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PDL Community Bancorp

Nasdaq:PDLB
Snowflake Description

Flawless balance sheet with moderate growth potential.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PDLB
Nasdaq
$250M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

PDL Community Bancorp provides various banking products and services primarily in the New York City metropolitan area. The last earnings update was 66 days ago. More info.


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PDLB Share Price and Events
7 Day Returns
-1.9%
NasdaqGM:PDLB
-0.4%
US Mortgage
0.6%
US Market
1 Year Returns
-7.1%
NasdaqGM:PDLB
2.2%
US Mortgage
4.1%
US Market
PDLB Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
PDL Community Bancorp (PDLB) -1.9% 1.1% 0% -7.1% - -
US Mortgage -0.4% 1.8% 1.2% 2.2% 32.7% 44.9%
US Market 0.6% 3.8% 2.8% 4.1% 37.3% 42.5%
1 Year Return vs Industry and Market
  • PDLB underperformed the Mortgage industry which returned 2.2% over the past year.
  • PDLB underperformed the Market in United States of America which returned 4.1% over the past year.
Price Volatility
Industry
5yr Volatility vs Market

PDLB Value

 Is PDL Community Bancorp undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for PDL Community Bancorp. This is due to cash flow or dividend data being unavailable. The share price is $14.17.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for PDL Community Bancorp's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are PDL Community Bancorp's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGM:PDLB PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $0.13
NasdaqGM:PDLB Share Price ** NasdaqGM (2019-07-17) in USD $14.17
United States of America Mortgage Industry PE Ratio Median Figure of 129 Publicly-Listed Mortgage Companies 14.32x
United States of America Market PE Ratio Median Figure of 3,082 Publicly-Listed Companies 17.98x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of PDL Community Bancorp.

NasdaqGM:PDLB PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGM:PDLB Share Price ÷ EPS (both in USD)

= 14.17 ÷ 0.13

105.13x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PDL Community Bancorp is overvalued based on earnings compared to the US Mortgage industry average.
  • PDL Community Bancorp is overvalued based on earnings compared to the United States of America market.
Price based on expected Growth
Does PDL Community Bancorp's expected growth come at a high price?
Raw Data
NasdaqGM:PDLB PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 105.13x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts
38.8%per year
United States of America Mortgage Industry PEG Ratio Median Figure of 50 Publicly-Listed Mortgage Companies 1.43x
United States of America Market PEG Ratio Median Figure of 2,122 Publicly-Listed Companies 1.59x

*Line of best fit is calculated by linear regression .

NasdaqGM:PDLB PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 105.13x ÷ 38.8%

2.71x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PDL Community Bancorp is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on PDL Community Bancorp's assets?
Raw Data
NasdaqGM:PDLB PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $9.55
NasdaqGM:PDLB Share Price * NasdaqGM (2019-07-17) in USD $14.17
United States of America Mortgage Industry PB Ratio Median Figure of 145 Publicly-Listed Mortgage Companies 1.13x
United States of America Market PB Ratio Median Figure of 5,241 Publicly-Listed Companies 1.81x
NasdaqGM:PDLB PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGM:PDLB Share Price ÷ Book Value per Share (both in USD)

= 14.17 ÷ 9.55

1.48x

* Primary Listing of PDL Community Bancorp.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • PDL Community Bancorp is overvalued based on assets compared to the US Mortgage industry average.
X
Value checks
We assess PDL Community Bancorp's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Mortgage industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Mortgage industry average (and greater than 0)? (1 check)
  5. PDL Community Bancorp has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

