Ponce Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Ponce Financial Group
PDLB Stock  USD 16.87  0.08  0.47%   
Ponce Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Ponce Financial's valuation are provided below:
Gross Profit
105.4 M
Profit Margin
0.2722
Market Capitalization
388.7 M
Enterprise Value Revenue
11.4503
Revenue
105.4 M
We have found one hundred twenty available trending fundamental ratios for Ponce Financial Group, which can be analyzed and compared to other ratios and to its competitors. All investors should make sure to check out all of Ponce Financial Group recent market performance against the performance between 2010 and 2026 to make sure the company can sustain itself down the road. The current year's Market Cap is expected to grow to about 352.8 M. The current year's Enterprise Value is expected to grow to about 944.7 M

Ponce Financial Total Revenue

204.02 Million

Check Ponce Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Ponce Financial's main balance sheet or income statement drivers, such as Tax Provision of 4.5 M, Net Interest Income of 50.1 M or Interest Income of 196.4 M, as well as many indicators such as Price To Sales Ratio of 3.71, Dividend Yield of 0.0016 or PTB Ratio of 1.19. Ponce financial statements analysis is a perfect complement when working with Ponce Financial Valuation or Volatility modules.
  
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Check out the analysis of Ponce Financial Correlation against competitors.

Ponce Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets1.9 B3.2 B1.4 B
Slightly volatile
Short and Long Term Debt Total687.5 M654.8 M221.9 M
Slightly volatile
Other Current Liabilities1.2 B1.1 B920.7 M
Slightly volatile
Total Current Liabilities1.2 B1.1 B934.3 M
Slightly volatile
Total Stockholder Equity305.6 M541.5 M224.5 M
Slightly volatile
Other Liabilities28.9 M15.6 M17.9 M
Slightly volatile
Net Tangible Assets177.8 M307.9 M162.8 M
Slightly volatile
Property Plant And Equipment Net38.3 M43.2 M32.8 M
Slightly volatile
Retained Earnings113.8 M135.3 M102.4 M
Slightly volatile
Accounts Payable4.5 M4.3 M1.6 M
Slightly volatile
Cash27.1 M28.5 M51 M
Slightly volatile
Non Current Assets Total52 M54.7 M1 B
Slightly volatile
Non Currrent Assets Other65.1 M62 M20.7 M
Slightly volatile
Cash And Short Term Investments156.6 M120.7 M129.2 M
Slightly volatile
Net Receivables2.7 B2.6 B321.7 M
Slightly volatile
Common Stock Shares Outstanding19.5 M23.3 M15.1 M
Slightly volatile
Short Term Investments79 M92.2 M75.2 M
Pretty Stable
Liabilities And Stockholders Equity1.9 B3.2 B1.4 B
Slightly volatile
Non Current Liabilities Total1.7 B1.6 B341.3 M
Slightly volatile
Other Current Assets155.3 M141.7 M275.5 M
Slightly volatile
Total Liabilities1.6 B2.7 B1.2 B
Slightly volatile
Long Term Investments571 M543.8 M210.2 M
Slightly volatile
Property Plant And Equipment Gross42 M70.5 M37 M
Slightly volatile
Total Current Assets2.9 B2.7 B449.2 M
Slightly volatile
Short Term Debt443.4 M422.3 M119.4 M
Slightly volatile
Property Plant Equipment33.9 M58.5 M33.9 M
Slightly volatile
Earning Assets52.1 M44.3 M66.9 M
Slightly volatile
Long Term Debt719.8 M685.5 M208 M
Slightly volatile
Common Stock Total Equity148 K166.5 K181.7 K
Slightly volatile
Retained Earnings Total Equity75.9 M85.4 M93.2 M
Slightly volatile
Capital Surpluse93 M97.5 M85.8 M
Slightly volatile
Net Invested Capital540.9 M1 B405.4 M
Slightly volatile
Non Current Liabilities Other37.4 M42 M45.9 M
Slightly volatile
Common Stock234.8 K286.4 K205.2 K
Slightly volatile
Capital Stock272 M259 M71.1 M
Slightly volatile
Capital Lease Obligations26.1 M27.6 M33.3 M
Slightly volatile

Ponce Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income50.1 M88 M44.6 M
Slightly volatile
Interest Income196.4 M187 M73.3 M
Slightly volatile
Depreciation And Amortization3.1 M3.5 M2.6 M
Slightly volatile
Selling General Administrative27 M39.6 M21.9 M
Slightly volatile
Total Revenue204 M194.3 M77.4 M
Slightly volatile
Gross Profit58.8 M105.9 M46.7 M
Slightly volatile
Other Operating Expenses87 M154.8 M65.6 M
Slightly volatile
Cost Of Revenue92.8 M88.4 M27.6 M
Slightly volatile
Total Operating Expenses52.4 M66.4 M41.4 M
Slightly volatile
Selling And Marketing Expenses476.5 K627 K352.7 K
Slightly volatile
Reconciled Depreciation3.5 M5.4 M2.7 M
Slightly volatile

