Ponce Financial Group (PDLB) Financials

$11.13 +0.02 (+0.18%)

Closing price 04/17/2025 04:00 PM Eastern

Extended Trading

$11.14 +0.00 (+0.04%)

As of 04/17/2025 04:02 PM Eastern

Annual Income Statements for Ponce Financial Group

This table shows Ponce Financial Group's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Income / (Loss) Attributable to Common Shareholders	-30	3.35	10
Consolidated Net Income / (Loss)	-30	3.35	11
Net Income / (Loss) Continuing Operations	-30	3.35	11
Total Pre-Tax Income	-37	5.85	16
Total Revenue	73	75	84
Net Interest Income / (Expense)	67	65	76
Total Interest Income	83	126	163
Loans and Leases Interest Income	70	96	131
Investment Securities Interest Income	12	25	23
Deposits and Money Market Investments Interest Income	0.71	4.97	8.67
Total Interest Expense	16	61	86
Deposits Interest Expense	9.95	35	59
Long-Term Debt Interest Expense	6.20	25	27
Total Non-Interest Income	6.42	10	7.21
Trust Fees by Commissions	1.02	0.08	0.06
Other Service Charges	5.09	5.39	5.96
Net Realized & Unrealized Capital Gains on Investments	0.31	0.60	1.20
Other Non-Interest Income	0.00	4.16	0.00
Provision for Credit Losses	24	0.97	1.33
Total Non-Interest Expense	86	69	67
Salaries and Employee Benefits	28	31	31
Net Occupancy & Equipment Expense	18	20	19
Marketing Expense	0.59	0.83	0.71
Property & Liability Insurance Claims	0.87	1.02	1.10
Other Operating Expenses	39	16	15
Income Tax Expense	-6.85	2.50	4.71
Preferred Stock Dividends Declared	0.00	0.00	0.64
Basic Earnings per Share	($1.32)	$0.15	$0.46
Weighted Average Basic Shares Outstanding	22.69M	22.75M	22.43M
Diluted Earnings per Share	($1.32)	$0.15	$0.46
Weighted Average Diluted Shares Outstanding	22.69M	22.82M	22.55M
Weighted Average Basic & Diluted Shares Outstanding	24.86M	23.79M	23.97M

This table shows Ponce Financial Group's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Income / (Loss) Attributable to Common Shareholders	-15	-9.21	0.33	-0.09	2.59	0.52	2.41	3.12	2.15	2.65
Consolidated Net Income / (Loss)	-15	-9.21	0.33	-0.09	2.59	0.52	2.41	3.19	2.43	2.93
Net Income / (Loss) Continuing Operations	-15	-9.21	0.33	-0.09	2.59	0.52	2.41	3.19	2.43	2.93
Total Pre-Tax Income	-16	-12	0.88	-0.30	4.32	0.96	3.76	4.39	3.07	4.47
Total Revenue	19	17	17	18	22	18	21	20	20	23
Net Interest Income / (Expense)	18	16	15	16	17	17	19	18	19	21
Total Interest Income	22	25	26	31	34	35	40	39	41	43
Loans and Leases Interest Income	17	19	20	23	25	28	31	31	33	36
Investment Securities Interest Income	4.23	6.18	6.46	6.22	6.26	6.15	6.09	5.97	5.92	5.48
Deposits and Money Market Investments Interest Income	0.35	0.20	0.20	1.82	1.97	0.99	2.91	1.54	2.43	1.78
Total Interest Expense	4.02	8.77	11	15	17	18	21	21	22	22
Deposits Interest Expense	2.23	5.44	6.04	8.29	10	11	13	14	15	17
Long-Term Debt Interest Expense	1.79	3.33	5.07	6.48	6.96	6.94	7.92	7.14	6.83	5.58
Total Non-Interest Income	1.58	0.44	1.82	1.49	5.63	1.29	1.71	2.26	1.15	2.10
Trust Fees by Commissions	0.29	0.18	0.02	0.04	0.02	0.01	0.01	0.01	0.00	0.04
Other Service Charges	1.61	0.25	1.71	1.38	1.72	0.59	1.40	1.98	0.93	1.65
Net Realized & Unrealized Capital Gains on Investments	-0.32	0.01	0.10	0.08	0.17	0.24	0.30	0.27	0.22	0.40
Provision for Credit Losses	9.33	13	-0.17	0.99	0.54	-0.38	-0.18	-0.37	0.79	1.10
Total Non-Interest Expense	25	16	16	17	17	18	17	16	16	17
Salaries and Employee Benefits	7.38	6.50	7.45	7.43	7.57	8.26	7.84	7.72	7.67	7.67
Net Occupancy & Equipment Expense	4.61	5.04	4.76	4.93	5.17	4.79	4.79	4.58	4.89	5.01
Marketing Expense	0.21	0.26	0.13	0.30	0.25	0.15	0.10	0.15	0.18	0.29
Property & Liability Insurance Claims	0.30	0.27	0.27	0.25	0.26	0.25	0.25	0.26	0.29	0.29
Other Operating Expenses	13	3.70	3.76	4.18	4.08	4.45	3.96	3.44	3.28	4.01
Income Tax Expense	-0.82	-2.59	0.55	-0.22	1.73	0.44	1.35	1.20	0.64	1.53
Basic Earnings per Share	($0.64)	($0.40)	$0.01	$0.00	$0.12	$0.02	$0.11	$0.14	$0.10	$0.11
Weighted Average Basic Shares Outstanding	23.09M	22.69M	23.29M	23.21M	22.27M	22.75M	22.35M	22.41M	22.45M	22.43M
Diluted Earnings per Share	($0.64)	($0.40)	$0.01	$0.00	$0.12	$0.02	$0.11	$0.14	$0.10	$0.11
Weighted Average Diluted Shares Outstanding	23.09M	22.69M	23.32M	23.21M	22.35M	22.82M	22.37M	22.42M	22.61M	22.55M
Weighted Average Basic & Diluted Shares Outstanding	24.73M	24.86M	24.88M	23.65M	23.65M	23.79M	23.81M	23.81M	23.83M	23.97M

