Ponce Financial Group, Inc. (PDLB) 10-Year Financial Performance & Capital Metrics

PDLB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

AboutPonce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.Show more

Net Interest Income $76M +17.2%
Total Revenue $167M +24.4%
Net Income $11M +227.3%
Return on Equity 2.2% +223.1%
Net Interest Margin 2.52% +6.0%
Efficiency Ratio 38.33% -23.1%
ROA 0.38% +186.3%
Equity / Assets 16.63% -6.9%
Book Value per Share 22.41 +4.1%
Tangible BV/Share 22.41 +4.1%
Debt/Equity 1.24 -15.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 38.3% efficiency ratio
✓Well capitalized: 16.6% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y26.09%

3Y29.2%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-24.42%

TTM151.26%

EPS CAGR

10Y-

5Y-

3Y-32.71%

TTM141.65%

ROCE

10Y Avg1.3%

5Y Avg1.93%

3Y Avg-1.04%

Latest1.32%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	27.94M	27.8M	32.21M	36.67M	38.13M	41.97M	58.85M	66.6M	65.27M	76.48M
NII Growth %	-	-0%	0.16%	0.14%	0.04%	0.1%	0.4%	0.13%	-0.02%	0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	33.59M	33.74M	38.99M	46.16M	50.49M	53.34M	67.1M	82.75M	125.87M	162.64M
Interest Expense	5.65M	5.94M	6.78M	9.49M	12.36M	11.37M	8.25M	16.15M	60.6M	86.16M
Loan Loss Provision	353K	-57K	1.72M	1.25M	258K	2.44M	2.72M	24.05M	973K	1.33M
Non-Interest Income+	1.74M	1.57M	2.37M	2.15M	1.99M	7.62M	10.48M	4.37M	8.6M	4.66M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	35.33M	35.31M	41.35M	48.31M	52.48M	60.96M	77.58M	87.12M	134.47M	167.29M
Revenue Growth %	-	-0%	0.17%	0.17%	0.09%	0.16%	0.27%	0.12%	0.54%	0.24%
Non-Interest Expense	25.49M	27M	35.82M	33.77M	45.91M	41.91M	32.98M	83.77M	67.04M	64.12M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.83M	2.43M	-2.96M	3.8M	-6.05M	5.24M	33.62M	-36.85M	5.85M	15.69M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.37%	-2.22%	2.28%	-2.59%	1.87%	5.42%	-2.1%	1.16%	1.68%
Pretax Income+	3.83M	2.43M	-2.96M	3.8M	-6.05M	5.24M	33.62M	-36.85M	5.85M	15.69M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.31M	1M	1.42M	1.12M	-924K	1.38M	8.21M	-6.84M	2.5M	4.71M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.43%	-4.08%	1.61%	-2.91%	1.75%	5.6%	-2.18%	1.11%	2.27%
Net Income (Continuing)	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
EPS (Diluted)+	0.30	0.17	-0.16	0.15	-0.29	0.23	1.51	-1.32	0.15	0.46
EPS Growth %	-	-0.43%	-1.94%	1.94%	-2.93%	1.79%	5.57%	-1.87%	1.11%	2.07%
EPS (Basic)	0.30	0.17	-0.16	0.15	-0.29	0.23	1.52	-1.32	0.15	0.46
Diluted Shares Outstanding	8.31M	8.31M	18.46M	17.81M	17.43M	16.68M	16.79M	22.69M	22.82M	22.55M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	12.69M	11.72M	59.72M	69.78M	27.68M	74.82M	156.38M	55.85M	139.44M	140.09M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	653M	696.98M	827.6M	945.65M	978.27M	1.21B	1.44B	2.14B	2.49B	2.77B
Investments Growth %	-	0.07%	0.19%	0.14%	0.03%	0.24%	0.18%	0.49%	0.16%	0.11%
Long-Term Investments	570.97M	644.29M	798.7M	918.51M	956.77M	1.2B	1.32B	2.01B	2.37B	2.67B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	132K	3K	0	0	0	0	0	0	0	0
PP&E (Net)	27.18M	26.03M	27.17M	31.14M	32.75M	32.05M	19.62M	50.87M	47.33M	45.89M
Other Assets	3.72M	4.17M	3.78M	5.73M	7.36M	19.03M	26.13M	38.65M	44.1M	53.88M
Total Current Assets	97.4M	67.11M	91.96M	100.72M	53.16M	103.71M	282.09M	200.41M	277.35M	262.83M
Total Non-Current Assets	605.76M	677.87M	833.57M	959.18M	1B	1.25B	1.37B	2.11B	2.47B	2.78B
Total Assets+	703.16M	744.98M	925.52M	1.06B	1.05B	1.36B	1.65B	2.31B	2.75B	3.04B
Asset Growth %	-	0.06%	0.24%	0.15%	-0.01%	0.29%	0.22%	0.4%	0.19%	0.11%
Return on Assets (ROA)	0%	0%	-0.01%	0%	-0%	0%	0.02%	-0.02%	0%	0%
Accounts Payable	36K	28K	42K	63K	97K	60K	228K	1.39M	11.96M	3.71M
Total Debt+	8M	6M	36.4M	69.4M	104.4M	148.7M	121.34M	551.91M	717.11M	626.8M
Net Debt	-4.69M	-5.72M	-23.32M	-374K	76.73M	73.88M	-35.04M	496.05M	577.67M	486.71M
