Ponce Financial Group, Inc./$PDLB
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About Ponce Financial Group, Inc.
Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, which consists of securities issued by the U.S. Government and federal agencies and mortgage-backed securities issued by the United States government-sponsored enterprises. Some of the products and services include checking solutions, online and mobile banking, merchant credit card services, and others.
Ticker
$PDLB
Sector
Primary listing
Industry
Banks
Headquarters
Employees
218
ISIN
US7323441060
Website
PDLB Metrics
BasicAdvanced
$318M
23.26
$0.60
0.51
-
Price and volume
Market cap
$318M
Beta
0.51
52-week high
$14.05
52-week low
$10.88
Average daily volume
39K
Financial strength
Dividend payout ratio (TTM)
5.99%
Profitability
Net profit margin (TTM)
16.75%
Operating margin (TTM)
24.92%
Effective tax rate (TTM)
27.07%
Revenue per employee (TTM)
$400,000
Management effectiveness
Return on assets (TTM)
0.49%
Return on equity (TTM)
2.88%
Valuation
Price to earnings (TTM)
23.257
Price to revenue (TTM)
3.631
Price to book
1.1
Price to tangible book (TTM)
1.1
Price to free cash flow (TTM)
18.652
Free cash flow yield (TTM)
5.36%
Free cash flow per share (TTM)
74.95%
Growth
Revenue change (TTM)
18.40%
Earnings per share change (TTM)
148.96%
3-year revenue growth (CAGR)
-2.31%
3-year earnings per share growth (CAGR)
-5.01%
Bulls say / Bears say
Ponce Financial Group reported a significant increase in net income to $5.7 million for Q1 2025, up from $2.7 million in Q4 2024, indicating strong financial performance. (GuruFocus)
The company's net interest margin improved to 2.98% in Q1 2025, a rise of 18 basis points from the previous quarter, reflecting enhanced profitability. (GuruFocus)
Deposits grew by 6.37% to $2.00 billion in Q1 2025, highlighting strong customer confidence and potential for increased lending capacity. (GuruFocus)
Ponce Financial Group's Price-To-Earnings Ratio (23.4x) is higher than the US Banks industry average (11.1x), suggesting potential overvaluation. (Simply Wall St)
T. Rowe Price Investment Management reduced its stake in Ponce Financial Group by 15,657 shares, indicating possible concerns about future performance. (GuruFocus)
Despite strong interest income growth, the company's return on assets and equity underperform compared to peers, indicating inefficiency. (Seeking Alpha)
Data summarised monthly by Lightyear AI. Last updated on 8 Jun 2025.
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FAQs
What’s the current market cap for Ponce Financial Group, Inc. stock?
Ponce Financial Group, Inc. (PDLB) has a market cap of $318M as of June 30, 2025.
What is the P/E ratio for Ponce Financial Group, Inc. stock?
The price to earnings (P/E) ratio for Ponce Financial Group, Inc. (PDLB) stock is 23.26 as of June 30, 2025.
Does Ponce Financial Group, Inc. stock pay dividends?
No, Ponce Financial Group, Inc. (PDLB) stock does not pay dividends to its shareholders as of June 30, 2025.
When is the next Ponce Financial Group, Inc. dividend payment date?
Ponce Financial Group, Inc. (PDLB) stock does not pay dividends to its shareholders.
What is the beta indicator for Ponce Financial Group, Inc.?
Ponce Financial Group, Inc. (PDLB) has a beta rating of 0.51. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.