Ponce Financial Group, Inc.
General ticker "PDLB" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $357.7M (TTM average)
Ponce Financial Group, Inc. follows the US Stock Market performance with the rate: 59.7%.
Estimated limits based on current volatility of 1.2%: low 19.99$, high 20.45$
Factors to consider:
- Total employees count: 216 (-0.9%) as of 2025
- Top business risk factors: Economic downturns and volatility, Interest rate risk, Strategic risks and growth management, Liquidity and credit risks, Cybersecurity threats
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [14.41$, 19.71$]
- 2026-12-31 to 2027-12-31 estimated range: [14.33$, 20.00$]
Financial Metrics affecting the PDLB estimates:
- Positive: with PPE of 14.1 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 14.54 > 13.08
- Positive: Operating profit margin, % of 36.17 > 18.77
- Negative: Shareholder equity ratio, % of 16.80 <= 18.97
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.88
- Positive: Industry earnings per price (median), % of 7.57 > 4.32
Short-term PDLB quotes
Long-term PDLB plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $76.97MM | $83.89MM | $109.22MM |
| Operating Expenses | $71.12MM | $68.21MM | $69.71MM |
| Operating Income | $5.85MM | $15.69MM | $39.51MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-1.08MM |
| Interest Expense | $60.60MM | $86.16MM | $85.71MM |
| Income(Loss) | $5.85MM | $15.69MM | $38.43MM |
| Taxes | $2.50MM | $4.71MM | $9.73MM |
| Net Income(Loss)* | $3.35MM | $10.97MM | $28.70MM |
| Stockholders Equity | $491.39MM | $505.50MM | $541.55MM |
| Assets | $2,750.72MM | $3,039.94MM | $3,223.97MM |
| Operating Cash Flow | $6.49MM | $7.21MM | $55.59MM |
| Capital expenditure | $0.41MM | $2.72MM | $0.98MM |
| Investing Cash Flow | $-332.91MM | $-294.90MM | $-219.72MM |
| Financing Cash Flow | $411.25MM | $288.33MM | $150.44MM |
| Earnings Per Share** | $0.15 | $0.49 | $1.26 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.