Stock PDLB PONCE FINANCIAL GROUP, INC.
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Financials Ponce Financial Group, Inc.

Equities

PDLB

US7323441060

Banks

End-of-day quote Nasdaq
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
8.15 USD -0.97% Intraday chart for Ponce Financial Group, Inc. -2.86% -16.50%
Jan. 30 Ponce Financial Group, Inc. Announces Net Charge-Offs for the Fourth Quarter Ended December 31, 2023 CI
Jan. 30 Ponce Financial Group, Inc. Reports Earnings Results for the Fourth Quarter Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 360.5 242.4 340.6 215.6 216.5 173.4 -
Enterprise Value (EV) 1 360.5 242.4 340.6 215.6 216.5 173.4 173.4
P/E ratio -50.7 x 45.7 x 9.6 x -7.06 x 65.1 x -163 x 54.3 x
Yield - - - - - - -
Capitalization / Revenue 9.45 x 5.78 x 5.79 x 3.24 x 3.32 x 2.49 x -
EV / Revenue 9.45 x 5.78 x 5.79 x 3.24 x 3.32 x 2.49 x -
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book - - 1.34 x 0.87 x 0.87 x 0.73 x 0.71 x
Nbr of stocks (in thousands) 24,523 23,065 23,490 23,131 22,184 21,275 -
Reference price 2 10.54 7.533 10.39 9.320 9.760 8.150 8.150
Announcement Date 2/28/20 3/9/21 3/2/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 38.13 41.97 58.85 66.6 65.27 69.6 -
EBITDA - - - - - - -
EBIT - - - - - - -
Operating Margin - - - - - - -
Earnings before Tax (EBT) 1 -6.049 5.235 33.62 -36.85 5.853 -1.4 4.5
Net income 1 -5.125 3.853 25.42 -30 3.352 -1 3.3
Net margin -13.44% 9.18% 43.19% -45.04% 5.14% -1.44% -
EPS 2 -0.2079 0.1648 1.082 -1.320 0.1500 -0.0500 0.1500
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share - - - - - - -
Announcement Date 2/28/20 3/9/21 3/2/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 15.44 16.78 17.34 15.49 17.61 16.17 15.24 16.28 16.54 17.2 16.8 17.2 17.6 17.9 -
EBITDA - - - - - - - - - - - - - - -
EBIT - - - - - - 0.703 - - - - - - - -
Operating Margin - - - - - - 4.61% - - - - - - - -
Earnings before Tax (EBT) 1 3.37 19.22 -9.768 0.283 -15.56 -11.8 0.877 -0.302 4.318 0.96 -0.8 -0.5 0.1 -0.1 -0.1
Net income 1 2.052 14.98 -6.82 0.771 -14.74 -9.214 0.331 -0.087 2.59 0.518 -0.6 -0.4 0.1 -0.1 -0.1
Net margin 13.29% 89.26% -39.34% 4.98% -83.69% -57% 2.17% -0.53% 15.66% 3.01% -3.57% -2.33% 0.57% -0.56% -
EPS 2 0.0860 0.6379 -0.3100 0.0300 -0.6400 -0.4000 0.0100 - 0.1200 0.0200 -0.0300 -0.0200 - - -
Dividend per Share - - - - - - - - - - - - - - -
Announcement Date 11/2/21 3/2/22 5/9/22 7/29/22 10/31/22 1/30/23 4/26/23 7/28/23 10/30/23 1/30/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) - - 14.6% - 0.68% -0.21% 0.68%
ROA (Net income/ Total Assets) - - 1.69% - 0.13% -0.03% 0.1%
Assets 1 - - 1,504 - 2,532 3,333 3,300
Book Value Per Share 2 - - 7.780 10.80 11.20 11.10 11.40
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/28/20 3/9/21 3/2/22 1/30/23 1/30/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
8.15 USD
Average target price
10 USD
Spread / Average Target
+22.70%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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