PDLB Future Performance

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

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
38.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is PDL Community Bancorp expected to grow at an attractive rate?
  • PDL Community Bancorp's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • PDL Community Bancorp's earnings growth is expected to exceed the United States of America market average.
  • PDL Community Bancorp's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGM:PDLB Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGM:PDLB Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 1 Analysts 38.8%
NasdaqGM:PDLB Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 1 Analysts 5%
United States of America Mortgage Industry Earnings Growth Rate Market Cap Weighted Average 10.6%
United States of America Mortgage Industry Revenue Growth Rate Market Cap Weighted Average 4.5%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14.1%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.4%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGM:PDLB Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGM:PDLB Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2020-12-31 42 5 1
2019-12-31 39 3 1
NasdaqGM:PDLB Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 39 8 2
2018-12-31 38 8 3
2018-09-30 36 9 1
2018-06-30 36 10 -3
2018-03-31 35 8 -2
2017-12-31 34 9 -3
2017-09-30 33 7 -1
2017-06-30 32 4 2
2017-03-31 30 3 1
2016-12-31 30 4 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • PDL Community Bancorp's earnings are expected to grow significantly at over 20% yearly.
  • PDL Community Bancorp's revenue is expected to grow by 5% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGM:PDLB Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below

All data from PDL Community Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:PDLB Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2020-12-31 0.27 0.27 0.27 1.00
2019-12-31 0.17 0.17 0.17 1.00
NasdaqGM:PDLB Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 0.13
2018-12-31 0.15
2018-09-30 0.04
2018-06-30 -0.16
2018-03-31 -0.14
2017-12-31 -0.16
2017-09-30 -0.07
2017-06-30
2017-03-31
2016-12-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if PDL Community Bancorp will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess PDL Community Bancorp's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
PDL Community Bancorp has a total score of 3/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

PDLB Past Performance

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

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare PDL Community Bancorp's growth in the last year to its industry (Mortgage).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • PDL Community Bancorp's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.
  • PDL Community Bancorp has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
  • PDL Community Bancorp has become profitable in the last year making it difficult to compare the US Mortgage industry average.
Earnings and Revenue History
PDL Community Bancorp's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from PDL Community Bancorp Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGM:PDLB Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 38.95 2.40 32.15
2018-12-31 38.36 2.68 31.34
2018-09-30 36.10 0.70 27.91
2018-06-30 35.62 -2.91 27.28
2018-03-31 35.06 -2.49 28.89
2017-12-31 33.59 -2.86 27.43
2017-09-30 33.10 -1.28 24.60
2017-06-30 31.62 2.21 24.27
2017-03-31 30.04 1.18 23.98
2016-12-31 30.29 1.43 25.23
2015-12-31 30.05 2.52 22.21

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • PDL Community Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • PDL Community Bancorp used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.
  • Unable to establish if PDL Community Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess PDL Community Bancorp's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Mortgage industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
PDL Community Bancorp has a total score of 0/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

PDLB Health

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

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of PDL Community Bancorp's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from PDL Community Bancorp Company Filings, last reported 3 months ago.

NasdaqGM:PDLB Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 170.26 44.40 36.51
2018-12-31 169.17 69.40 65.40
2018-09-30 167.14 37.78 17.90
2018-06-30 166.58 37.78 42.72
2018-03-31 165.71 20.00 52.96
2017-12-31 164.79 36.40 35.85
2017-09-30 168.51 15.00 53.12
2017-06-30 94.67 8.00 6.71
2017-03-31 93.47 28.00 14.49
2016-12-31 92.99 3.00 9.87
2015-12-31 91.06 8.00 10.63
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • PDL Community Bancorp has an acceptable proportion of non-loan assets held.
  • PDL Community Bancorp's liabilities are made up of primarily low risk sources of funding.
  • Loans at PDL Community Bancorp are broadly funded by customer deposits.
  • PDL Community Bancorp's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • PDL Community Bancorp has a sufficient allowance for bad loans.
  • PDL Community Bancorp has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess PDL Community Bancorp's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. PDL Community Bancorp has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

PDLB Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from PDL Community Bancorp dividends.
If you bought $2,000 of PDL Community Bancorp shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate PDL Community Bancorp's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate PDL Community Bancorp's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGM:PDLB Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 1 Analyst Estimates (S&P Global) See Below
United States of America Mortgage Industry Average Dividend Yield Market Cap Weighted Average of 95 Stocks 3.1%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2017 Stocks 2.4%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.4%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGM:PDLB Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2020-12-31
2019-12-31

