YOLFTbeta
Ponce Financial Group Inc

Ponce Financial Group Inc

PDLB · NASDAQ · Financial Services / Banks - Regional

22.18USD-0.02 (-0.09%)

Price History

Full chart

Market Stats

Previous Close22.20
Open22.26
Day Range22.06 – 22.30
52-Week Range13.91 – 21.10
Volume59.85K
Market Cap491.98M
P/E (TTM)14.43
Forward P/E49.26
EPS1.41
Dividend Yield0.00%
Beta0.53
50-Day Avg20.34
200-Day Avg18.20

About

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It provides various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also offers real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Carlos P. Naudon
  • Employees229
  • Headquarters2244 Westchester Avenue, Bronx, NY, United States, 10462, USA
  • Websitehttps://www.poncebank.com

Leadership

  • Mr. Steven A. TsavarisExecutive Chairman of the Board · b. 1950
  • Mr. Carlos P. NaudonPresident, CEO & Director · b. 1951
  • Mr. Sergio J. VaccaroExecutive VP & CFO · b. 1977
  • Mr. Luis Gerardo Gonzalez Jr.Executive VP & COO · b. 1984
  • Mr. Frank Perez CPAExecutive VP & Chief Investor Relations Officer · b. 1968
  • Ms. Melissa Antonia DeLeonExecutive VP & Chief Human Resources Officer · b. 1988
  • Ms. Madeline V. MarquezExecutive VP & Chief External Affairs Officer · b. 1958
  • Mr. David RodriguezChief Relationship Manager & Senior VP · b. 1956
  • Mr. Michael LagoudisSenior Vice President
  • Ms. Betty Yolainy CampizExecutive VP & Chief Banking Officer · b. 1988

Financials

Income Statement

Currency: USD2014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue-35.33M35.31M41.35M48.31M52.48M60.96M77.58M87.12M134.47M167.29M194.31M
Growth (%)---0.04%+17.11%+16.81%+8.64%+16.16%+27.25%+12.30%+54.35%+24.41%+16.15%
Cost of Revenue-6.00M5.88M8.50M10.74M12.62M13.81M10.97M40.20M61.57M87.49M88.42M
Gross Profit-29.32M29.43M32.85M37.57M39.87M47.15M66.61M46.92M72.89M79.80M105.89M
Gross Margin-83.01%83.35%79.45%77.77%75.96%77.34%85.86%53.86%54.21%47.70%54.50%
Operating Expense-25.49M27.00M35.82M33.77M45.91M41.91M32.98M83.77M67.04M64.12M66.38M
Operating Income-3.83M2.43M-2.96M3.80M-6.05M5.24M33.62M-36.85M5.85M15.69M39.51M
Operating Margin-10.85%6.88%-7.16%7.86%-11.53%8.59%43.34%-42.29%4.35%9.38%20.33%
EBITDA-5.79M4.24M-1.33M5.60M-3.83M7.75M36.10M-32.58M10.38M20.42M43.03M
EBITDA Margin-16.40%12.00%-3.23%11.58%-7.29%12.72%46.53%-37.40%7.72%12.21%22.15%
Net Income2.54M2.52M1.43M-4.39M2.68M-5.13M3.85M25.41M-30.00M3.35M10.97M28.70M
Net Income Margin-7.13%4.04%-10.61%5.54%-9.77%6.32%32.76%-34.44%2.49%6.56%14.77%
R&D---00-------
R&D as % of Total Revenue---0.00%0.00%-------
Interest Expense05.65M5.94M6.78M9.49M12.36M11.37M8.25M16.15M60.60M86.16M85.71M
Interest Expense % of Total Revenue-15.99%16.81%16.40%19.65%23.55%18.65%10.64%18.54%45.07%51.50%44.11%

Balance Sheet

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets703.16M744.98M925.52M1.06B1.05B1.36B1.65B2.31B2.75B3.04B3.22B
Total Liabilities612.10M651.99M760.74M890.73M895.35M1.20B1.46B1.82B2.26B2.53B2.68B
Total Equity91.06M92.99M164.78M169.17M158.40M159.54M189.26M492.70M491.39M505.50M541.55M
Cash12.69M11.72M59.72M69.78M27.68M74.82M156.38M55.85M139.44M140.09M126.40M
Total Debt8.00M6.00M36.40M69.40M104.40M148.70M121.34M551.91M717.11M626.80M625.45M
Net Debt-4.69M-5.72M-23.32M-374.00K76.73M73.88M-35.04M496.05M577.67M486.71M499.05M