Long-Term Debt	8M	3M	16.4M	44.4M	93.38M	29.86M	106.25M	517.38M	684.42M	596.1M
Short-Term Debt	0	3M	20M	25M	11.03M	118.84M	15.09M	0	0	0
Other Liabilities	4.52M	2.86M	10.31M	11.5M	8.81M	17.35M	137.97M	13.58M	22.64M	19.07M
Total Current Liabilities	599.58M	646.13M	734.03M	834.82M	793.17M	1.15B	1.22B	1.25B	1.52B	1.89B
Total Non-Current Liabilities	12.52M	5.86M	26.71M	55.91M	102.19M	47.21M	244.22M	565.49M	739.74M	645.86M
Total Liabilities	612.1M	651.99M	760.74M	890.73M	895.35M	1.2B	1.46B	1.82B	2.26B	2.53B
Total Equity+	91.06M	92.99M	164.78M	169.17M	158.4M	159.54M	189.26M	492.7M	491.39M	505.5M
Equity Growth %	-	0.02%	0.77%	0.03%	-0.06%	0.01%	0.19%	1.6%	-0%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.02%	-0.03%	0.02%	-0.03%	0.02%	0.15%	-0.09%	0.01%	0.02%
Book Value per Share	10.96	11.19	8.93	9.50	9.09	9.56	11.27	21.71	21.53	22.41
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	185K	185K	185K	185K	185K	249K	249K	249K
Additional Paid-in Capital	0	0	84.35M	84.58M	84.78M	85.11M	85.6M	206.51M	207.11M	207.32M
Retained Earnings	97.82M	99.24M	94.86M	98.81M	93.69M	97.54M	122.96M	92.95M	97.42M	107.75M
Accumulated OCI	-370K	-6.25M	-7.85M	-8.13M	20K	135K	-1.46M	-17.86M	-15.65M	-15.3M
Treasury Stock	0	0	0	0	-14.48M	-18.11M	-13.69M	-2K	-9.75M	-7.71M
Preferred Stock	0	0	0	0	0	0	0	225M	225M	225M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.23M	4.34M	8.65M	7.88M	5.05M	-27.5M	18.55M	9.8M	6.49M	7.21M
Operating CF Growth %	-	-0.17%	0.99%	-0.09%	-0.36%	-6.45%	1.67%	-0.47%	-0.34%	0.11%
Net Income	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
Depreciation & Amortization	1.96M	1.81M	1.63M	1.8M	2.22M	2.52M	2.47M	4.27M	4.53M	4.74M
Deferred Taxes	1.09M	126K	-40K	-184K	-2.1M	-932K	1.26M	-7.94M	1.26M	2.17M
Other Non-Cash Items	527K	-37K	7.97M	1.3M	10.33M	-1.83M	-17.67M	42.56M	-1.18M	-189K
Working Capital Changes	-862K	1.02M	2.74M	1.58M	-2.31M	-33.05M	4.28M	-2.02M	-4.49M	-14.03M
Cash from Investing+	-6.19M	-43.89M	-135.9M	-126.61M	-38.67M	-204.6M	-211.14M	-777.06M	-332.91M	-294.9M
Purchase of Investments	0	-25.91M	0	-5M	-34M	-15.37M	-109.88M	-587.31M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	-1M	0	0	0	0
Other Investing	-25.3M	-73M	-156.78M	-122.51M	-40.41M	-204.09M	-109.98M	-229.57M	-393.45M	-401.67M
Cash from Financing+	-2.19M	38.57M	175.26M	128.78M	-8.48M	276.5M	274.4M	667.73M	411.25M	288.33M
Dividends Paid	0	0	0	0	0	0	0	0	0	-588K
Share Repurchases	0	0	0	0	-15.76M	-4.71M	-1.61M	0	-11.01M	0
Stock Issued	0	0	78.19M	0	0	0	4.74M	2K	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	-191K	43.57M	63.67M	95.77M	-27.71M	247.54M	297.14M	46.7M	255.21M	377.24M
Net Change in Cash+	-3.15M	-978K	48.01M	10.05M	-42.1M	44.4M	81.82M	-99.53M	84.83M	649K
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	15.85M	12.69M	11.72M	59.72M	69.78M	27.68M	72.08M	153.89M	54.36M	139.19M
Cash at End	12.69M	11.72M	59.72M	69.78M	27.68M	72.08M	153.89M	54.36M	139.19M	139.84M
Interest Paid	5.66M	5.94M	6.82M	9.47M	12.32M	11.36M	8.08M	14.99M	50.03M	94.41M
Income Taxes Paid	1.6M	1.28M	1.47M	549K	1.18M	531K	5.97M	173K	1.01M	2.18M
Free Cash Flow+	4.95M	3.81M	5.88M	2.12M	1.23M	-29.4M	14.38M	9.31M	6.08M	4.49M
FCF Growth %	-	-0.23%	0.54%	-0.64%	-0.42%	-24.9%	1.49%	-0.35%	-0.35%	-0.26%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	2.77%	1.55%	-3.4%	1.6%	-3.13%	2.42%	14.57%	-8.8%	0.68%	2.2%
Return on Assets (ROA)	0.36%	0.2%	-0.53%	0.27%	-0.48%	0.32%	1.69%	-1.51%	0.13%	0.38%
Net Interest Margin	3.97%	3.73%	3.48%	3.46%	3.62%	3.1%	3.56%	2.88%	2.37%	2.52%
Efficiency Ratio	72.16%	76.47%	86.61%	69.91%	87.49%	68.76%	42.52%	96.16%	49.86%	38.33%
Equity / Assets	12.95%	12.48%	17.8%	15.96%	15.03%	11.77%	11.45%	21.31%	17.86%	16.63%
Book Value / Share	10.96	11.19	8.93	9.5	9.09	9.56	11.27	21.71	21.53	22.41
NII Growth	-	-0.48%	15.83%	13.85%	4%	10.06%	40.21%	13.18%	-2.01%	17.18%