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as PDL Community Bancorp has not reported any payouts.
  • Unable to verify if PDL Community Bancorp's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of PDL Community Bancorp's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as PDL Community Bancorp has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess PDL Community Bancorp's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can PDL Community Bancorp afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. PDL Community Bancorp has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

PDLB Management

 What is the CEO of PDL Community Bancorp's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Carlos Naudon
COMPENSATION $3,103,044
AGE 68
TENURE AS CEO 1.8 years
CEO Bio

Mr. Carlos P. Naudon is as President, Chief Operating Officer and Director of Ponce Bank (MHC) since February 2019. Mr. Naudon was President, Chief Executive Officer and Director of Ponce Bank (MHC) Since September 28, 2018 until February 2019. He was formerly President and Chief Operating Officer of Ponce Bank (MHC) till September 28, 2018. Mr. Naudon serves as President, Chief Executive Officer and Director of PDL Community Bancorp (MHC). Mr. Naudon served as a consultant and compliance counsel to Ponce Bank (MHC). Mr. Naudon was a Partner in the law firm of Allister & Naudon. Both of the foregoing firms were established in 1984 to provide services to banking institutions. He owns Banking Spectrum, Inc. Until 2015, he was a Partner in the law firm of Allister & Naudon. He became Of Counsel to the law firm Cullen & Dykman in 2015. He has also previously served in many Senior Management positions at other companies. Before retiring from his consulting and law firms in 2015, he was a frequent Lecturer and Speaker on banking issues, Corporate Governance, quality assurance and performance incentives. He has current and previous service in various healthcare and community organizations. He is a Member of the New York State Bar Association, the New York City Hispanic Chamber of Commerce and other professional associations.

CEO Compensation
  • Carlos's compensation has increased in line with PDL Community Bancorp recently becoming profitable.
  • Carlos's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the PDL Community Bancorp management team in years:

2.1
Average Tenure
63
Average Age
  • The tenure for the PDL Community Bancorp management team is about average.
Management Team

Steven Tsavaris

TITLE
Executive Chairman of the Board
COMPENSATION
$3M
AGE
69

Carlos Naudon

TITLE
COMPENSATION
$3M
AGE
68
TENURE
1.8 yrs

Frank Perez

TITLE
Executive VP & CFO
COMPENSATION
$689K
AGE
51
TENURE
1.8 yrs

Elizabeth Macias

TITLE
Chief Information Systems Officer & Senior VP
AGE
63

Madeline Marquez

TITLE
Chief External Affairs Officer
AGE
61
TENURE
2.4 yrs

David Rodriguez

TITLE
Chief Relationship Manager & Senior VP
AGE
63

Ioannis Kouzilos

TITLE
Chief Lending Officer & Senior VP
AGE
40
TENURE
2.3 yrs
Board of Directors Tenure

Average tenure and age of the PDL Community Bancorp board of directors in years:

1.8
Average Tenure
72
Average Age
  • The average tenure for the PDL Community Bancorp board of directors is less than 3 years, this suggests a new board.
Board of Directors