This table details how cash moves in and out of Ponce Financial Group's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Net Change in Cash & Equivalents	-100	85	0.65
Net Cash From Operating Activities	9.80	6.49	7.21
Net Cash From Continuing Operating Activities	9.80	6.49	7.21
Net Income / (Loss) Continuing Operations	-30	3.35	11
Consolidated Net Income / (Loss)	-30	3.35	11
Provision For Loan Losses	24	0.97	1.33
Depreciation Expense	4.27	4.53	4.74
Amortization Expense	0.34	-0.12	-0.12
Non-Cash Adjustments to Reconcile Net Income	13	2.25	4.32
Changes in Operating Assets and Liabilities, net	-2.02	-4.49	-14
Net Cash From Investing Activities	-777	-333	-295
Net Cash From Continuing Investing Activities	-777	-333	-295
Purchase of Property, Leasehold Improvements and Equipment	-0.49	-0.41	-2.72
Purchase of Investment Securities	-809	-397	-404
Sale and/or Maturity of Investments	31	64	112
Net Cash From Financing Activities	668	411	288
Net Cash From Continuing Financing Activities	668	411	288
Net Change in Deposits	48	255	377
Issuance of Debt	-	-	-88
Issuance of Preferred Equity	225	0.00	0.00
Issuance of Common Equity	0.00	0.00	0.00
Repayment of Debt	396	167	0.00
Repurchase of Common Equity	0.00	-11	0.00
Payment of Dividends	0.00	0.00	-0.59
Other Financing Activities, Net	-1.00	0.00	0.00
Cash Interest Paid	15	50	94
Cash Income Taxes Paid	0.17	1.01	2.18

This table details how cash moves in and out of Ponce Financial Group's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Net Change in Cash & Equivalents	-212	-8.16	130	59	-127	22	-4.47	-32	53	-16
Net Cash From Operating Activities	-12	-4.43	6.15	-5.86	7.06	-0.86	1.46	-2.55	-15	23
Net Cash From Continuing Operating Activities	-12	-4.43	6.15	-5.86	7.06	-0.86	1.46	-2.55	-15	23
Net Income / (Loss) Continuing Operations	-15	-9.21	0.33	-0.09	2.59	0.52	2.41	3.19	2.43	2.93
Consolidated Net Income / (Loss)	-15	-9.21	0.33	-0.09	2.59	0.52	2.41	3.19	2.43	2.93
Provision For Loan Losses	9.33	13	-0.17	0.99	0.54	-0.38	-0.18	-0.38	0.79	1.10
Depreciation Expense	0.44	2.90	0.74	1.54	0.97	1.28	0.67	1.59	1.22	1.25
Amortization Expense	0.07	0.13	-0.03	-0.03	-0.03	-0.03	-0.04	-0.03	-0.01	-0.04
Non-Cash Adjustments to Reconcile Net Income	6.17	-1.78	0.02	1.55	1.09	-0.41	1.15	1.34	0.99	0.84
Changes in Operating Assets and Liabilities, net	-14	-9.10	5.25	-9.82	1.91	-1.84	-2.56	-8.26	-20	17
Net Cash From Investing Activities	-354	-136	-91	-69	-80	-93	-80	-49	-97	-69
Net Cash From Continuing Investing Activities	-354	-136	-91	-69	-80	-93	-80	-49	-97	-69
Purchase of Property, Leasehold Improvements and Equipment	-0.15	-0.06	-0.24	-0.09	-0.04	-0.04	-1.78	-0.07	-0.40	-0.48
Purchase of Investment Securities	-495	-2.43	-112	-83	-93	-109	-90	-63	-142	-109
Sale and/or Maturity of Investments	141	-134	21	15	13	15	11	14	45	41
Net Cash From Financing Activities	154	132	215	134	-54	116	74	20	164	30
Net Cash From Continuing Financing Activities	154	132	215	134	-54	116	74	20	164	30
Net Change in Deposits	202	-99	84	105	-41	106	78	20	264	15
Issuance of Debt	-48	-	131	-	-	-	-4.00	-	-	16
Payment of Dividends	-	-	-	-	-	-	-	-	-0.28	-0.28
Cash Interest Paid	3.33	8.23	11	12	13	14	29	18	26	21
Cash Income Taxes Paid	0.35	-0.45	0.04	0.38	0.08	0.52	0.29	0.02	1.06	0.82

