Ponce Financial Valuation
| PDLB Stock | USD 16.86 0.05 0.30% |
At this time, the company appears to be undervalued. Ponce Financial Group holds a recent Real Value of $18.99 per share. The prevailing price of the company is $16.86. Our model determines the value of Ponce Financial Group from analyzing the company fundamentals such as Operating Margin of 0.45 %, return on equity of 0.0548, and Shares Outstanding of 22.93 M as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Ponce Financial's valuation include:
Undervalued
Today
Please note that Ponce Financial's price fluctuation is very steady at this time. Calculation of the real value of Ponce Financial Group is based on 3 months time horizon. Increasing Ponce Financial's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Ponce Financial is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Ponce Stock. However, Ponce Financial's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 16.86 | Real 18.99 | Target 18.5 | Hype 16.86 | Naive 17.15 |
The real value of Ponce Stock, also known as its intrinsic value, is the underlying worth of Ponce Financial Group Company, which is reflected in its stock price. It is based on Ponce Financial's financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Ponce Financial's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Ponce Financial Group helps investors to forecast how Ponce stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Ponce Financial more accurately as focusing exclusively on Ponce Financial's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Ponce Financial's intrinsic value based on its ongoing forecasts of Ponce Financial's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Ponce Financial's closest peers. If more than one evaluation category is relevant for Ponce Financial we suggest using both methods to arrive at a better estimate.
Ponce Financial Cash |
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Ponce Revenue by Product
Ponce Financial Total Value Analysis
Ponce Financial Group is at this time expected to have valuation of 1.11 B with market capitalization of 387.36 M, debt of 654.81 M, and cash on hands of 277.43 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Ponce Financial fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
1.11 B | 387.36 M | 654.81 M | 277.43 M |
Ponce Financial Investor Information
About 19.0% of the company outstanding shares are owned by corporate insiders. The company has price-to-book ratio of 1.23. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Ponce Financial Group last dividend was issued on the 31st of May 2018. The entity had 1395:1000 split on the 28th of January 2022. Ponce Financial Group is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.Ponce Financial Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Ponce suggests not a very effective usage of assets in February.Ponce Financial Profitability Analysis
Taking into consideration Ponce Financial's profitability measurements, Ponce Financial Group is performing exceptionally good at this time. It has a great probability to showcase excellent profitability results in March. Profitability indicators assess Ponce Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 2015-12-31 | Previous Quarter 6.5 M | Current Value 10.1 M | Quarterly Volatility 4.9 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.77 | 0.545 |
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For Ponce Financial profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Ponce Financial Group to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Ponce Financial utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Ponce Financial's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Ponce Financial over time as well as its relative position and ranking within its peers.
Ponce Financial Earnings per Share Projection vs Actual
The next projected EPS of Ponce Financial is estimated to be 0.27 with future projections ranging from a low of 0.27 to a high of 0.27. Ponce Financial's most recent 12-month trailing earnings per share (EPS TTM) is at 1.2. Please be aware that the consensus of earnings estimates for Ponce Financial Group is based on EPS before non-recurring items and includes expenses related to employee stock options.Ponce Financial Earnings Estimation Breakdown
The calculation of Ponce Financial's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Ponce Financial is estimated to be 0.27 with the future projection ranging from a low of 0.27 to a high of 0.27. Please be aware that this consensus of annual earnings estimates for Ponce Financial Group is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.27 Lowest | Expected EPS | 0.27 Highest |
Ponce Financial Earnings Projection Consensus
Suppose the current estimates of Ponce Financial's value are higher than the current market price of the Ponce Financial stock. In this case, investors may conclude that Ponce Financial is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Ponce Financial's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of March 2026 | Current EPS (TTM) | |
| 1 | 35.41% | 0.42 | 0.27 | 1.2 |
Ponce Financial Ownership Allocation
Ponce Financial owns a total of 22.93 Million outstanding shares. 30% of Ponce Financial Group outstanding shares are owned by third-party entities. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Consequently, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Please note that no matter how many assets the company maintains, if the real value of the company is less than the current market value, you may not be able to make money on it.Ponce Financial Profitability Analysis
The company reported the previous year's revenue of 194.31 M. Net Income was 10.97 M with profit before overhead, payroll, taxes, and interest of 105.44 M.Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Ponce Financial's worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Ponce Financial and how it compares across the competition.
About Ponce Financial Valuation
The stock valuation mechanism determines Ponce Financial's current worth on a weekly basis. Our valuation model uses a comparative analysis of Ponce Financial. We calculate exposure to Ponce Financial's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Ponce Financial's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 105.9 M | 58.8 M | |
| Pretax Profit Margin | 0.20 | 0.21 | |
| Operating Profit Margin | 0.20 | 0.21 | |
| Net Profit Margin | 0.15 | 0.16 | |
| Gross Profit Margin | 0.54 | 0.77 |
Ponce Financial Quarterly Retained Earnings |
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Ponce Financial Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 23.3 M | |
| Quarterly Earnings Growth Y O Y | 2.569 | |
| Forward Price Earnings | 49.2611 |
Ponce Financial Current Valuation Indicators
Valuation refers to the process of determining the present value of Ponce Financial Group and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Ponce we look at many different elements of the entity such as Ponce's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Ponce Financial, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Ponce Financial's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Ponce Financial's worth.Complementary Tools for Ponce Stock analysis
When running Ponce Financial's price analysis, check to measure Ponce Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Ponce Financial is operating at the current time. Most of Ponce Financial's value examination focuses on studying past and present price action to predict the probability of Ponce Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Ponce Financial's price. Additionally, you may evaluate how the addition of Ponce Financial to your portfolios can decrease your overall portfolio volatility.
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