Steven Tsavaris

TITLE
Executive Chairman of the Board
COMPENSATION
$3M
AGE
69
TENURE
1.8 yrs

Carlos Naudon

TITLE
COMPENSATION
$3M
AGE
68
TENURE
1.8 yrs

James Demetriou

TITLE
Director
COMPENSATION
$471K
AGE
72
TENURE
1.8 yrs

William Feldman

TITLE
Director
COMPENSATION
$473K
AGE
76
TENURE
1.8 yrs

Julio Gurman

TITLE
Director
COMPENSATION
$474K
AGE
82
TENURE
1.8 yrs

Nick Lugo

TITLE
Director
COMPENSATION
$478K
AGE
76
TENURE
1.8 yrs

María Alvarez

TITLE
Director
AGE
54
TENURE
0.5 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
29. Nov 18 Buy Ioannis Kouzilos Individual 27. Nov 18 27. Nov 18 300 $12.95 $3,885
14. Sep 18 Buy Frank Perez Individual 11. Sep 18 11. Sep 18 376 $14.95 $5,621
14. Sep 18 Buy Frank Perez Individual 12. Sep 18 12. Sep 18 977 $14.78 $14,440
13. Sep 18 Buy Manuel Romero Individual 11. Sep 18 11. Sep 18 448 $14.93 $6,689
13. Sep 18 Buy Manuel Romero Individual 12. Sep 18 13. Sep 18 6,437 $15.06 $96,539
12. Sep 18 Buy Carlos Naudon Individual 10. Sep 18 12. Sep 18 3,413 $14.89 $50,294
X
Management checks
We assess PDL Community Bancorp's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. PDL Community Bancorp has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

PDLB News

Simply Wall St News

Did Changing Sentiment Drive PDL Community Bancorp's (NASDAQ:PDLB) Share Price Down By 11%?

Investors in PDL Community Bancorp (NASDAQ:PDLB) have tasted that bitter downside in the last year, as the share price dropped 11%. … In the last year PDL Community Bancorp saw its revenue grow by 11%. … If you are thinking of buying or selling PDL Community Bancorp stock, you should check out this free report showing analyst profit forecasts.

Simply Wall St -

What Kind Of Shareholder Appears On The PDL Community Bancorp's (NASDAQ:PDLB) Shareholder Register?

Every investor in PDL Community Bancorp (NASDAQ:PDLB) should be aware of the most powerful shareholder groups. … Institutions often own shares in more established companies, while it's not unusual to see insiders own a fair bit of smaller companies. … PDL Community Bancorp is a smaller company with a market capitalization of US$231m, so it may still be flying under the radar of many institutional investors.

Simply Wall St -

PDL Community Bancorp (PDLB) And The Financial Industry Prospect For 2017

PDL Community Bancorp (NASDAQ:PDLB), a USD$305.01M small-cap, operates in the mortgage and thrifts industry, whose performance can be gauged by house price index and the general stock market which are proxies for consumer and business confidence for credit. … In the previous year, the industry saw growth in the teens, though still underperforming the wider US stock market. … This means the industry, on average, is fairly valued compared to the wider market – minimal expected gains and losses from mispricing here.

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PDLB Company Info

Description

PDL Community Bancorp provides various banking products and services primarily in the New York City metropolitan area. The company offers a range of deposit accounts, including demand, savings, and money market accounts, as well as certificates of deposit accounts; and individual retirement accounts. It also provides mortgage loans consisting of one-to-four family real estate loans, including residential investor-owned and owner-occupied, multifamily residential, and nonresidential property loans, as well as construction and land loans; commercial business and consumer loans; commercial and industrial loans; and lines of credit. In addition, the company invests in debt securities. It operates a network of 13 banking offices, which include 4 branches in Bronx, 2 branches in Manhattan, 3 branches in Queens, and 3 branches in Brooklyn, New York; and 1 branch in Union City, New Jersey. The company was formerly known as Ponce De Leon Federal Bank and changed its name to PDL Community Bancorp in September 2017. The company was founded in 1960 and is headquartered in Bronx, New York. PDL Community Bancorp is a subsidiary of Ponce Bank Mutual Holding Company.

Details
Name: PDL Community Bancorp
PDLB
Exchange: NasdaqGM
Founded: 1960
$249,572,199
17,612,717
Website: http://www.poncebank.com
Address: PDL Community Bancorp
2244 Westchester Avenue,
Bronx,
New York, 10462,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGM PDLB Common Stock Nasdaq Global Market US USD 02. Oct 2017
Number of employees
Current staff
Staff numbers
181
PDL Community Bancorp employees.
Industry
Thrifts and Mortgage Finance
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/07/18 01:20
End of day share price update: 2019/07/17 00:00
Last estimates confirmation: 2019/06/19
Last earnings filing: 2019/05/13
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.