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
No risks detected for PDLB from our risk checks.
Flawless balance sheet with acceptable track record.
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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: PDLB's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: PDLB underperformed the US Mortgage industry which returned 54.9% over the past year.
Return vs Market: PDLB underperformed the US Market which returned 50.8% over the past year.
Long-Term 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
4 days ago | Simply Wall StWhat Kind Of Shareholders Hold The Majority In PDL Community Bancorp's (NASDAQ:PDLB) Shares?
1 month ago | Simply Wall StIf You Had Bought PDL Community Bancorp's (NASDAQ:PDLB) Shares Three Years Ago You Would Be Down 25%
3 months ago | Simply Wall StDo Institutions Own PDL Community Bancorp (NASDAQ:PDLB) Shares?
Is PDL Community Bancorp undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) 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 poor value based on its PE Ratio (25.4x) compared to the US Mortgage industry average (12.8x).
PE vs Market: PDLB is poor value based on its PE Ratio (25.4x) compared to the US market (19.8x).
Price to Earnings Growth Ratio
PEG Ratio: PDLB is poor value based on its PEG Ratio (2.1x)
Price to Book Ratio
PB vs Industry: PDLB is overvalued based on its PB Ratio (1.2x) compared to the US Mortgage industry average (1x).
How is PDL Community Bancorp forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PDLB's forecast earnings growth (12.1% per year) is above the savings rate (2%).
Earnings vs Market: PDLB's earnings (12.1% per year) are forecast to grow slower than the US market (14.6% per year).
High Growth Earnings: PDLB's earnings are forecast to grow, but not significantly.
Revenue vs Market: PDLB's revenue is expected to decline over the next 3 years (-2.1% per year).
High Growth Revenue: PDLB's revenue is forecast to decline over the next 3 years (-2.1% 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
How has PDL Community Bancorp performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PDLB has high quality earnings.
Growing Profit Margin: PDLB became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: PDLB has become profitable over the past 5 years, growing earnings by -6.3% per year.
Accelerating Growth: PDLB has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: PDLB has become profitable in the last year, making it difficult to compare its past year earnings growth to the Mortgage industry (24.4%).
Return on Equity
High ROE: PDLB's Return on Equity (4.7%) is considered low.
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
Financial Institutions Analysis
Asset Level: PDLB's Assets to Equity ratio (8.9x) is low.
Allowance for Bad Loans: PDLB has a sufficient allowance for bad loans (126%).
Low Risk Liabilities: 89% 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 (86%).
Low Risk Deposits: PDLB's Loans to Deposits ratio (108%) is appropriate.
Level of Bad Loans: PDLB has an appropriate level of bad loans (1%).
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Carlos Naudon (69 yo)
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 ($USD1.06M) is about average for companies of similar size in the US market ($USD1.06M).
Compensation vs Earnings: Carlos's compensation has been consistent with company performance over the past year.
Experienced Management: PDLB's management team is considered experienced (3.7 years average tenure).
Experienced Board: PDLB's board of directors are considered experienced (8 years average tenure).
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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PDL Community Bancorp's company bio, employee growth, exchange listings and data sources
- Name: PDL Community Bancorp
- Ticker: PDLB
- Exchange: NasdaqGM
- Founded: 1960
- Industry: Thrifts and Mortgage Finance
- Sector: Banks
- Market Cap: US$193.138m
- Shares outstanding: 16.81m
- Website: https://www.poncebank.com
Number of Employees
- PDL Community Bancorp
- 2244 Westchester Avenue
- New York
- United States
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 provides deposit accou...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/17 22:45|
|End of Day Share Price||2021/05/17 00:00|
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.