Ponce Financial Group Net Income
| PDLB Stock | USD 16.70 0.01 0.06% |
As of the 22nd of February, Ponce Financial holds the Semi Deviation of 1.25, coefficient of variation of 1451.76, and Risk Adjusted Performance of 0.0578. 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 Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 11.3542 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Loss | -27 M | -25.7 M | |
| Net Income | 12.6 M | 13.2 M | |
| Net Income From Continuing Ops | 9.9 M | 10.4 M | |
| Net Income Per Share | 1.26 | 1.32 | |
| Net Income Per E B T | 0.75 | 0.86 |
Ponce | Net Income | Build AI portfolio with Ponce Stock |
Analyzing Ponce Financial's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Ponce Financial's current valuation and future prospects.
Latest Ponce Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Ponce Financial Group over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Ponce Financial Group financial statement analysis. It represents the amount of money remaining after all of Ponce Financial Group operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Ponce Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Ponce Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 10.97 M | 10 Years Trend |
|
Net Income |
| Timeline |
Ponce Net Income Regression Statistics
| Arithmetic Mean | 4,836,479 | |
| Coefficient Of Variation | 288.74 | |
| Mean Deviation | 8,927,321 | |
| Median | 2,536,000 | |
| Standard Deviation | 13,964,616 | |
| Sample Variance | 195T | |
| Range | 60.1M | |
| R-Value | 0.36 | |
| Mean Square Error | 181.7T | |
| R-Squared | 0.13 | |
| Significance | 0.16 | |
| Slope | 983,684 | |
| Total Sum of Squares | 3120.2T |
Ponce Net Income History
Other Fundumenentals of Ponce Financial Group
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Ponce Financial Net Income component correlations
Ponce Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Ponce Financial is extremely important. It helps to project a fair market value of Ponce Stock properly, considering its historical fundamentals such as Net Income. Since Ponce Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Ponce Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Ponce Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
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 | Quarterly Revenue Growth 0.396 | Return On Assets |
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.
| 11/24/2025 |
| 02/22/2026 |
If you would invest 0.00 in Ponce Financial on November 24, 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 | 1.35 | |||
| Information Ratio | 0.019 | |||
| Maximum Drawdown | 7.35 | |||
| Value At Risk | (2.24) | |||
| Potential Upside | 3.42 |
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 | 0.0578 | |||
| Jensen Alpha | 0.0281 | |||
| Total Risk Alpha | (0.05) | |||
| Sortino Ratio | 0.0226 | |||
| Treynor Ratio | 0.0977 |
Ponce Financial February 22, 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 | 0.0578 | |||
| Market Risk Adjusted Performance | 0.1077 | |||
| Mean Deviation | 1.22 | |||
| Semi Deviation | 1.25 | |||
| Downside Deviation | 1.35 | |||
| Coefficient Of Variation | 1451.76 | |||
| Standard Deviation | 1.61 | |||
| Variance | 2.61 | |||
| Information Ratio | 0.019 | |||
| Jensen Alpha | 0.0281 | |||
| Total Risk Alpha | (0.05) | |||
| Sortino Ratio | 0.0226 | |||
| Treynor Ratio | 0.0977 | |||
| Maximum Drawdown | 7.35 | |||
| Value At Risk | (2.24) | |||
| Potential Upside | 3.42 | |||
| Downside Variance | 1.83 | |||
| Semi Variance | 1.57 | |||
| Expected Short fall | (1.45) | |||
| Skewness | 0.5246 | |||
| Kurtosis | 0.5151 |
Ponce Financial Group Backtested Returns
At this point, Ponce Financial is very steady. Ponce Financial Group maintains Sharpe Ratio (i.e., Efficiency) of 0.0887, which implies the firm had a 0.0887 % return per unit of risk over the last 3 months. We have found thirty technical indicators for Ponce Financial Group, which you can use to evaluate the volatility of the company. Please check Ponce Financial's Risk Adjusted Performance of 0.0578, coefficient of variation of 1451.76, and Semi Deviation of 1.25 to confirm if the risk estimate we provide is consistent with the expected return of 0.14%. Ponce Financial has a performance score of 7 on a scale of 0 to 100. The company holds a Beta of 1.04, which implies a somewhat significant risk relative to the market. Ponce Financial returns are very sensitive to returns on the market. As the market goes up or down, Ponce Financial is expected to follow. Ponce Financial Group right now holds a risk of 1.53%. Please check Ponce Financial Group sortino ratio, semi variance, rate of daily change, as well as the relationship between the value at risk and kurtosis , to decide if Ponce Financial Group will be following its historical price patterns.
