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.
No risks detected for PDLB from our risk checks.
Excellent balance sheet with solid 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 has not had significant price volatility in the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: PDLB exceeded the US Mortgage industry which returned 5.7% over the past year.
Return vs Market: PDLB underperformed the US Market which returned 19.4% over the past year.
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
1 month ago | Simply Wall StDo Institutions Own Shares In PDL Community Bancorp (NASDAQ:PDLB)?
2 months ago | Simply Wall StThe PDL Community Bancorp (NASDAQ:PDLB) Share Price Is Up 12% And Shareholders Are Holding On
4 months ago | Simply Wall StHow Much Of Ponce Bank (NASDAQ:PDLB) Do Institutions Own?
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 (85.2x) compared to the Mortgage industry average (13.7x).
PE vs Market: PDLB is poor value based on its PE Ratio (85.2x) compared to the US market (18.3x).
Price to Earnings Growth Ratio
PEG Ratio: PDLB is poor value based on its PEG Ratio (3x)
Price to Book Ratio
PB vs Industry: PDLB is overvalued based on its PB Ratio (1.6x) compared to the US Mortgage industry average (1.1x).
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 (28.1% per year) is above the savings rate (1.7%).
Earnings vs Market: PDLB's earnings (28.1% per year) are forecast to grow faster than the US market (14.2% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PDLB's revenue (5.1% per year) is forecast to grow slower than the US market (7.6% per year).
High Growth Revenue: PDLB's revenue (5.1% per year) is forecast to grow slower than 20% 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's current net profit margins (7.3%) are higher than last year (1.9%).
Past Earnings Growth Analysis
Earnings Trend: PDLB's earnings have grown by 11.1% per year over the past 5 years.
Accelerating Growth: PDLB's earnings growth over the past year (323.3%) exceeds its 5-year average (11.1% per year).
Earnings vs Industry: PDLB earnings growth over the past year (323.3%) exceeded the Mortgage industry 11.1%.
Return on Equity
High ROE: PDLB's Return on Equity (1.8%) is considered low.
Return on Assets
Return on Capital Employed
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
Inventory Level: PDLB has a low level of unsold assets or inventory.
Debt Coverage by Assets: PDLB's debt is not covered by short term assets (assets are 0.3x debt).
Financial Institutions Analysis
Asset Level: PDLB's level of assets compared to its equity is low.
Allowance for Bad Loans: PDLB has a sufficient allowance for bad loans.
Low Risk Liabilities: PDLB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PDLB has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PDLB has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: PDLB has an appropriate level of bad loans (1.08%)
What is PDL Community Bancorp's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: Unable to evaluate PDLB's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate PDLB's dividend yield against the top 25% of dividend payers, as the company has not reported any 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 (68yo)
Mr. Carlos P. Naudon has been President of Ponce Bank (MHC) since 2015 and its CEO since July 2019 and Director since 2014. He served as Chief Operating Officer of Ponce Bank (MHC) since February 2019 unti ...
CEO Compensation Analysis
Compensation vs Market: Carlos's total compensation ($USD3.10M) is above average for companies of similar size in the US market ($USD1.11M).
Compensation vs Earnings: Carlos's compensation has increased by more than 20% in the past year.
|Executive Chairman of the Board||2.4yrs||US$3.07m||0.31% $765.5k|
|Executive VP & CFO||2.4yrs||US$689.23k||0.011% $27.7k|
|Chief Information Systems Officer & Senior VP||0yrs||no data||0.017% $43.2k|
|Chief External Affairs Officer||3yrs||no data||no data|
|Chief Relationship Manager & Senior VP||0yrs||no data||0.0048% $12.0k|
|Chief Lending Officer & Senior VP||2.9yrs||no data||0.0093% $23.3k|
Experienced Management: PDLB's management team is considered experienced (2.7 years average tenure).
|Executive Chairman of the Board||2.4yrs||US$3.07m||0.31% $765.5k|
|Independent Director||2.4yrs||US$471.07k||0.17% $432.0k|
|Independent Director||2.4yrs||US$473.49k||0.17% $432.0k|
|Independent Director||2.4yrs||US$473.99k||0.17% $432.0k|
|Independent Director||2.4yrs||US$477.76k||0.29% $720.0k|
|Independent Director||1.1yrs||no data||no data|
Experienced Board: PDLB's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
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.
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$250.730m
- Shares outstanding: 17.41m
- Website: https://www.poncebank.com
Number of Employees
- PDL Community Bancorp
- 2244 Westchester Avenue
- New York
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PDLB||NasdaqGM (Nasdaq Global Market)||Yes||Common Stock||US||USD||Oct 2017|
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 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 and industrial business loans; consumer loans; and lines of credit. In addition, the company invests in 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 founded in 1960 and is headquartered in Bronx, New York. PDL Community Bancorp is a subsidiary of Ponce Bank Mutual Holding Company.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/02/19 01:42|
|End of Day Share Price||2020/02/18 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.