This table presents Ponce Financial Group's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2022	2023	2024
Total Assets	2,312	2,751	3,040
Cash and Due from Banks	32	29	35
Interest Bearing Deposits at Other Banks	22	110	104
Trading Account Securities	640	120	473
Loans and Leases, Net of Allowance	0.00	0.00	0.00
Loans Held for Sale	1.98	9.98	11
Premises and Equipment, Net	17	16	17
Other Assets	1,598	2,466	2,400
Total Liabilities & Shareholders' Equity	2,312	2,751	3,040
Total Liabilities	1,819	2,259	2,534
Non-Interest Bearing Deposits	1,252	1,508	1,885
Interest Bearing Deposits	9.72	11	10
Accrued Interest Payable	1.39	12	3.71
Long-Term Debt	517	684	596
Other Long-Term Liabilities	38	45	39
Commitments & Contingencies	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	493	491	506
Total Preferred & Common Equity	493	491	506
Preferred Stock	225	225	225
Total Common Equity	268	266	281
Common Stock	207	207	208
Retained Earnings	93	97	108
Treasury Stock	-0.00	-9.75	-7.71
Accumulated Other Comprehensive Income / (Loss)	-18	-16	-15
Other Equity Adjustments	-14	-13	-12

This table presents Ponce Financial Group's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024
Total Assets	2,158	2,540	2,672	2,624	2,819	2,842	3,016
Cash and Due from Banks	37	84	31	26	30	23	32
Interest Bearing Deposits at Other Banks	25	101	213	91	105	80	124
Trading Account Securities	626	620	606	588	569	113	111
Loans and Leases, Net of Allowance	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Loans Held for Sale	1,396	2.99	10	1,802	1,989	38	9.57
Premises and Equipment, Net	18	17	17	16	17	17	17
Other Assets	56	1,715	1,796	101	108	2,571	2,722
Total Liabilities & Shareholders' Equity	2,158	2,540	2,672	2,624	2,819	2,842	3,016
Total Liabilities	1,658	2,043	2,181	2,139	2,325	2,344	2,511
Non-Interest Bearing Deposits	1,351	1,337	1,442	1,401	1,586	1,606	1,870
Interest Bearing Deposits	11	15	12	14	13	11	14
Accrued Interest Payable	0.85	1.77	4.70	8.39	4.22	6.82	2.92
Long-Term Debt	286	648	682	675	680	680	580
Other Long-Term Liabilities	8.59	42	40	40	41	40	44
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	501	496	490	485	494	498	505
Total Preferred & Common Equity	501	496	490	485	494	498	505
Preferred Stock	225	225	225	225	225	225	225
Total Common Equity	276	271	265	260	269	273	280
Common Stock	206	207	208	208	208	208	209
Retained Earnings	102	94	94	97	100	103	105
Treasury Stock	0.00	-0.00	-5.20	-11	-9.70	-9.52	-9.45
Accumulated Other Comprehensive Income / (Loss)	-18	-17	-18	-20	-17	-17	-13
Other Equity Adjustments	-14	-14	-14	-13	-13	-12	-12

This table displays calculated financial ratios and metrics derived from Ponce Financial Group's official financial filings.

