Ponce Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Ponce Financial Group
PDLB Stock  USD 16.12  0.33  2.01%   
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
96.3 M
Profit Margin
0.2234
Market Capitalization
394.8 M
Enterprise Value Revenue
11.7996
Revenue
96.3 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 Enterprise Value is expected to grow to about 755.7 M, whereas Market Cap is forecasted to decline to about 139.5 M.

Ponce Financial Total Revenue

202.01 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 3.87, Dividend Yield of 0.0016 or PTB Ratio of 1.23. 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 Assets3.7 B3.5 B1.5 B
Slightly volatile
Short and Long Term Debt Total756.9 M720.8 M229.9 M
Slightly volatile
Other Current Liabilities1.1 B2.2 B984.7 M
Slightly volatile
Total Current Liabilities1.2 B2.2 B998.7 M
Slightly volatile
Total Stockholder Equity610.4 M581.3 M244.8 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 Net37.4 M52.8 M33.3 M
Slightly volatile
Retained Earnings110.3 M123.9 M101.6 M
Slightly volatile
Accounts Payable4.5 M4.3 M1.6 M
Slightly volatile
Cash82.3 M161.1 M62.1 M
Slightly volatile
Non Current Assets Total3.4 B3.2 B1.4 B
Slightly volatile
Non Currrent Assets Other65.1 M62 M20.7 M
Slightly volatile
Cash And Short Term Investments159 M281.8 M138.8 M
Slightly volatile
Net Receivables21.5 M20.4 M8.6 M
Slightly volatile
Common Stock Shares Outstanding18.9 M25.9 M15.2 M
Slightly volatile
Short Term Investments76.7 M120.7 M76.8 M
Pretty Stable
Liabilities And Stockholders Equity3.7 B3.5 B1.5 B
Slightly volatile
Non Current Liabilities Total779.9 M742.7 M237.1 M
Slightly volatile
Other Current Assets155.3 M141.7 M275.5 M
Slightly volatile
Total Liabilities3.1 B2.9 B1.3 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 Assets169 M302.3 M146.8 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 Stock229.9 K286.4 K204.9 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 M5.4 M2.7 M
Slightly volatile
Selling General Administrative25.4 M38.7 M21.8 M
Slightly volatile
Total Revenue202 M192.4 M77.1 M
Slightly volatile
Gross Profit53.1 M91.8 M45.5 M
Slightly volatile
Other Operating Expenses183.1 M174.4 M72.4 M
Slightly volatile
Cost Of Revenue105.6 M100.6 M29.1 M
Slightly volatile
Total Operating Expenses50.4 M73.7 M41.7 M
Slightly volatile
Selling And Marketing Expenses452.8 K821.1 K362.8 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 Ratio3.872.03.445
Slightly volatile
Dividend Yield0.00160.00180.002
Slightly volatile
PTB Ratio1.230.661.169
Slightly volatile
Days Sales Outstanding33.4834.936.7449
Slightly volatile
Book Value Per Share10.9120.2813.081
Slightly volatile
Stock Based Compensation To Revenue0.02170.01910.0225
Slightly volatile
Capex To Depreciation1.130.660.7513
Slightly volatile
PB Ratio1.230.661.169
Slightly volatile
EV To Sales3.954.194.378
Slightly volatile
Payables Turnover25.7527.11124
Slightly volatile
Sales General And Administrative To Revenue0.390.230.3706
Slightly volatile
Capex To Revenue0.01770.01870.0275
Pretty Stable
Cash Per Share6.759.839.2908
Pretty Stable
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 Ratio0.110.130.1432
Pretty Stable
Tangible Book Value Per Share10.9120.2813.0754
Slightly volatile
Receivables Turnover10.8810.8310.9884
Slightly volatile
Graham Number8.2114.179.3287
Slightly volatile
Shareholders Equity Per Share10.9120.2813.081
Slightly volatile
Debt To Equity1.171.120.5626
Slightly volatile
Capex Per Share0.140.12110.1035
Slightly volatile
Revenue Per Share3.366.714.3113
Slightly volatile
Interest Debt Per Share30.0328.611.2786
Slightly volatile
Debt To Assets0.190.20620.0911
Slightly volatile
Operating Cycle33.4834.936.7449
Slightly volatile
Price Book Value Ratio1.230.661.169
Slightly volatile
Days Of Payables Outstanding9.5113.949.0165
Slightly volatile
Dividend Payout Ratio0.04290.04820.0526
Slightly volatile
Company Equity Multiplier7.466.927.1054
Slightly volatile
Long Term Debt To Capitalization0.510.490.2552
Slightly volatile
Total Debt To Capitalization0.290.50.2796
Slightly volatile
Debt Equity Ratio1.171.120.5626
Slightly volatile
Quick Ratio0.110.130.1432
Pretty Stable
Net Income Per E B T0.870.80.7535
Pretty Stable
Cash Ratio0.05140.06680.051
Slightly volatile
Days Of Sales Outstanding33.4834.936.7449
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.590.560.7799
Slightly volatile
Price To Book Ratio1.230.661.169
Slightly volatile
Fixed Asset Turnover1.713.281.9341
Slightly volatile
Debt Ratio0.190.20620.0911
Slightly volatile
Price Sales Ratio3.872.03.445
Slightly volatile
Asset Turnover0.03770.04950.0476
Slightly volatile
Gross Profit Margin0.790.550.7456
Slightly volatile
Price Fair Value1.230.661.169
Slightly volatile

Ponce Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap139.5 M199.8 M170.5 M
Slightly volatile
Enterprise Value755.7 M719.7 M379.9 M
Slightly volatile

Ponce Fundamental Market Drivers

Forward Price Earnings49.2611
Cash And Short Term Investments245.1 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 Revenue192.4 M202 M
Cost Of Revenue100.6 M105.6 M
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.23  0.39 
Capex To Revenue 0.02  0.02 
Revenue Per Share 6.71  3.36 
Ebit Per Revenue 0.09  0.11 

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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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Is Ponce Stock a good investment?
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What is Ponce Financial's Net Worth?
Details
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Check out the analysis of Ponce Financial Correlation against competitors.
You can also try the Portfolio Dashboard module to portfolio dashboard that provides centralized access to all your investments.
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
1.816
Earnings Share
0.89
Revenue Per Share
4.246
Quarterly Revenue Growth
0.292
Return On Assets
0.007
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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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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