Ponce Financial Group Statistics

Total Valuation

PDLB has a market cap or net worth of $222.88 million. The enterprise value is $814.31 million.

Market Cap	222.88M
Enterprise Value	814.31M

Important Dates

The next estimated earnings date is Friday, July 26, 2024, after market close.

Earnings Date	Jul 26, 2024
Ex-Dividend Date	n/a

Share Statistics

PDLB has 23.81 million shares outstanding. The number of shares has decreased by -4.11% in one year.

Shares Outstanding	23.81M
Shares Change (YoY)	-4.11%
Shares Change (QoQ)	-0.15%
Owned by Insiders (%)	19.41%
Owned by Institutions (%)	43.81%
Float	16.86M

Valuation Ratios

The trailing PE ratio is 36.00 and the forward PE ratio is 113.64.

PE Ratio	36.00
Forward PE	113.64
PS Ratio	2.86
Forward PS	2.85
PB Ratio	0.45
P/FCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	149.83
EV / Sales	10.44
EV / EBITDA	61.72
EV / EBIT	93.21
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	1.47
Debt / EBITDA	55.04
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 1.10% and return on invested capital (ROIC) is 0.45%.

Return on Equity (ROE)	1.10%
Return on Assets (ROA)	0.20%
Return on Capital (ROIC)	0.45%
Revenue Per Employee	$334,712
Profits Per Employee	$23,326
Employee Count	233
Asset Turnover	0.03
Inventory Turnover	n/a

Taxes

In the past 12 months, PDLB has paid $3.30 million in taxes.

Income Tax	3.30M
Effective Tax Rate	37.79%

Stock Price Statistics

The stock price has increased by +23.48% in the last 52 weeks. The beta is 0.46, so PDLB's price volatility has been lower than the market average.

Beta (1Y)	0.46
52-Week Price Change	+23.48%
50-Day Moving Average	8.56
200-Day Moving Average	8.59
Relative Strength Index (RSI)	66.99
Average Volume (30 Days)	28,576

Short Selling Information

The latest short interest is 119,896, so 0.50% of the outstanding shares have been sold short.

Short Interest	119,896
Short Previous Month	127,311
Short % of Shares Out	0.50%
Short % of Float	0.71%
Short Ratio (days to cover)	5.66

Income Statement

In the last 12 months, PDLB had revenue of $77.99 million and earned $5.44 million in profits. Earnings per share was $0.26.

Revenue	77.99M
Gross Profit	77.99M
Operating Income	8.74M
Pretax Income	8.74M
Net Income	5.44M
EBITDA	13.19M
EBIT	8.74M
Earnings Per Share (EPS)	$0.26

Full Income Statement

Balance Sheet

The company has $134.72 million in cash and $726.15 million in debt, giving a net cash position of -$591.43 million or -$24.84 per share.

Cash & Cash Equivalents	134.72M
Total Debt	726.15M
Net Cash	-591.43M
Net Cash Per Share	-$24.84
Equity / Book Value	493.68M
Book Value Per Share	20.73
Working Capital	n/a

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $1.81 million and capital expenditures -$1.95 million, giving a free cash flow of -$144,000.

Operating Cash Flow	1.81M
Capital Expenditures	-1.95M
Free Cash Flow	-144,000
FCF Per Share	-$0.01

Full Cash Flow Statement

Margins

Gross margin is 100.00%, with operating and profit margins of 11.20% and 6.97%.

Gross Margin	100.00%
Operating Margin	11.20%
Pretax Margin	11.20%
Profit Margin	6.97%
EBITDA Margin	16.92%
EBIT Margin	11.20%
FCF Margin	-0.18%

Dividends & Yields

PDLB does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	4.11%
Shareholder Yield	4.11%
Earnings Yield	2.44%
FCF Yield	-0.06%

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on January 28, 2022. It was a forward split with a ratio of 1395:1000.

Last Split Date	Jan 28, 2022
Split Type	Forward
Split Ratio	1395:1000

Scores

Altman Z-Score	n/a
Piotroski F-Score	5