Ponce Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow168.1 M160.1 M60.3 M
Slightly volatile
Depreciation3.1 M5.4 M2.7 M
Slightly volatile
Capital Expenditures2.5 M3.1 M1.8 M
Slightly volatile
End Period Cash Flow81.5 M160.8 M61.6 M
Slightly volatile
Cash And Cash Equivalents Changes8.6 M9 M27.8 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio3.711.92163.431
Slightly volatile
Dividend Yield0.00160.00180.002
Slightly volatile
PTB Ratio1.190.68951.1683
Slightly volatile
Days Sales Outstanding5.2 K4.9 K626
Slightly volatile
Book Value Per Share24.923.713614.106
Slightly volatile
Stock Based Compensation To Revenue0.02170.01910.0225
Slightly volatile
Capex To Depreciation1.130.660.7513
Slightly volatile
PB Ratio1.190.68951.1683
Slightly volatile
EV To Sales3.975.14484.4353
Slightly volatile
Payables Turnover25.7527.11124
Slightly volatile
Sales General And Administrative To Revenue0.370.2040.3679
Slightly volatile
Capex To Revenue0.01770.01870.0275
Pretty Stable
Cash Per Share6.525.28569.01
Slightly volatile
Payout Ratio0.04290.04820.0526
Slightly volatile
Days Payables Outstanding9.5113.949.0165
Slightly volatile
Intangibles To Total Assets0.00.01.0E-4
Slightly volatile
Current Ratio2.672.54550.4359
Slightly volatile
Tangible Book Value Per Share24.923.713614.1003
Slightly volatile
Receivables Turnover0.07050.07429.7199
Slightly volatile
Graham Number27.1925.896111.135
Slightly volatile
Shareholders Equity Per Share24.923.713614.106
Slightly volatile
Debt To Equity1.271.20910.5737
Slightly volatile
Capex Per Share0.140.12110.1035
Slightly volatile
Revenue Per Share8.938.50854.7448
Slightly volatile
Interest Debt Per Share34.0532.426311.7402
Slightly volatile
Debt To Assets0.210.20310.0931
Slightly volatile
Operating Cycle5.2 K4.9 K626
Slightly volatile
Price Book Value Ratio1.190.68951.1683
Slightly volatile
Days Of Payables Outstanding9.5113.949.0165
Slightly volatile
Dividend Payout Ratio0.04290.04820.0526
Slightly volatile
Ebt Per Ebit0.780.880.9559
Slightly volatile
Company Equity Multiplier7.385.95327.0438
Slightly volatile
Long Term Debt To Capitalization0.560.53590.2608
Slightly volatile
Total Debt To Capitalization0.30.54730.2829
Slightly volatile
Debt Equity Ratio1.271.20910.5737
Slightly volatile
Quick Ratio2.672.54550.4359
Slightly volatile
Net Income Per E B T0.860.74690.7498
Pretty Stable
Cash Ratio0.04870.02650.0485
Slightly volatile
Days Of Sales Outstanding5.2 K4.9 K626
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.590.560.7799
Slightly volatile
Price To Book Ratio1.190.68951.1683
Slightly volatile
Fixed Asset Turnover4.724.49572.1826
Slightly volatile
Debt Ratio0.210.20310.0931
Slightly volatile
Price Sales Ratio3.711.92163.431
Slightly volatile
Asset Turnover0.03860.06030.0483
Pretty Stable
Gross Profit Margin0.770.5450.7441
Slightly volatile
Price Fair Value1.190.68951.1683
Slightly volatile

Ponce Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap352.8 M336 M199.9 M
Slightly volatile
Enterprise Value944.7 M899.7 M413.3 M
Slightly volatile

Ponce Fundamental Market Drivers

Forward Price Earnings49.2611
Cash And Short Term Investments120.7 M

Ponce Upcoming Events

29th of January 2024
Upcoming Quarterly Report
View
24th of April 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
29th of January 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Ponce Financial Financial Statements

Ponce Financial stakeholders use historical fundamental indicators, such as Ponce Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Ponce Financial investors may analyze each financial statement separately, they are all interrelated. For example, changes in Ponce Financial's assets and liabilities are reflected in the revenues and expenses on Ponce Financial's income statement, which ultimately affect the company's gains or losses. Understanding these patterns can help in making the right long-term investment decisions in Ponce Financial Group. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Current Deferred Revenue-13.8 M-14.4 M
Total Revenue194.3 M204 M
Cost Of Revenue88.4 M92.8 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.20  0.37 
Capex To Revenue 0.02  0.02 
Revenue Per Share 8.51  8.93 
Ebit Per Revenue 0.20  0.21 

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When determining whether Ponce Financial Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Ponce Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Ponce Financial Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Ponce Financial Group Stock:
How To Invest In Ponce
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What is Ponce Financial's Net Worth?
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Check out the analysis of Ponce Financial Correlation against competitors.
You can also try the Portfolio File Import module to quickly import all of your third-party portfolios from your local drive in csv format.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ponce Financial. Anticipated expansion of Ponce directly elevates investor willingness to pay premium valuations. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Ponce Financial assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
2.569
Earnings Share
1.2
Revenue Per Share
4.635
Quarterly Revenue Growth
0.396
Return On Assets
0.0092
The market value of Ponce Financial Group is measured differently than its book value, which is the value of Ponce that is recorded on the company's balance sheet. Investors also form their own opinion of Ponce Financial's value that differs from its market value or its book value, called intrinsic value, which is Ponce Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ponce Financial's market value can be influenced by many factors that don't directly affect Ponce Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
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Piotroski
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Beneish
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Financial
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Buy or Sell
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Earnings
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It's important to distinguish between Ponce Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Ponce Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Ponce Financial's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
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