Metric	2022	2023	2024
Growth Metrics	-	-	-
Revenue Growth	-21.89%	3.38%	10.87%
EBITDA Growth	-189.01%	131.83%	97.85%
EBIT Growth	-209.58%	115.89%	167.98%
NOPAT Growth	-201.48%	113.00%	227.33%
Net Income Growth	-218.04%	111.17%	227.33%
EPS Growth	-187.42%	111.36%	206.67%
Operating Cash Flow Growth	-47.18%	-33.74%	11.07%
Free Cash Flow Firm Growth	-3,245.54%	77.61%	152.46%
Invested Capital Growth	225.20%	16.41%	-6.31%
Revenue Q/Q Growth	-20.95%	2.55%	5.48%
EBITDA Q/Q Growth	-800.25%	1,505.62%	20.62%
EBIT Q/Q Growth	-533.20%	184.70%	28.78%
NOPAT Q/Q Growth	-533.20%	169.30%	28.22%
Net Income Q/Q Growth	-416.55%	152.54%	28.22%
EPS Q/Q Growth	-4,300.00%	155.56%	24.32%
Operating Cash Flow Q/Q Growth	106.16%	122.52%	143.68%
Free Cash Flow Firm Q/Q Growth	0.00%	57.03%	1.77%
Invested Capital Q/Q Growth	28.34%	1.35%	1.53%
Profitability Metrics	-	-	-
EBITDA Margin	-44.15%	13.59%	24.26%
EBIT Margin	-50.46%	7.75%	18.74%
Profit (Net Income) Margin	-41.08%	4.44%	13.11%
Tax Burden Percent	81.42%	57.27%	69.95%
Interest Burden Percent	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	42.73%	30.05%
Return on Invested Capital (ROIC)	-3.91%	0.31%	0.96%
ROIC Less NNEP Spread (ROIC-NNEP)	-5.22%	0.31%	0.96%
Return on Net Nonoperating Assets (RNNOA)	-4.89%	0.37%	1.24%
Return on Equity (ROE)	-8.80%	0.68%	2.20%
Cash Return on Invested Capital (CROIC)	-109.83%	-14.86%	7.48%
Operating Return on Assets (OROA)	-1.86%	0.23%	0.54%
Return on Assets (ROA)	-1.51%	0.13%	0.38%
Return on Common Equity (ROCE)	-5.90%	0.37%	1.21%
Return on Equity Simple (ROE_SIMPLE)	-6.09%	0.68%	2.17%
Net Operating Profit after Tax (NOPAT)	-26	3.35	11
NOPAT Margin	-35.32%	4.44%	13.11%
Net Nonoperating Expense Percent (NNEP)	1.32%	0.00%	0.00%
SG&A Expenses to Revenue	63.34%	67.79%	60.80%
Operating Expenses to Revenue	117.53%	90.96%	79.67%
Earnings before Interest and Taxes (EBIT)	-37	5.85	16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-32	10	20
Valuation Ratios	-	-	-
Price to Book Value (P/BV)	0.86	0.87	1.10
Price to Tangible Book Value (P/TBV)	0.86	0.87	1.10
Price to Revenue (P/Rev)	3.16	3.06	3.70
Price to Earnings (P/E)	0.00	68.87	29.98
Dividend Yield	0.00%	0.00%	0.00%
Earnings Yield	0.00%	1.45%	3.34%
Enterprise Value to Invested Capital (EV/IC)	0.91	0.85	0.90
Enterprise Value to Revenue (EV/Rev)	12.58	13.26	11.84
Enterprise Value to EBITDA (EV/EBITDA)	0.00	97.56	48.82
Enterprise Value to EBIT (EV/EBIT)	0.00	171.04	63.18
Enterprise Value to NOPAT (EV/NOPAT)	0.00	298.65	90.32
Enterprise Value to Operating Cash Flow (EV/OCF)	93.73	154.18	137.42
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	11.63
Leverage & Solvency	-	-	-
Debt to Equity	1.05	1.39	1.18
Long-Term Debt to Equity	1.05	1.39	1.18
Financial Leverage	0.94	1.22	1.28
Leverage Ratio	5.81	5.14	5.81
Compound Leverage Factor	5.81	5.14	5.81
Debt to Total Capital	51.22%	58.21%	54.11%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	51.22%	58.21%	54.11%
Preferred Equity to Total Capital	22.28%	19.14%	20.42%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%
Common Equity to Total Capital	26.50%	22.66%	25.46%
Debt to EBITDA	-16.05	66.70	29.36
Net Debt to EBITDA	-14.36	53.14	22.47
Long-Term Debt to EBITDA	-16.05	66.70	29.36
Debt to NOPAT	-20.06	204.18	54.33
Net Debt to NOPAT	-17.95	162.66	41.58
Long-Term Debt to NOPAT	-20.06	204.18	54.33
Noncontrolling Interest Sharing Ratio	32.99%	45.73%	45.14%
Liquidity Ratios	-	-	-
Cash Flow Metrics	-	-	-
Free Cash Flow to Firm (FCFF)	-725	-162	85
Operating Cash Flow to CapEx	1,991.67%	1,579.81%	265.34%
Free Cash Flow to Firm to Interest Expense	-44.91	-2.68	0.99
Operating Cash Flow to Interest Expense	0.61	0.11	0.08
Operating Cash Flow Less CapEx to Interest Expense	0.58	0.10	0.05
Efficiency Ratios	-	-	-
Asset Turnover	0.04	0.03	0.03
Fixed Asset Turnover	3.94	4.51	5.10
Capital & Investment Metrics	-	-	-
Invested Capital	1,010	1,176	1,102
Invested Capital Turnover	0.11	0.07	0.07
Increase / (Decrease) in Invested Capital	699	166	-74
Enterprise Value (EV)	918	1,001	991
Market Capitalization	230	231	310
Book Value per Share	$10.83	$11.26	$11.77
Tangible Book Value per Share	$10.83	$11.26	$11.77
Total Capital	1,010	1,176	1,102
Total Debt	517	684	596
Total Long-Term Debt	517	684	596
Net Debt	463	545	456
Capital Expenditures (CapEx)	0.49	0.41	2.72
Net Nonoperating Expense (NNE)	4.21	0.00	0.00
Net Nonoperating Obligations (NNO)	517	684	596
Total Depreciation and Amortization (D&A)	4.61	4.41	4.62
Earnings Adjustments	-	-	-
Adjusted Basic Earnings per Share	($1.32)	$0.15	$0.46
Adjusted Weighted Average Basic Shares Outstanding	22.69M	22.75M	22.43M
Adjusted Diluted Earnings per Share	($1.32)	$0.15	$0.46
Adjusted Weighted Average Diluted Shares Outstanding	22.69M	22.82M	22.55M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	24.86M	23.79M	23.97M
Normalized Net Operating Profit after Tax (NOPAT)	-26	3.35	11
Normalized NOPAT Margin	-35.32%	4.44%	13.11%
Pre Tax Income Margin	-50.46%	7.75%	18.74%
Debt Service Ratios	-	-	-
EBIT to Interest Expense	-2.28	0.10	0.18
NOPAT to Interest Expense	-1.60	0.06	0.13
EBIT Less CapEx to Interest Expense	-2.31	0.09	0.15
NOPAT Less CapEx to Interest Expense	-1.63	0.05	0.10
Payout Ratios	-	-	-
Dividend Payout Ratio	0.00%	0.00%	5.36%
Augmented Payout Ratio	0.00%	328.43%	5.36%

