NasdaqGM:PDLB

Stock Analysis Report

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Executive Summary

PDL Community Bancorp operates as the holding company for Ponce Bank that provides various banking products and services primarily in the New York City metropolitan area. More Details

Rewards

Earnings are forecast to grow 164.71% per year

Risk Analysis

No risks detected for PDLB from our risk checks.


Snowflake Analysis

Flawless balance sheet with moderate growth potential.


Similar Companies

Share Price & News

How has PDL Community Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: PDLB has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

-6.8%

PDLB

-6.7%

US Mortgage

-4.1%

US Market


1 Year Return

-32.0%

PDLB

-20.7%

US Mortgage

12.0%

US Market

Return vs Industry: PDLB underperformed the US Mortgage industry which returned -20.7% over the past year.

Return vs Market: PDLB underperformed the US Market which returned 12% over the past year.


Shareholder returns

PDLBIndustryMarket
7 Day-6.8%-6.7%-4.1%
30 Day6.0%1.9%-0.2%
90 Day2.7%1.5%2.8%
1 Year-32.0%-32.0%-18.4%-20.7%14.6%12.0%
3 Year-37.7%-37.7%9.6%0.5%35.8%26.8%
5 Yearn/a16.8%1.6%75.2%55.6%

Price Volatility Vs. Market

How volatile is PDL Community Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is PDL Community Bancorp undervalued compared to its fair value and its price relative to the market?

1.01x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate PDLB's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate PDLB's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: PDLB is unprofitable, so we can't compare its PE Ratio to the US Mortgage industry average.

PE vs Market: PDLB is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PDLB's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PDLB is overvalued based on its PB Ratio (1x) compared to the US Mortgage industry average (0.8x).


Next Steps

Future Growth

How is PDL Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

164.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PDLB is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).

Earnings vs Market: PDLB is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: PDLB's is expected to become profitable in the next 3 years.

Revenue vs Market: PDLB's revenue is expected to decline over the next 3 years (-2.4% per year).

High Growth Revenue: PDLB's revenue is forecast to decline over the next 3 years (-2.4% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if PDLB's Return on Equity is forecast to be high in 3 years time


Next Steps

  • Explore growth companies in the Banks industry.

Past Performance

How has PDL Community Bancorp performed over the past 5 years?

-47.3%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PDLB is currently unprofitable.

Growing Profit Margin: PDLB is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: PDLB is unprofitable, and losses have increased over the past 5 years at a rate of 47.3% per year.

Accelerating Growth: Unable to compare PDLB's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: PDLB is unprofitable, making it difficult to compare its past year earnings growth to the Mortgage industry (6.2%).


Return on Equity

High ROE: PDLB has a negative Return on Equity (-5.5%), as it is currently unprofitable.


Next Steps

Financial Health

How is PDL Community Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: PDLB's Assets to Equity ratio (7.9x) is low.

Allowance for Bad Loans: PDLB has a sufficient allowance for bad loans (131%).

Low Risk Liabilities: 88% of PDLB's liabilities are made up of primarily low risk sources of funding.

Loan Level: PDLB has an appropriate level of Loans to Assets ratio (88%).

Low Risk Deposits: PDLB's Loans to Deposits ratio (115%) is appropriate.

Level of Bad Loans: PDLB has an appropriate level of bad loans (1%).


Next Steps

Dividend

What is PDL Community Bancorp current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate PDLB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate PDLB's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if PDLB's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PDLB's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PDLB's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.1yrs

Average management tenure


CEO

Carlos Naudon (69 yo)

3.08yrs

Tenure

US$1,029,516

Compensation

Mr. Carlos P. Naudon serves as Director at Mortgage World Bankers, Inc. since July 10, 2020. He has been President of Ponce Bank (MHC) since 2015 and its CEO since July 2019 and Director since 2014. He ser ...


CEO Compensation Analysis

Compensation vs Market: Carlos's total compensation ($USD1.03M) is about average for companies of similar size in the US market ($USD1.36M).

Compensation vs Earnings: Carlos's compensation has been consistent with company performance over the past year.


Leadership Team

NamePositionTenureCompensationOwnership
Steven Tsavaris
Executive Chairman of the Board3.08yrsUS$1.00m0.52%
$ 807.5k
Carlos Naudon
President3.08yrsUS$1.03m0.40%
$ 617.9k
Frank Perez
Executive VP & CFO3.08yrsUS$345.33k0.020%
$ 30.3k
Elizabeth Macias
Chief Information Systems Officer & Senior VPno datano data0.018%
$ 28.0k
Madeline Marquez
Chief External Affairs Officer3.58yrsno datano data
David Rodriguez
Chief Relationship Manager & Senior VPno datano data0.0050%
$ 7.8k
Michael Lagoudis
Senior Vice President0.25yrno datano data
Ioannis Kouzilos
Chief Lending Officer & Senior VP3.58yrsno datano data

3.1yrs

Average Tenure

64yo

Average Age

Experienced Management: PDLB's management team is considered experienced (3.1 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Steven Tsavaris
Executive Chairman of the Board3.08yrsUS$1.00m0.52%
$ 807.5k
Carlos Naudon
President3.08yrsUS$1.03m0.40%
$ 617.9k
James Demetriou
Independent Director11.75yrsUS$87.50k0.21%
$ 330.5k
William Feldman
Independent Director27.75yrsUS$80.01k0.22%
$ 336.1k
Julio Gurman
Independent Director26.75yrsUS$80.01k0.22%
$ 336.1k
Nick Lugo
Independent Director21.75yrsUS$66.69k0.34%
$ 523.1k
María Alvarez
Independent Director1.75yrsUS$504.11k0.0062%
$ 9.6k

11.8yrs

Average Tenure

73yo

Average Age

Experienced Board: PDLB's board of directors are seasoned and experienced ( 11.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

PDL Community Bancorp's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PDL Community Bancorp
  • Ticker: PDLB
  • Exchange: NasdaqGM
  • Founded: 1960
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$155.399m
  • Shares outstanding: 16.62m
  • Website: https://www.poncebank.com

Number of Employees


Location

  • PDL Community Bancorp
  • 2244 Westchester Avenue
  • Bronx
  • New York
  • 10462
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PDLBNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDOct 2017

Biography

PDL Community Bancorp operates as the holding company for Ponce Bank that provides various banking products and services primarily in the New York City metropolitan area. The company offers a range of depo ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/30 04:09
End of Day Share Price2020/10/29 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.