Ponce Financial Group, Inc. (PDLB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Ponce Financial Group, Inc.

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Why is Ponce Financial Group, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 7 consecutive quarters
OPERATING CASH FLOW(Y) Highest at USD 17.27 MM
NII(Q) Highest at USD 24.43 MM
ROCE(HY) Highest at 0.58%

With ROA of 0.31%, it has a attractive valuation with a 0.67 Price to Book Value

Over the past year, while the stock has generated a return of 25.47%, its profits have risen by 166.9% ; the PEG ratio of the company is 0.1

High Institutional Holdings at 48.33%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Market Beating Performance

The stock has generated a return of 25.47% in the last 1 year, much higher than market (S&P 500) returns of 12.33%

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Ponce Financial Group, Inc. should be less than 10%
Overall Portfolio exposure to Savings Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Savings Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Ponce Financial Group, Inc. for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Ponce Financial Group, Inc.

20.87%

3.00

26.30%

S&P 500

13.22%

0.61

20.17%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

27.76%

EBIT Growth (5y)

34.92%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

48.33%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.67

EV to EBIT

47.94

EV to EBITDA

35.25

EV to Capital Employed

0.80

EV to Sales

4.20

PEG Ratio

0.14

Dividend Yield

ROCE (Latest)

1.68%

ROE (Latest)

2.82%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

Bearish

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

25What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 17.27 MM

NII(Q)

Highest at USD 24.43 MM

ROCE(HY)

Highest at 0.58%

NET SALES(Q)

Highest at USD 45.86 MM

PRE-TAX PROFIT(Q)

Highest at USD 7.99 MM

NET PROFIT(Q)

Highest at USD 6.1 MM

EPS(Q)

Highest at USD 0.25

-2What is not working for the Company

ROCE(HY)

Lowest at 0.58%

Here's what is working for Ponce Financial Group, Inc.

NII

Highest at USD 24.43 MM and Grown

In each period in the last five periods

MOJO Watch

The bank's income from core business is increasing

Net NPA

Operating Cash Flow

Highest at USD 17.27 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Net Sales

Highest at USD 45.86 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Pre-Tax Profit

Highest at USD 7.99 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Pre-Tax Profit

At USD 7.99 MM has Grown at 82.07%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit

Highest at USD 6.1 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit

At USD 6.1 MM has Grown at 91.1%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

EPS

Highest at USD 0.25

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

Here's what is not working for Ponce Financial Group, Inc.

Non Operating Income

Highest at USD 0.05 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income

Capital Adequacy Ratio

Lowest at 12.49%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is deteriorating.

CAR (%)