ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Ponce Financial Group, Inc. ?
1
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 7 consecutive quarters
- NII(Q) Highest at USD 27.93 MM
- OPERATING CASH FLOW(Y) Highest at USD 15.23 MM
- ROCE(HY) Highest at 0.91%
2
With ROA of 0.67%, it has a very attractive valuation with a 0.78 Price to Book Value
- Over the past year, while the stock has generated a return of 28.24%, its profits have risen by 161.6% ; the PEG ratio of the company is 0.1
3
High Institutional Holdings at 49.5%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
4
Market Beating Performance
- The stock has generated a return of 28.24% in the last 1 year, much higher than market (S&P 500) returns of 14.90%
Real-Time Research ReportHow 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.
28.24%
3.13
26.41%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
28.31%
EBIT Growth (5y)
42.33%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
49.50%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.78
EV to EBIT
25.34
EV to EBITDA
22.90
EV to Capital Employed
0.88
EV to Sales
4.59
PEG Ratio
0.09
Dividend Yield
NA
ROCE (Latest)
3.47%
ROE (Latest)
5.30%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Sideways
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend33What is working for the Company
NII(Q)
Highest at USD 27.93 MM
OPERATING CASH FLOW(Y)
Highest at USD 15.23 MM
ROCE(HY)
Highest at 0.91%
NET SALES(Q)
Highest at USD 48.82 MM
PRE-TAX PROFIT(Q)
Highest at USD 13.7 MM
NET PROFIT(Q)
Highest at USD 10.14 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 128.24%
OPERATING PROFIT(Q)
Highest at USD 13.27 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.19 %
EPS(Q)
Highest at USD 0.42
-4What is not working for the Company
ROCE(HY)
Lowest at 0.91%
GROSS NPA (%)
(Q
Here's what is working for Ponce Financial Group, Inc.
Pre-Tax Profit
At USD 13.7 MM has Grown at 206.85%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 10.14 MM has Grown at 245.58%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 27.93 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at USD 48.82 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 13.7 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.14 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 15.23 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Operating Profit
Highest at USD 13.27 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 27.19 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at USD 0.42
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 128.24%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Ponce Financial Group, Inc.
Non Performing Loans (%)
Highest at 1.01%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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