Stock Scorecard
Stock Summary for Ponce Financial Group Inc (PDLB) - $15.48 as of 11/24/2025 9:26:40 PM EST
Total Score
13 out of 30
Safety Score
43 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for PDLB
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for PDLB
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for PDLB
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for PDLB
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for PDLB (43 out of 100)
| Stock Price Rating (Max of 10) | 6 |
| Historical Stock Price Rating (Max of 10) | 5 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 5 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 0 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 8 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for PDLB
Financial Details for PDLB
Company Overview |
|
|---|---|
| Ticker | PDLB |
| Company Name | Ponce Financial Group Inc |
| Country | USA |
| Description | Ponce Financial Group Inc (PDLB) is a prominent financial institution committed to addressing the diverse banking needs of communities within the New York City metropolitan area through its subsidiary, Ponce Bank. The company offers a wide array of financial services, including mortgage lending, commercial real estate financing, and retail banking, aimed at both individual customers and businesses. PDLB prioritizes community engagement and economic inclusion, playing a vital role in driving growth in underserved markets. Its strategic initiatives not only enhance stakeholder value but also position PDLB as a key contributor to regional economic development, making it an attractive option for institutional investors seeking meaningful impact and potential returns. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 2/3/2026 |
Stock Price History |
|
| Last Day Price | 15.48 |
| Price 4 Years Ago | 10.39 |
| Last Day Price Updated | 11/24/2025 9:26:40 PM EST |
| Last Day Volume | 57,905 |
| Average Daily Volume | 63,664 |
| 52-Week High | 15.99 |
| 52-Week Low | 10.88 |
| Last Price to 52 Week Low | 42.28% |
Valuation Measures |
|
| Trailing PE | 16.52 |
| Industry PE | 17.04 |
| Sector PE | 22.67 |
| 5-Year Average PE | 21.73 |
| Free Cash Flow Ratio | 2.53 |
| Industry Free Cash Flow Ratio | 6.58 |
| Sector Free Cash Flow Ratio | 40.19 |
| Current Ratio Most Recent Quarter | 0.13 |
| Total Cash Per Share | 6.12 |
| Book Value Per Share Most Recent Quarter | 13.37 |
| Price to Book Ratio | 1.22 |
| Industry Price to Book Ratio | 1.06 |
| Sector Price to Book Ratio | 1.85 |
| Price to Sales Ratio Twelve Trailing Months | 3.83 |
| Industry Price to Sales Ratio Twelve Trailing Months | 2.97 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.67 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 24,001,100 |
| Market Capitalization | 371,537,028 |
| Institutional Ownership | 48.25% |
Dividends |
|
| Ex-Dividend Date | N/A |
| Previous Dividend Amount | 0.0000 |
| Current Dividend Amount | 0.0000 |
| Total Years Dividend Increasing | N/A |
| Trailing Annual Dividend Rate | 0.00 |
| Trailing Annual Dividend Yield | 0.00% |
| Forward Annual Dividend Rate | 0.00 |
| Forward Annual Dividend Yield | 0.00% |
| 5-Year Dividend Payments Count | 0 |
| 3-Year Average Dividend Yield | 0.00% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 0.00% |
| 3-Year Dividend Growth Rate Percentage | 0.00% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | 0.00% |
| Dividend Payout Ratio | N/A |
Income Statement |
|
| Quarterly Earnings Growth YOY | 181.60% |
| Annual Earnings Growth | 227.33% |
| Reported EPS 12 Trailing Months | 0.93 |
| Reported EPS Past Year | 0.77 |
| Reported EPS Prior Year | 0.47 |
| Net Income Twelve Trailing Months | 21,500,000 |
| Net Income Past Year | 10,972,000 |
| Net Income Prior Year | 3,352,000 |
| Quarterly Revenue Growth YOY | 29.20% |
| 5-Year Revenue Growth | 26.09% |
| Operating Margin Twelve Trailing Months | 35.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 146,828,000 |
| Total Cash Past Year | 140,088,000 |
| Total Cash Prior Year | 139,439,000 |
| Net Cash Position Most Recent Quarter | -374,272,000 |
| Net Cash Position Past Year | -456,012,000 |
| Long Term Debt Past Year | 596,100,000 |
| Long Term Debt Prior Year | 684,421,000 |
| Total Debt Most Recent Quarter | 521,100,000 |
| Equity to Debt Ratio Past Year | 0.46 |
| Equity to Debt Ratio Most Recent Quarter | 0.50 |
| Total Stockholder Equity Past Year | 505,500,000 |
| Total Stockholder Equity Prior Year | 491,395,000 |
| Total Stockholder Equity Most Recent Quarter | 529,835,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 42,230,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.76 |
| Free Cash Flow Past Year | 4,494,000 |
| Free Cash Flow Prior Year | 6,082,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.23 |
| MACD Signal | 0.19 |
| 20-Day Bollinger Lower Band | 13.69 |
| 20-Day Bollinger Middle Band | 14.57 |
| 20-Day Bollinger Upper Band | 15.45 |
| Beta | 0.57 |
| RSI | 55.41 |
| 50-Day SMA | 13.59 |
| 150-Day SMA | 10.65 |
| 200-Day SMA | 10.43 |
System |
|
| Modified | 11/22/2025 6:08:17 AM EST |