Revenue by Segment

	2020	2021
Ponce Bank	-	58.63M
Ponce Bank Growth	-	-
P D L Community Bancorp	239K	158K
P D L Community Bancorp Growth	-	-33.89%
Mortgage World	-	56K
Mortgage World Growth	-	-

Frequently Asked Questions

Valuation & Price

Ponce Financial Group, Inc. (PDLB) has a price-to-earnings (P/E) ratio of 35.8x. This suggests investors expect higher future growth.

Growth & Financials

Ponce Financial Group, Inc. (PDLB) grew revenue by 24.4% over the past year. This is strong growth.

Yes, Ponce Financial Group, Inc. (PDLB) is profitable, generating $21.5M in net income for fiscal year 2024 (6.6% net margin).

Dividend & Returns

Yes, Ponce Financial Group, Inc. (PDLB) pays a dividend with a yield of 0.16%. This makes it attractive for income-focused investors.

Ponce Financial Group, Inc. (PDLB) has a return on equity (ROE) of 2.2%. This is below average, suggesting room for improvement.

Industry Metrics

Ponce Financial Group, Inc. (PDLB) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

Ponce Financial Group, Inc. (PDLB) has an efficiency ratio of 38.3%. This is excellent, indicating strong cost control.

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Ponce Financial Group, Inc. (PDLB) 10-Year Financial Performance & Capital Metrics

PDLB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingNortheast Community Banks

Net Interest Income $76M +17.2%
Total Revenue $167M +24.4%
Net Income $11M +227.3%
Return on Equity 2.2% +223.1%
Net Interest Margin 2.52% +6.0%
Efficiency Ratio 38.33% -23.1%
ROA 0.38% +186.3%
Equity / Assets 16.63% -6.9%
Book Value per Share 22.41 +4.1%
Tangible BV/Share 22.41 +4.1%
Debt/Equity 1.24 -15.0%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 38.3% efficiency ratio
✓Well capitalized: 16.6% equity/assets
✓Trading at only 0.7x book value

