Ponce Financial Group Net Income
| PDLB Stock | USD 16.36 0.41 2.44% |
As of the 30th of January, Ponce Financial holds the Risk Adjusted Performance of 0.106, semi deviation of 1.17, and Coefficient Of Variation of 727.08. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Ponce Financial, as well as the relationship between them.
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:Ponce Financial Group does not presently have any trending fundamental ratios for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Is Stock 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.
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.
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.
Ponce Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Ponce Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Ponce Financial.
| 11/01/2025 |
| 01/30/2026 |
If you would invest 0.00 in Ponce Financial on November 1, 2025 and sell it all today you would earn a total of 0.00 from holding Ponce Financial Group or generate 0.0% return on investment in Ponce Financial over 90 days. Ponce Financial is related to or competes with RBB Bancorp, Pioneer Bancorp, PCB Bancorp, Orange County, Farmers Merchants, Bankwell Financial, and MVB Financial. Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products a... More
Ponce Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Ponce Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Ponce Financial Group upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.39 | |||
| Information Ratio | 0.1051 | |||
| Maximum Drawdown | 9.42 | |||
| Value At Risk | (2.24) | |||
| Potential Upside | 3.5 |
Ponce Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Ponce Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Ponce Financial's standard deviation. In reality, there are many statistical measures that can use Ponce Financial historical prices to predict the future Ponce Financial's volatility.| Risk Adjusted Performance | 0.106 | |||
| Jensen Alpha | 0.1853 | |||
| Total Risk Alpha | 0.1165 | |||
| Sortino Ratio | 0.1432 | |||
| Treynor Ratio | 0.1975 |
Ponce Financial January 30, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.106 | |||
| Market Risk Adjusted Performance | 0.2075 | |||
| Mean Deviation | 1.46 | |||
| Semi Deviation | 1.17 | |||
| Downside Deviation | 1.39 | |||
| Coefficient Of Variation | 727.08 | |||
| Standard Deviation | 1.89 | |||
| Variance | 3.58 | |||
| Information Ratio | 0.1051 | |||
| Jensen Alpha | 0.1853 | |||
| Total Risk Alpha | 0.1165 | |||
| Sortino Ratio | 0.1432 | |||
| Treynor Ratio | 0.1975 | |||
| Maximum Drawdown | 9.42 | |||
| Value At Risk | (2.24) | |||
| Potential Upside | 3.5 | |||
| Downside Variance | 1.93 | |||
| Semi Variance | 1.36 | |||
| Expected Short fall | (1.89) | |||
| Skewness | 0.7248 | |||
| Kurtosis | 0.4623 |
Ponce Financial Group Backtested Returns
Ponce Financial appears to be very steady, given 3 months investment horizon. Ponce Financial Group maintains Sharpe Ratio (i.e., Efficiency) of 0.14, which implies the firm had a 0.14 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Ponce Financial Group, which you can use to evaluate the volatility of the company. Please evaluate Ponce Financial's Coefficient Of Variation of 727.08, risk adjusted performance of 0.106, and Semi Deviation of 1.17 to confirm if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Ponce Financial holds a performance score of 11. The company holds a Beta of 1.27, which implies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Ponce Financial will likely underperform. Please check Ponce Financial's semi variance, rate of daily change, and the relationship between the value at risk and kurtosis , to make a quick decision on whether Ponce Financial's historical price patterns will revert.
Auto-correlation | -0.41 |
Modest reverse predictability
Ponce Financial Group has modest reverse predictability. Overlapping area represents the amount of predictability between Ponce Financial time series from 1st of November 2025 to 16th of December 2025 and 16th of December 2025 to 30th of January 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Ponce Financial Group price movement. The serial correlation of -0.41 indicates that just about 41.0% of current Ponce Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.41 | |
| Spearman Rank Test | -0.47 | |
| Residual Average | 0.0 | |
| Price Variance | 0.17 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Ponce Financial Group reported net income of 10.97 M. This is 99.14% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 98.08% higher than that of the company.
Ponce Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Ponce Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Ponce Financial could also be used in its relative valuation, which is a method of valuing Ponce Financial by comparing valuation metrics of similar companies.Ponce Financial is currently under evaluation in net income category among its peers.
Ponce Fundamentals
| Return On Equity | 0.0416 | |||
| Return On Asset | 0.007 | |||
| Profit Margin | 0.22 % | |||
| Operating Margin | 0.36 % | |||
| Current Valuation | 1.01 B | |||
| Shares Outstanding | 24 M | |||
| Shares Owned By Insiders | 18.95 % | |||
| Shares Owned By Institutions | 48.26 % | |||
| Number Of Shares Shorted | 287.81 K | |||
| Price To Earning | 21.93 X | |||
| Price To Book | 1.29 X | |||
| Price To Sales | 4.15 X | |||
| Revenue | 194.31 M | |||
| Gross Profit | 96.25 M | |||
| EBITDA | 43.03 M | |||
| Net Income | 10.97 M | |||
| Cash And Equivalents | 277.43 M | |||
| Cash Per Share | 12.01 X | |||
| Total Debt | 626.8 M | |||
| Debt To Equity | 6.12 % | |||
| Book Value Per Share | 13.37 X | |||
| Cash Flow From Operations | 7.21 M | |||
| Short Ratio | 2.32 X | |||
| Earnings Per Share | 0.89 X | |||
| Target Price | 18.5 | |||
| Number Of Employees | 209 | |||
| Beta | 0.58 | |||
| Market Capitalization | 399.14 M | |||
| Total Asset | 3.04 B | |||
| Retained Earnings | 107.75 M | |||
| Net Asset | 3.04 B |
About Ponce Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Ponce Financial Group's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Ponce Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Ponce Financial Group based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Stock 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.
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.
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.