This table displays calculated financial ratios and metrics derived from Ponce Financial Group's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	2.75%	-53.82%	-12.78%	0.61%	15.54%	11.32%	20.31%	13.44%	-9.00%	23.51%
EBITDA Growth	-471.91%	-144.19%	117.21%	44.90%	134.91%	125.15%	176.53%	392.29%	-18.46%	157.08%
EBIT Growth	-561.66%	-161.40%	108.98%	-206.71%	127.75%	108.13%	328.73%	1,553.31%	-28.88%	365.10%
NOPAT Growth	-630.73%	-155.16%	104.84%	-127.42%	123.78%	106.27%	629.31%	1,609.93%	-6.06%	466.22%
Net Income Growth	-818.23%	-161.51%	104.85%	-111.28%	117.57%	105.62%	629.31%	3,768.97%	-6.06%	466.22%
EPS Growth	-633.33%	-144.94%	103.23%	-100.00%	118.75%	105.00%	1,000.00%	0.00%	-16.67%	450.00%
Operating Cash Flow Growth	-3,581.68%	53.24%	-48.60%	-140.33%	157.62%	80.68%	-76.23%	56.44%	-306.16%	2,771.38%
Free Cash Flow Firm Growth	0.00%	0.00%	-87.34%	62.39%	53.57%	76.65%	96.37%	99.28%	120.94%	146.69%
Invested Capital Growth	0.00%	225.20%	190.68%	37.55%	47.40%	16.41%	2.59%	0.47%	-6.48%	-6.31%
Revenue Q/Q Growth	8.61%	-13.47%	2.78%	4.16%	24.73%	-16.63%	11.08%	-1.79%	0.06%	13.15%
EBITDA Q/Q Growth	-1,907.32%	41.67%	118.09%	-24.04%	335.46%	-57.97%	98.91%	35.23%	-27.87%	32.50%
EBIT Q/Q Growth	-5,597.53%	24.14%	107.43%	-134.44%	1,529.80%	-77.77%	291.67%	16.73%	-30.03%	45.39%
NOPAT Q/Q Growth	-1,512.53%	24.14%	104.01%	-163.87%	1,325.17%	-80.00%	366.02%	32.23%	-23.78%	20.55%
Net Income Q/Q Growth	-2,011.54%	37.48%	103.59%	-126.28%	3,077.01%	-80.00%	366.02%	32.23%	-23.78%	20.55%
EPS Q/Q Growth	-2,233.33%	37.50%	102.50%	-100.00%	0.00%	-83.33%	450.00%	27.27%	-28.57%	10.00%
Operating Cash Flow Q/Q Growth	-184.37%	63.86%	238.70%	-195.36%	220.53%	-112.12%	-95.43%	-274.74%	-470.43%	257.02%
Free Cash Flow Firm Q/Q Growth	6.31%	11.31%	-6.03%	57.31%	-15.66%	55.41%	83.49%	91.55%	3,467.23%	-0.56%
Invested Capital Q/Q Growth	-7.67%	28.34%	13.30%	2.46%	-1.06%	1.35%	-0.15%	0.34%	-7.90%	1.53%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	-78.46%	-52.89%	9.31%	6.79%	23.71%	11.95%	21.40%	29.47%	21.25%	24.88%
EBIT Margin	-81.08%	-71.09%	5.14%	-1.70%	19.48%	5.19%	18.31%	21.77%	15.22%	19.56%
Profit (Net Income) Margin	-76.81%	-55.50%	1.94%	-0.49%	11.68%	2.80%	11.76%	15.83%	12.06%	12.85%
Tax Burden Percent	94.73%	78.06%	37.74%	28.81%	59.98%	53.96%	64.20%	72.73%	79.23%	65.69%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	0.00%	0.00%	62.26%	0.00%	40.02%	46.04%	35.80%	27.27%	20.78%	34.31%
Return on Invested Capital (ROIC)	-13.32%	-5.50%	0.18%	-0.08%	0.88%	0.19%	0.80%	1.10%	0.85%	0.94%
ROIC Less NNEP Spread (ROIC-NNEP)	-16.01%	-5.80%	0.18%	-0.06%	0.88%	0.19%	0.80%	1.10%	0.85%	0.94%
Return on Net Nonoperating Assets (RNNOA)	-9.16%	-5.43%	0.17%	-0.06%	0.86%	0.24%	1.08%	1.51%	1.08%	1.21%
Return on Equity (ROE)	-22.48%	-10.94%	0.34%	-0.14%	1.74%	0.43%	1.88%	2.61%	1.93%	2.16%
Cash Return on Invested Capital (CROIC)	0.00%	-109.83%	-100.00%	-33.47%	-38.82%	-14.86%	-2.09%	0.27%	7.46%	7.48%
Operating Return on Assets (OROA)	-3.47%	-2.62%	0.18%	-0.05%	0.60%	0.15%	0.54%	0.64%	0.43%	0.57%
Return on Assets (ROA)	-3.29%	-2.04%	0.07%	-0.01%	0.36%	0.08%	0.35%	0.47%	0.34%	0.37%
Return on Common Equity (ROCE)	-12.38%	-7.33%	0.25%	-0.08%	0.95%	0.23%	1.02%	1.42%	1.05%	1.18%
Return on Equity Simple (ROE_SIMPLE)	-1.16%	0.00%	-4.61%	-4.83%	-1.32%	0.00%	1.10%	1.75%	1.70%	0.00%