✗Weaknesses

No significant weaknesses identified

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y26.09%

3Y29.2%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-24.42%

TTM151.26%

EPS CAGR

10Y-

5Y-

3Y-32.71%

TTM141.65%

ROCE

10Y Avg1.3%

5Y Avg1.93%

3Y Avg-1.04%

Latest1.32%

Peer Comparison

Northeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
DCOMDime Community Bancshares, Inc.	1.37B	31.13	56.60	0.1%	4.5%	4.02%	6.79%	0.70
EBCEastern Bankshares, Inc.	4.4B	19.56	29.64	91.64%	11.17%	1.3%	6.14%	0.01
LYGLloyds Banking Group plc	80.5B	5.48	21.92	10.79%	11.75%	9.93%		1.76
CFGCitizens Financial Group, Inc.	26.03B	60.61	20.00	1.31%	12.22%	6.6%	7.22%	0.51
PFSProvident Financial Services, Inc.	2.65B	20.29	19.32	63.91%	10.13%	7.51%	16.04%	0.93
CBUCommunity Bank System, Inc.	3.3B	62.73	18.24	24.44%	19.4%	10.34%	6.71%	0.57
VLYValley National Bancorp	6.7B	12.02	17.42	6.51%	10.65%	6.53%	8.18%	0.50
INDBIndependent Bank Corp.	3.8B	76.62	16.95	6.89%	19.72%	7.76%	5.51%	0.23

