ||||||
| Operating margin | % | +20.33% | +22.60% | ||||||
| Gross margin | % | +54.50% | +56.15% | ||||||
| FCF/Sales | % | +28.11% | +28.68% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +158.70% | +204.35% | ||||||
| Sales Growth YoY | % | +33.84% | +47.91% | ||||||
| Net Income Growth YoY | % | +161.60% | +207.71% | ||||||
| FCF Growth | % | +1115.3% | +1205.1% | ||||||
| Operating Profit Growth | % | +151.89% | +194.64% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.30% | 0.00% | ||||||
| Dividend Growth | % | +85.47% | +83.54% | ||||||
| Payout Ratio | % | +4.06% | +3.45% | ||||||
| FCF/Debt | x | 0.09 | 0.09 | ||||||
| Net Debt/EBITDA | x | 11.60 | 10.00 | ||||||
| EBIT/Net interest | x | 0.46 | 0.55 | ||||||
| Net debt/market cap | % | +1.60% | +1.24% | ||||||
| Net debt/Equity | x | 0.70 | 0.25 | ||||||
| Gross debt/equity | x | 1.15 | 1.16 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jersey—one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Ponce Financial Group, Inc. (PDLB)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jersey—one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.
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