| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | — | — | — | — | — |
| Sell | — | — | — | — | 1 | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2023 | ‡‡‡ |
|
| 2022 | ‡‡‡ |
|
| 2021 | ‡‡‡ |
|
| 2020 | ‡‡‡ |
|
| 2019 | ‡‡‡ |
|
| 2017 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 139.19 | 139.84 | 126.15 | 140.01 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 2,063.07 | 2,454.95 | 2,746.71 | 3,042.74 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 1,507.62 | 1,895.21 | 2,046.64 | 2,271.81 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 1,519.59 | 1,898.93 | 2,050.42 | 2,275.65 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 50.70 | 53.18 | — | — |
—
|
| ’25 | 46.38 | 47.92 | 48.34 | 52.30 |
194.94
|
| ’24 | 41.37 | 41.05 | 42.44 | 44.98 |
169.85
|
| ’23 | 28.18 | 32.55 | 39.13 | 36.24 |
136.09
|
| ’22 | 21.24 | 19.35 | 23.21 | 25.37 |
89.17
|
| ’21 | 19.07 | 24.19 | 20.66 | 37.82 |
101.74
|
| ’20 | 13.65 | 12.97 | 20.86 | 19.11 |
66.59
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 13.88 | 8.04 | — | — |
—
|
| ’25 | 13.09 | 6.17 | 1.39 | 34.94 |
55.59
|
| ’24 | 1.46 | (2.55) | (14.56) | 22.87 |
7.21
|
| ’23 | 6.15 | (5.86) | 7.06 | (0.86) |
6.49
|
| ’22 | 11.96 | 14.53 | (12.26) | (4.43) |
9.80
|
| ’21 | 22.61 | 5.75 | (0.33) | (9.48) |
18.55
|
| ’20 | 1.26 | (5.12) | 1.23 | (24.87) |
(27.50)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 13.83 | 8.04 | — | — |
—
|
| ’25 | 12.93 | 5.92 | 0.79 | 34.98 |
54.62
|
| ’24 | (0.31) | (2.62) | (14.96) | 22.39 |
4.49
|
| ’23 | 5.91 | (5.95) | 7.02 | (0.90) |
6.08
|
| ’22 | 11.83 | 14.38 | (12.41) | (4.49) |
9.31
|
| ’21 | 21.29 | 8.66 | (1.03) | 23.08 |
52.00
|
| ’20 | 0.92 | (5.37) | 5.22 | (25.43) |
(24.66)
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.36 | 0.35 | — | — |
—
|
| ’25 | 0.25 | 0.25 | 0.27 | 0.42 |
1.20
|
| ’24 | 0.11 | 0.14 | 0.10 | 0.12 |
0.46
|
| ’23 | 0.01 | 0.00 | 0.12 | 0.02 |
0.15
|
| ’22 | (0.31) | 0.03 | (0.64) | (0.40) |
(1.32)
|
| ’21 | 0.15 | 0.35 | 0.12 | 0.89 |
1.51
|
| ’20 | (0.07) | (0.03) | 0.24 | 0.10 |
0.23
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 9.04 | 6.51 | 7.89 | 10.88 | — | — | — |
Low Price
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 11.16 | 10.19 | 13.43 | 18.01 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 253 | 237 | 218 | 216 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.35 | 0.57 | 0.78 | 0.90 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 89.17 | 136.09 | 169.85 | 194.94 | — | — | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 81.89% | 55.47% | 49.27% | 56.03% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (36.85) | 5.85 | 15.69 | 38.43 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (41.32%) | 4.30% | 9.23% | 19.71% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (30.00) | 3.35 | 10.97 | 28.70 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.61 | 4.41 | 4.62 | 4.76 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.93 | 5.98 | 7.57 | 8.57 | ‡‡‡ | ‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | (1.32) | 0.15 | 0.46 | 1.21 | ‡‡‡‡‡ | ‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.43 | 0.29 | 0.32 | 2.44 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.02) | (0.02) | (0.12) | (0.04) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.41 | 0.27 | 0.20 | 2.40 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 21.71 | 21.60 | 22.53 | 23.81 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 22.69 | 22.75 | 22.43 | 22.75 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.00 | 63.33 | 27.66 | 13.51 | ‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.42 | 1.59 | 1.72 | 1.91 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.81 | 0.81 | 1.04 | 1.17 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.72 | 5.60 | 4.41 | 4.32 | — | — | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 93.13 | 125.34 | 166.65 | 15.43 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.80 | 6.49 | 7.21 | 55.59 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.49) | (0.41) | (2.72) | (0.98) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.31 | 6.08 | 4.49 | 54.62 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 310.71 | 543.48 | 556.02 | 696.28 | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 705.38 | 684.42 | 596.10 | 596.10 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 651.02 | 545.23 | 456.26 | 469.95 | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 492.70 | 491.40 | 505.50 | 541.55 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.51%) | 0.13% | 0.36% | 0.88% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.01%) | 0.35% | 1.02% | 2.37% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (13.13%) | 1.26% | 3.78% | 9.24% | — | — | — |
ROE
|
Ponce Financial Group (PDLB), a New York-based lender focused on the Hispanic community, has delivered explosive revenue growth—from $53 million in 2019 to $170 million in 2024, with a 30%+ CAGR—fueled by loan and deposit expansion in underserved markets and efficient scaling that boosted revenue per employee to nearly $780,000. Despite earnings volatility from COVID-19 losses in 2020 and a $30 million net loss in 2022 amid Fed rate hikes, the company rebounded sharply, posting $11 million net income and 3.8% ROE in 2024, alongside a 142% rise in book value per share to $22.53.
Valuation appears compelling, with shares trading at 28x earnings, 1.7x sales, and 1.04x book—near tangible value for a community bank—while stock highs reached $13.43 in 2024, reflecting optimism on revenue momentum over short-term swings. Analysts forecast a dramatic inflection, with net income surging to $24 million in 2025 (+119%) and $238 million in 2026 (EPS $10.22), driven by potential rate relief, portfolio gains, or M&A, implying 12% upside and forward PE compression to 16x.
This niche grower’s resilience echoes historical banking recoveries post-downturns, positioning PDLB for outperformance if debt moderates and margins repair amid easing macro pressures—though execution risks warrant caution.
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