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	27.94M	27.8M	32.21M	36.67M	38.13M	41.97M	58.85M	66.6M	65.27M	76.48M
NII Growth %	-	-0%	0.16%	0.14%	0.04%	0.1%	0.4%	0.13%	-0.02%	0.17%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	33.59M	33.74M	38.99M	46.16M	50.49M	53.34M	67.1M	82.75M	125.87M	162.64M
Interest Expense	5.65M	5.94M	6.78M	9.49M	12.36M	11.37M	8.25M	16.15M	60.6M	86.16M
Loan Loss Provision	353K	-57K	1.72M	1.25M	258K	2.44M	2.72M	24.05M	973K	1.33M
Non-Interest Income+	1.74M	1.57M	2.37M	2.15M	1.99M	7.62M	10.48M	4.37M	8.6M	4.66M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	35.33M	35.31M	41.35M	48.31M	52.48M	60.96M	77.58M	87.12M	134.47M	167.29M
Revenue Growth %	-	-0%	0.17%	0.17%	0.09%	0.16%	0.27%	0.12%	0.54%	0.24%
Non-Interest Expense	25.49M	27M	35.82M	33.77M	45.91M	41.91M	32.98M	83.77M	67.04M	64.12M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	3.83M	2.43M	-2.96M	3.8M	-6.05M	5.24M	33.62M	-36.85M	5.85M	15.69M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-0.37%	-2.22%	2.28%	-2.59%	1.87%	5.42%	-2.1%	1.16%	1.68%
Pretax Income+	3.83M	2.43M	-2.96M	3.8M	-6.05M	5.24M	33.62M	-36.85M	5.85M	15.69M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	1.31M	1M	1.42M	1.12M	-924K	1.38M	8.21M	-6.84M	2.5M	4.71M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	-0.43%	-4.08%	1.61%	-2.91%	1.75%	5.6%	-2.18%	1.11%	2.27%
Net Income (Continuing)	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
EPS (Diluted)+	0.30	0.17	-0.16	0.15	-0.29	0.23	1.51	-1.32	0.15	0.46
EPS Growth %	-	-0.43%	-1.94%	1.94%	-2.93%	1.79%	5.57%	-1.87%	1.11%	2.07%
EPS (Basic)	0.30	0.17	-0.16	0.15	-0.29	0.23	1.52	-1.32	0.15	0.46
Diluted Shares Outstanding	8.31M	8.31M	18.46M	17.81M	17.43M	16.68M	16.79M	22.69M	22.82M	22.55M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	12.69M	11.72M	59.72M	69.78M	27.68M	74.82M	156.38M	55.85M	139.44M	140.09M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	653M	696.98M	827.6M	945.65M	978.27M	1.21B	1.44B	2.14B	2.49B	2.77B
Investments Growth %	-	0.07%	0.19%	0.14%	0.03%	0.24%	0.18%	0.49%	0.16%	0.11%
Long-Term Investments	570.97M	644.29M	798.7M	918.51M	956.77M	1.2B	1.32B	2.01B	2.37B	2.67B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	0	0	0	0	0	0
Intangible Assets	132K	3K	0	0	0	0	0	0	0	0
PP&E (Net)	27.18M	26.03M	27.17M	31.14M	32.75M	32.05M	19.62M	50.87M	47.33M	45.89M
Other Assets	3.72M	4.17M	3.78M	5.73M	7.36M	19.03M	26.13M	38.65M	44.1M	53.88M
Total Current Assets	97.4M	67.11M	91.96M	100.72M	53.16M	103.71M	282.09M	200.41M	277.35M	262.83M
Total Non-Current Assets	605.76M	677.87M	833.57M	959.18M	1B	1.25B	1.37B	2.11B	2.47B	2.78B
Total Assets+	703.16M	744.98M	925.52M	1.06B	1.05B	1.36B	1.65B	2.31B	2.75B	3.04B
Asset Growth %	-	0.06%	0.24%	0.15%	-0.01%	0.29%	0.22%	0.4%	0.19%	0.11%
Return on Assets (ROA)	0%	0%	-0.01%	0%	-0%	0%	0.02%	-0.02%	0%	0%
Accounts Payable	36K	28K	42K	63K	97K	60K	228K	1.39M	11.96M	3.71M
Total Debt+	8M	6M	36.4M	69.4M	104.4M	148.7M	121.34M	551.91M	717.11M	626.8M
Net Debt	-4.69M	-5.72M	-23.32M	-374K	76.73M	73.88M	-35.04M	496.05M	577.67M	486.71M
Long-Term Debt	8M	3M	16.4M	44.4M	93.38M	29.86M	106.25M	517.38M	684.42M	596.1M
Short-Term Debt	0	3M	20M	25M	11.03M	118.84M	15.09M	0	0	0
Other Liabilities	4.52M	2.86M	10.31M	11.5M	8.81M	17.35M	137.97M	13.58M	22.64M	19.07M
Total Current Liabilities	599.58M	646.13M	734.03M	834.82M	793.17M	1.15B	1.22B	1.25B	1.52B	1.89B
Total Non-Current Liabilities	12.52M	5.86M	26.71M	55.91M	102.19M	47.21M	244.22M	565.49M	739.74M	645.86M
Total Liabilities	612.1M	651.99M	760.74M	890.73M	895.35M	1.2B	1.46B	1.82B	2.26B	2.53B
Total Equity+	91.06M	92.99M	164.78M	169.17M	158.4M	159.54M	189.26M	492.7M	491.39M	505.5M
Equity Growth %	-	0.02%	0.77%	0.03%	-0.06%	0.01%	0.19%	1.6%	-0%	0.03%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.03%	0.02%	-0.03%	0.02%	-0.03%	0.02%	0.15%	-0.09%	0.01%	0.02%
Book Value per Share	10.96	11.19	8.93	9.50	9.09	9.56	11.27	21.71	21.53	22.41
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	185K	185K	185K	185K	185K	249K	249K	249K
Additional Paid-in Capital	0	0	84.35M	84.58M	84.78M	85.11M	85.6M	206.51M	207.11M	207.32M
Retained Earnings	97.82M	99.24M	94.86M	98.81M	93.69M	97.54M	122.96M	92.95M	97.42M	107.75M
Accumulated OCI	-370K	-6.25M	-7.85M	-8.13M	20K	135K	-1.46M	-17.86M	-15.65M	-15.3M
Treasury Stock	0	0	0	0	-14.48M	-18.11M	-13.69M	-2K	-9.75M	-7.71M
Preferred Stock	0	0	0	0	0	0	0	225M	225M	225M

