Ponce Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Ponce Financial Group
PDLB Stock  USD 13.40  0.10  0.75%   
Ponce Financial financial statements provide useful quarterly and yearly information to potential Ponce Financial Group investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Ponce Financial financial statements helps investors assess Ponce Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Ponce Financial's valuation are summarized below:
Gross Profit
79.5 M
Profit Margin
0.1077
Market Capitalization
303.7 M
Enterprise Value Revenue
14.2412
Revenue
79.5 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 2025 to make sure the company can sustain itself down the road. The current year's Enterprise Value is expected to grow to about 860.1 M, whereas Market Cap is forecasted to decline to about 253.7 M.

Ponce Financial Total Revenue

170.77 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 Net Interest Income of 46.7 M, Interest Income of 139.9 M or Interest Expense of 90.5 M, as well as many indicators such as Price To Sales Ratio of 1.7, Ptb Ratio of 0.49 or Capex To Depreciation of 0.0992. Ponce financial statements analysis is a perfect complement when working with Ponce Financial Valuation or Volatility modules.
  
Check out the analysis of Ponce Financial Correlation against competitors.

Ponce Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets3.3 B3.2 B1.4 B
Slightly volatile
Short and Long Term Debt Total865.9 M824.7 M218.2 M
Slightly volatile
Total Current Liabilities22.6 M13.8 M13.8 M
Slightly volatile
Total Stockholder Equity593.4 M565.1 M226.4 M
Slightly volatile
Other Liabilities28.9 M15.6 M18.2 M
Slightly volatile
Net Tangible Assets177.8 M307.9 M156.3 M
Slightly volatile
Property Plant And Equipment Net35.9 M54.4 M32.5 M
Slightly volatile
Retained Earnings109.4 M112 M100.4 M
Slightly volatile
Accounts Payable14.4 M13.8 M2.6 M
Slightly volatile
Cash60.8 M33.3 M40.9 M
Slightly volatile
Non Current Assets Total3.6 B3.5 B745.1 M
Slightly volatile
Cash And Short Term Investments132.1 M160.1 M115.4 M
Slightly volatile
Net Receivables21.7 M20.7 M8.1 M
Slightly volatile
Common Stock Shares Outstanding21 M22.6 M18.8 M
Slightly volatile
Short Term Investments72.4 M137.9 M75.8 M
Pretty Stable
Liabilities And Stockholders Equity3.3 B3.2 B1.4 B
Slightly volatile
Non Current Liabilities Total2.7 B2.6 B494.4 M
Slightly volatile
Other Current Assets155.3 M141.7 M282.9 M
Slightly volatile
Total Liabilities2.7 B2.6 B1.2 B
Slightly volatile
Long Term Investments702.3 M668.9 M209.8 M
Slightly volatile
Property Plant And Equipment Gross39.1 M70.7 M35.4 M
Slightly volatile
Total Current Assets213.2 M275.7 M366 M
Slightly volatile
Short Term Debt443.4 M422.3 M108.6 M
Slightly volatile
Property Plant Equipment33.9 M58.5 M32.9 M
Slightly volatile
Earning Assets52.1 M44.3 M68 M
Slightly volatile
Long Term Debt826.4 M787.1 M196.8 M
Slightly volatile
Common Stock Total Equity148 K166.5 K181.5 K
Slightly volatile
Retained Earnings Total Equity75.9 M85.4 M93.1 M
Slightly volatile
Capital Surpluse93 M97.5 M85.9 M
Slightly volatile
Net Invested Capital1.1 B1.1 B419.2 M
Slightly volatile
Non Current Liabilities Other37.4 M42 M45.8 M
Slightly volatile
Common Stock223.6 K286.4 K201.7 K
Slightly volatile
Capital Stock272 M259 M61.5 M
Slightly volatile
Capital Lease Obligations26.9 M29.4 M33.6 M
Slightly volatile

Ponce Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Net Interest Income46.7 M73.9 M41.5 M
Slightly volatile
Interest Income139.9 M133.2 M60.8 M
Slightly volatile
Depreciation And Amortization2.8 M5.2 M2.6 M
Slightly volatile
Selling General Administrative5.8 M6.1 M17.7 M
Pretty Stable
Total Revenue170.8 M162.6 M57.4 M
Slightly volatile
Gross Profit170.8 M162.6 M56.5 M
Slightly volatile
Selling And Marketing Expenses452.8 K714 K334.1 K
Slightly volatile
Reconciled Depreciation7.4 M7.1 M2.9 M
Slightly volatile