Net Operating Profit after Tax (NOPAT)	-11	-8.26	0.33	-0.21	2.59	0.52	2.41	3.19	2.43	2.93
NOPAT Margin	-56.76%	-49.76%	1.94%	-1.19%	11.68%	2.80%	11.76%	15.83%	12.06%	12.85%
Net Nonoperating Expense Percent (NNEP)	2.69%	0.30%	0.00%	-0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	63.56%	71.07%	72.29%	71.23%	58.57%	71.39%	62.05%	61.73%	63.15%	56.79%
Operating Expenses to Revenue	132.46%	94.95%	95.88%	96.15%	78.11%	96.83%	82.56%	80.09%	80.87%	75.63%
Earnings before Interest and Taxes (EBIT)	-16	-12	0.88	-0.30	4.32	0.96	3.76	4.39	3.07	4.47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	-15	-8.78	1.59	1.21	5.26	2.21	4.39	5.94	4.29	5.68
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.82	0.86	0.72	0.81	0.71	0.87	0.79	0.80	1.00	1.10
Price to Tangible Book Value (P/TBV)	0.82	0.86	0.72	0.81	0.71	0.87	0.79	0.80	1.00	1.10
Price to Revenue (P/Rev)	2.45	3.16	2.77	3.06	2.51	3.06	2.68	2.68	3.51	3.70
Price to Earnings (P/E)	0.00	0.00	0.00	0.00	0.00	68.87	38.96	25.19	33.94	29.98
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.00%	0.00%	0.00%	0.00%	0.00%	1.45%	2.57%	3.97%	2.95%	3.34%
Enterprise Value to Invested Capital (EV/IC)	0.86	0.91	0.77	0.75	0.83	0.85	0.84	0.87	0.86	0.90
Enterprise Value to Revenue (EV/Rev)	7.31	12.58	12.53	12.45	13.15	13.26	12.44	12.54	11.69	11.84
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	0.00	0.00	0.00	97.56	75.19	57.29	55.13	48.82
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	0.00	0.00	171.04	112.46	75.96	76.19	63.18
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	0.00	0.00	0.00	298.65	180.76	117.04	108.45	90.32
Enterprise Value to Operating Cash Flow (EV/OCF)	142.09	93.73	221.69	0.00	331.75	154.18	543.38	199.35	0.00	137.42
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	316.93	11.09	11.63
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.57	1.05	1.31	1.39	1.39	1.39	1.38	1.37	1.15	1.18
Long-Term Debt to Equity	0.57	1.05	1.31	1.39	1.39	1.39	1.38	1.37	1.15	1.18
Financial Leverage	0.57	0.94	0.93	1.01	0.98	1.22	1.34	1.38	1.27	1.28
Leverage Ratio	4.31	5.81	5.20	4.67	4.85	5.14	5.41	5.58	5.70	5.81
Compound Leverage Factor	4.31	5.81	5.20	4.67	4.85	5.14	5.41	5.58	5.70	5.81
Debt to Total Capital	36.39%	51.22%	56.66%	58.17%	58.19%	58.21%	57.95%	57.76%	53.49%	54.11%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	36.39%	51.22%	56.66%	58.17%	58.19%	58.21%	57.95%	57.76%	53.49%	54.11%
Preferred Equity to Total Capital	28.59%	22.28%	19.66%	19.19%	19.39%	19.14%	19.16%	19.10%	20.74%	20.42%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	35.03%	26.50%	23.68%	22.64%	22.42%	22.66%	22.88%	23.14%	25.77%	25.46%
Debt to EBITDA	-79.97	-16.05	-30.28	-32.42	-924.79	66.70	52.08	38.22	34.49	29.36
Net Debt to EBITDA	-62.51	-14.36	-21.65	-20.83	-764.50	53.14	41.76	32.43	25.23	22.47
Long-Term Debt to EBITDA	-79.97	-16.05	-30.28	-32.42	-924.79	66.70	52.08	38.22	34.49	29.36
Debt to NOPAT	-70.31	-20.06	-35.35	-36.38	-139.57	204.18	125.19	78.08	67.83	54.33
Net Debt to NOPAT	-54.96	-17.95	-25.28	-23.38	-115.38	162.66	100.40	66.24	49.62	41.58
Long-Term Debt to NOPAT	-70.31	-20.06	-35.35	-36.38	-139.57	204.18	125.19	78.08	67.83	54.33