Auto-correlation | 0.56 |
Modest predictability
Ponce Financial Group has modest predictability. Overlapping area represents the amount of predictability between Ponce Financial time series from 24th of November 2025 to 8th of January 2026 and 8th of January 2026 to 22nd of February 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 0.56 indicates that roughly 56.0% of current Ponce Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.56 | |
| Spearman Rank Test | 0.84 | |
| Residual Average | 0.0 | |
| Price Variance | 0.08 |
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 |
Ponce Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
|
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 Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Ponce Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Ponce Financial's managers, analysts, and investors.Environmental | Governance | Social |
Ponce Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Ponce Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Ponce Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Ponce Financial's value.| Shares | Northern Trust Corp | 2025-06-30 | 157.1 K | Renaissance Technologies Corp | 2025-06-30 | 145.5 K | Alliancebernstein L.p. | 2025-06-30 | 134.3 K | Connor Clark & Lunn Inv Mgmt Ltd | 2025-06-30 | 74.1 K | Wittenberg Investment Management Inc | 2025-06-30 | 64.2 K | Charles Schwab Investment Management Inc | 2025-06-30 | 62.4 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 60.1 K | Los Angeles Capital Management Llc | 2025-06-30 | 59.5 K | Bank Of New York Mellon Corp | 2025-06-30 | 52.6 K | M3f, Inc. | 2025-06-30 | 2.3 M | T. Rowe Price Investment Management,inc. | 2025-06-30 | 2 M |
Ponce Fundamentals
| Return On Equity | 0.0548 | ||||
| Return On Asset | 0.0092 | ||||
| Profit Margin | 0.27 % | ||||
| Operating Margin | 0.45 % | ||||
| Current Valuation | 1.11 B | ||||
| Shares Outstanding | 22.93 M | ||||
| Shares Owned By Insiders | 19.02 % | ||||
| Shares Owned By Institutions | 47.68 % | ||||
| Number Of Shares Shorted | 271.31 K | ||||
| Price To Earning | 21.93 X | ||||
| Price To Book | 1.20 X | ||||
| Price To Sales | 3.63 X | ||||
| Revenue | 194.31 M | ||||
| Gross Profit | 105.44 M | ||||
| EBITDA | 43.03 M | ||||
| Net Income | 10.97 M | ||||
| Cash And Equivalents | 277.43 M | ||||
| Cash Per Share | 12.01 X | ||||
| Total Debt | 654.81 M | ||||
| Debt To Equity | 6.12 % | ||||
| Book Value Per Share | 13.86 X | ||||
| Cash Flow From Operations | 7.21 M | ||||
| Short Ratio | 3.96 X | ||||
| Earnings Per Share | 1.20 X | ||||
| Target Price | 18.5 | ||||
| Number Of Employees | 216 | ||||
| Beta | 0.55 | ||||
| Market Capitalization | 383 M | ||||
| Total Asset | 3.22 B | ||||
| Retained Earnings | 135.33 M | ||||
| Net Asset | 3.22 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.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.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:Check out You can also try the Cryptocurrency Center module to build and monitor diversified portfolio of extremely risky digital assets and cryptocurrency.
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 | Quarterly Revenue Growth 0.396 | Return On Assets |
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.