Cash Flow

Currency: USD2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.23M4.34M8.65M7.88M5.05M-27.50M18.55M9.80M6.49M7.21M55.59M
Investing Cash Flow-6.19M-43.89M-135.90M-126.61M-38.67M-204.60M-211.14M-777.06M-332.91M-294.90M-219.72M
Financing Cash Flow-2.19M38.57M175.26M128.78M-8.48M276.50M274.40M667.73M411.25M288.33M150.44M
Capital Expenditure276.00K530.00K2.77M5.76M3.82M1.90M4.17M492.00K411.00K2.72M978.00K
Free Cash Flow4.95M3.81M5.88M2.12M1.23M-29.40M14.38M9.31M6.08M4.49M54.62M
Dividends Paid--0---186.64M0156.04M588.00K1.13M
FCF to OCF94.72%87.80%67.97%26.94%24.38%106.92%77.52%94.98%93.67%62.31%98.24%
Dividend Paid to FCF--0.00%---1297.71%0.00%2565.55%13.08%2.06%

Earnings

Report DateAug 10, 2017Nov 13, 2017May 9, 2018Aug 8, 2018Nov 13, 2018Mar 20, 2019May 7, 2019Aug 2, 2019Oct 30, 2019Feb 28, 2020May 1, 2020Jul 31, 2020Nov 2, 2020Mar 8, 2021Apr 30, 2021Aug 5, 2021Nov 2, 2021Mar 2, 2022May 9, 2022Jul 29, 2022Oct 31, 2022Jan 30, 2023Apr 26, 2023Jul 28, 2023Oct 30, 2023Jan 30, 2024Apr 30, 2024Jul 30, 2024Oct 30, 2024Jan 28, 2025Apr 25, 2025Jul 25, 2025Oct 24, 2025Jan 27, 2026Apr 24, 2026Jul 27, 2026Oct 23, 2026
EPS Estimate0.000.040.040.030.030.020.020.030.040.040.040.06-0.010.120.110.090.090.680.060.050.04-0.04-0.08-0.10-0.07-0.01-0.030.010.070.090.090.170.220.280.270.379.40
EPS Actual0.030.050.040.030.010.030.030.040.030.01-0.05-0.02-0.030.070.110.250.090.640.290.030.10-0.420.01-0.000.120.010.110.140.100.120.250.250.270.420.360.35-
Surprise-25.00%0.00%0.00%-66.67%50.00%50.00%33.33%-25.00%-75.00%-225.00%-133.33%-200.00%-41.67%0.00%177.78%0.00%-5.88%383.33%-40.00%150.00%-950.00%112.50%96.30%271.43%200.00%466.67%1300.00%42.86%33.33%177.78%47.06%22.73%50.00%33.33%-5.41%-
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-market--

Key Statistics & Ratios

Market Cap491.98M
Enterprise Value1.23B
Trailing P/E14.43
Forward P/E49.26
Price / Sales4.32
Price / Book1.45
EPS1.41
Book Value13.89
Revenue (TTM)113.76M
Gross Profit (TTM)113.76M
Profit Margin29.68%
Operating Margin39.79%
Return on Equity6.24%
Return on Assets1.02%
Shares Outstanding24.19M
Shares Float19.21M
Beta0.53
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 24.00
  • Strong Buy
    1

Ownership Breakdown

Institutions
48.73%
Insiders
18.19%
Retail / Other
33.08%

Top Institutional Holders

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    2.00M8.29%
  • T. Rowe Price Investment Management,Inc.
    1.91M7.88%
  • BlackRock Inc
    1.62M6.70%
  • Dimensional Fund Advisors, Inc.
    954.54K3.95%
  • Vanguard Capital Management, LLC
    870.37K3.60%
  • Bank of America Corp
    504.56K2.09%
  • Geode Capital Management, LLC
    463.31K1.92%
  • State Street Corp
    338.92K1.40%
  • AllianceBernstein L.P.
    289.03K1.19%
  • Empirical Finance, LLC
    247.39K1.02%
  • Renaissance Technologies Corp
    242.13K1.00%
  • American Century Companies Inc
    234.91K0.97%
  • Mangrove Partners
    191.34K0.79%
  • First Pacific Advisors, LP
    181.56K0.75%

Top Fund Holders

  • T. Rowe Price Small-Cap Value
    1.10M4.54%
  • Vanguard MStar Total Stk Mkt Idx Invest
    621.85K2.57%
  • iShares Russell 2000 ETF
    502.39K2.08%
  • Avantis US Small Cap Value ETF
    306.80K1.27%
  • Fidelity Small Cap Index
    207.20K0.86%
  • iShares Russell 2000 Value ETF
    192.57K0.80%

Stock Splits

  • Jan 28, 20221395:1000