Noncontrolling Interest Sharing Ratio	44.94%	32.99%	28.28%	44.62%	45.65%	45.73%	45.47%	45.54%	45.47%	45.14%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-798	-708	-750	-320	-371	-165	-27	-2.30	78	77
Operating Cash Flow to CapEx	-7,961.04%	-7,510.17%	2,615.32%	-6,440.66%	16,054.55%	-2,087.80%	82.26%	-3,647.14%	-3,677.53%	4,803.99%
Free Cash Flow to Firm to Interest Expense	-198.35	-80.73	-67.53	-21.68	-21.84	-9.31	-1.31	-0.11	3.48	3.48
Operating Cash Flow to Interest Expense	-3.05	-0.51	0.55	-0.40	0.42	-0.05	0.07	-0.12	-0.65	1.03
Operating Cash Flow Less CapEx to Interest Expense	-3.09	-0.51	0.53	-0.40	0.41	-0.05	-0.02	-0.13	-0.67	1.01
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.03	0.03	0.03	0.03	0.03	0.03	0.03	0.03
Fixed Asset Turnover	5.20	3.94	3.86	3.95	4.30	4.51	4.56	4.81	4.77	5.10
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	787	1,010	1,144	1,173	1,160	1,176	1,174	1,178	1,085	1,102
Invested Capital Turnover	0.23	0.11	0.09	0.07	0.08	0.07	0.07	0.07	0.07	0.07
Increase / (Decrease) in Invested Capital	787	699	751	320	373	166	30	5.50	-75	-74
Enterprise Value (EV)	675	918	884	880	968	1,001	982	1,020	928	991
Market Capitalization	227	230	195	216	185	231	212	218	278	310
Book Value per Share	$11.15	$10.83	$10.90	$10.67	$10.99	$11.26	$11.29	$11.45	$11.74	$11.77
Tangible Book Value per Share	$11.15	$10.83	$10.90	$10.67	$10.99	$11.26	$11.29	$11.45	$11.74	$11.77
Total Capital	787	1,010	1,144	1,173	1,160	1,176	1,174	1,178	1,085	1,102
Total Debt	286	517	648	682	675	684	680	680	580	596
Total Long-Term Debt	286	517	648	682	675	684	680	680	580	596
Net Debt	224	463	464	438	558	545	546	577	425	456
Capital Expenditures (CapEx)	0.15	0.06	0.24	0.09	0.04	0.04	1.78	0.07	0.40	0.48
Net Nonoperating Expense (NNE)	3.85	0.95	0.00	-0.12	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	286	517	648	682	675	684	680	680	580	596
Total Depreciation and Amortization (D&A)	0.50	3.02	0.71	1.51	0.94	1.25	0.63	1.55	1.22	1.21
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.64)	($0.40)	$0.01	$0.00	$0.12	$0.02	$0.11	$0.14	$0.10	$0.11
Adjusted Weighted Average Basic Shares Outstanding	23.09M	22.69M	23.29M	23.21M	22.27M	22.75M	22.35M	22.41M	22.45M	22.43M
Adjusted Diluted Earnings per Share	($0.64)	($0.40)	$0.01	$0.00	$0.12	$0.02	$0.11	$0.14	$0.10	$0.11
Adjusted Weighted Average Diluted Shares Outstanding	23.09M	22.69M	23.32M	23.21M	22.35M	22.82M	22.37M	22.42M	22.61M	22.55M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	24.73M	24.86M	24.88M	23.65M	23.65M	23.79M	23.81M	23.81M	23.83M	23.97M
Normalized Net Operating Profit after Tax (NOPAT)	-11	-8.26	0.61	-0.21	2.59	0.52	2.41	3.19	2.43	2.93
Normalized NOPAT Margin	-56.76%	-49.76%	3.60%	-1.19%	11.68%	2.80%	11.76%	15.83%	12.06%	12.85%
Pre Tax Income Margin	-81.08%	-71.09%	5.14%	-1.70%	19.48%	5.19%	18.31%	21.77%	15.22%	19.56%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	-3.87	-1.35	0.08	-0.02	0.25	0.05	0.18	0.21	0.14	0.20
NOPAT to Interest Expense	-2.71	-0.94	0.03	-0.01	0.15	0.03	0.12	0.15	0.11	0.13
EBIT Less CapEx to Interest Expense	-3.91	-1.35	0.06	-0.03	0.25	0.05	0.10	0.21	0.12	0.18
NOPAT Less CapEx to Interest Expense	-2.75	-0.95	0.01	-0.02	0.15	0.03	0.03	0.15	0.09	0.11
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	5.36%
Augmented Payout Ratio	0.00%	0.00%	0.00%	-21.93%	-172.55%	328.43%	0.00%	66.66%	0.00%	5.36%