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.23M	4.34M	8.65M	7.88M	5.05M	-27.5M	18.55M	9.8M	6.49M	7.21M
Operating CF Growth %	-	-0.17%	0.99%	-0.09%	-0.36%	-6.45%	1.67%	-0.47%	-0.34%	0.11%
Net Income	2.52M	1.43M	-4.39M	2.68M	-5.13M	3.85M	25.41M	-30M	3.35M	10.97M
Depreciation & Amortization	1.96M	1.81M	1.63M	1.8M	2.22M	2.52M	2.47M	4.27M	4.53M	4.74M
Deferred Taxes	1.09M	126K	-40K	-184K	-2.1M	-932K	1.26M	-7.94M	1.26M	2.17M
Other Non-Cash Items	527K	-37K	7.97M	1.3M	10.33M	-1.83M	-17.67M	42.56M	-1.18M	-189K
Working Capital Changes	-862K	1.02M	2.74M	1.58M	-2.31M	-33.05M	4.28M	-2.02M	-4.49M	-14.03M
Cash from Investing+	-6.19M	-43.89M	-135.9M	-126.61M	-38.67M	-204.6M	-211.14M	-777.06M	-332.91M	-294.9M
Purchase of Investments	0	-25.91M	0	-5M	-34M	-15.37M	-109.88M	-587.31M	0	0
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	0	0	0	-1M	0	0	0	0
Other Investing	-25.3M	-73M	-156.78M	-122.51M	-40.41M	-204.09M	-109.98M	-229.57M	-393.45M	-401.67M
Cash from Financing+	-2.19M	38.57M	175.26M	128.78M	-8.48M	276.5M	274.4M	667.73M	411.25M	288.33M
Dividends Paid	0	0	0	0	0	0	0	0	0	-588K
Share Repurchases	0	0	0	0	-15.76M	-4.71M	-1.61M	0	-11.01M	0
Stock Issued	0	0	78.19M	0	0	0	4.74M	2K	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K	1000K	-1000K
Other Financing	-191K	43.57M	63.67M	95.77M	-27.71M	247.54M	297.14M	46.7M	255.21M	377.24M
Net Change in Cash+	-3.15M	-978K	48.01M	10.05M	-42.1M	44.4M	81.82M	-99.53M	84.83M	649K
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	15.85M	12.69M	11.72M	59.72M	69.78M	27.68M	72.08M	153.89M	54.36M	139.19M
Cash at End	12.69M	11.72M	59.72M	69.78M	27.68M	72.08M	153.89M	54.36M	139.19M	139.84M
Interest Paid	5.66M	5.94M	6.82M	9.47M	12.32M	11.36M	8.08M	14.99M	50.03M	94.41M
Income Taxes Paid	1.6M	1.28M	1.47M	549K	1.18M	531K	5.97M	173K	1.01M	2.18M
Free Cash Flow+	4.95M	3.81M	5.88M	2.12M	1.23M	-29.4M	14.38M	9.31M	6.08M	4.49M
FCF Growth %	-	-0.23%	0.54%	-0.64%	-0.42%	-24.9%	1.49%	-0.35%	-0.35%	-0.26%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	2.77%	1.55%	-3.4%	1.6%	-3.13%	2.42%	14.57%	-8.8%	0.68%	2.2%
Return on Assets (ROA)	0.36%	0.2%	-0.53%	0.27%	-0.48%	0.32%	1.69%	-1.51%	0.13%	0.38%
Net Interest Margin	3.97%	3.73%	3.48%	3.46%	3.62%	3.1%	3.56%	2.88%	2.37%	2.52%
Efficiency Ratio	72.16%	76.47%	86.61%	69.91%	87.49%	68.76%	42.52%	96.16%	49.86%	38.33%
Equity / Assets	12.95%	12.48%	17.8%	15.96%	15.03%	11.77%	11.45%	21.31%	17.86%	16.63%
Book Value / Share	10.96	11.19	8.93	9.5	9.09	9.56	11.27	21.71	21.53	22.41
NII Growth	-	-0.48%	15.83%	13.85%	4%	10.06%	40.21%	13.18%	-2.01%	17.18%

Revenue by Segment

	2020	2021
Ponce Bank	-	58.63M
Ponce Bank Growth	-	-
P D L Community Bancorp	239K	158K
P D L Community Bancorp Growth	-	-33.89%
Mortgage World	-	56K
Mortgage World Growth	-	-

Frequently Asked Questions

Valuation & Price

Ponce Financial Group, Inc. (PDLB) has a price-to-earnings (P/E) ratio of 35.8x. This suggests investors expect higher future growth.

Growth & Financials

Ponce Financial Group, Inc. (PDLB) grew revenue by 24.4% over the past year. This is strong growth.

Yes, Ponce Financial Group, Inc. (PDLB) is profitable, generating $21.5M in net income for fiscal year 2024 (6.6% net margin).

Dividend & Returns

Yes, Ponce Financial Group, Inc. (PDLB) pays a dividend with a yield of 0.16%. This makes it attractive for income-focused investors.

Ponce Financial Group, Inc. (PDLB) has a return on equity (ROE) of 2.2%. This is below average, suggesting room for improvement.

Industry Metrics

Ponce Financial Group, Inc. (PDLB) has a net interest margin (NIM) of 2.5%. NIM has been under pressure due to interest rate environment.

Ponce Financial Group, Inc. (PDLB) has an efficiency ratio of 38.3%. This is excellent, indicating strong cost control.