Ponce Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Begin Period Cash Flow58.4 M62.5 M42.4 M
Slightly volatile
Other Cashflows From Financing Activities218.2 M229.7 M982.8 M
Slightly volatile
Depreciation2.8 M5.2 M2.6 M
Slightly volatile
Capital Expenditures351.4 K369.9 K1.4 M
Pretty Stable
End Period Cash Flow168.1 M160.1 M62 M
Slightly volatile
Cash And Cash Equivalents Changes8.6 M9 M28.9 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio1.71.79336.2068
Slightly volatile
PTB Ratio0.490.521.8249
Slightly volatile
Capex To Depreciation0.09920.10.6629
Pretty Stable
PB Ratio0.490.521.8249
Slightly volatile
Payables Turnover0.440.4615.3341
Slightly volatile
Sales General And Administrative To Revenue0.03590.03780.4259
Slightly volatile
Days Payables Outstanding862821182
Slightly volatile
Intangibles To Total Assets0.07430.07080.0341
Slightly volatile
Current Ratio27.9729.446.2 K
Slightly volatile
Receivables Turnover4.484.727.2188
Slightly volatile
Debt To Equity1.381.310.5433
Slightly volatile
Revenue Per Share7.617.24942.8993
Slightly volatile
Debt To Assets0.250.230.0899
Slightly volatile
Days Sales Outstanding41.4580.0960.9386
Slightly volatile
Book Value Per Share20.4219.4410.4737
Slightly volatile
Stock Based Compensation To Revenue0.02880.03690.0292
Slightly volatile
EV To Sales6.1611.098.1462
Very volatile
Capex To Revenue0.00610.00640.0326
Pretty Stable
Cash Per Share5.195.896.0093
Slightly volatile
Tangible Book Value Per Share20.4219.449.3643
Slightly volatile
Graham Number7.827.627.7314
Slightly volatile
Shareholders Equity Per Share20.4219.4410.4737
Slightly volatile
Capex Per Share0.01970.02080.0787
Pretty Stable
Interest Debt Per Share32.3130.779.8894
Slightly volatile
Price Book Value Ratio0.490.521.8249
Slightly volatile
Days Of Payables Outstanding862821182
Slightly volatile
Company Equity Multiplier7.566.447.1498
Slightly volatile
Long Term Debt To Capitalization0.370.360.1876
Slightly volatile
Total Debt To Capitalization0.560.530.2794
Slightly volatile
Debt Equity Ratio1.381.310.5433
Slightly volatile
Quick Ratio27.9729.446.3 K
Slightly volatile
Net Income Per E B T0.870.69950.7506
Pretty Stable
Cash Ratio2.642.78154
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.610.840.8165
Slightly volatile
Price To Book Ratio0.490.521.8249
Slightly volatile
Fixed Asset Turnover1.251.41.382
Slightly volatile
Debt Ratio0.250.230.0899
Slightly volatile
Price Sales Ratio1.71.79336.2068
Slightly volatile
Asset Turnover0.04030.03090.0382
Slightly volatile
Gross Profit Margin0.740.840.9158
Slightly volatile
Price Fair Value0.490.521.8249
Slightly volatile
Days Of Sales Outstanding41.4580.0960.9386
Slightly volatile

Ponce Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap253.7 M255.3 M255 M
Slightly volatile
Enterprise Value860.1 M819.2 M397.7 M
Slightly volatile

Ponce Fundamental Market Drivers

Forward Price Earnings36.2319

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 Revenue162.6 M170.8 M
Cost Of Revenue4.3 M4 M
Sales General And Administrative To Revenue 0.04  0.04 
Revenue Per Share 7.25  7.61 
Stock Based Compensation To Revenue 0.04  0.03 
Capex To Revenue 0.01  0.01 
Ebit Per Revenue 0.96  1.01 

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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
Details
Is Ponce Stock a good investment?
Details
What is Ponce Financial's Net Worth?
Details
Largest Regional Banks Companies
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Largest Banks - Regional Companies
View
Check out the analysis of Ponce Financial Correlation against competitors.
You can also try the Sign In To Macroaxis module to sign in to explore Macroaxis' wealth optimization platform and fintech modules.
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. If investors know Ponce will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ponce Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.18)
Earnings Share
0.46
Revenue Per Share
3.555
Quarterly Revenue Growth
(0.10)
Return On Assets
0.003
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.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
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Please note, there is a significant difference between Ponce Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Ponce Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ponce Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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