Frequently Asked Questions About Ponce Financial Group's Financials

When does Ponce Financial Group's fiscal year end?

According to the most recent income statement we have on file, Ponce Financial Group's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Ponce Financial Group's net income changed over the last 2 years?

Ponce Financial Group's net income appears to be on a downward trend, with a most recent value of $10.97 million in 2024, falling from -$30.00 million in 2022. The previous period was $3.35 million in 2023.

How has Ponce Financial Group revenue changed over the last 2 years?

Over the last 2 years, Ponce Financial Group's total revenue changed from $73.02 million in 2022 to $83.69 million in 2024, a change of 14.6%.

How much debt does Ponce Financial Group have?

Ponce Financial Group's total liabilities were at $2.53 billion at the end of 2024, a 12.2% increase from 2023, and a 39.3% increase since 2022.

How much cash does Ponce Financial Group have?

In the past 2 years, Ponce Financial Group's cash and equivalents has ranged from $28.93 million in 2023 to $35.48 million in 2024, and is currently $35.48 million as of their latest financial filing in 2024.

How has Ponce Financial Group's book value per share changed over the last 2 years?

Over the last 2 years, Ponce Financial Group's book value per share changed from 10.83 in 2022 to 11.77 in 2024, a change of 8.7%.

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This page (NASDAQ:PDLB) was last updated on 4/18/2025 by MarketBeat.com Staff

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Ponce Financial Group (PDLB) Financials

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