NasdaqGM:PDLB

Stock Analysis Report

Executive Summary

Ponce Bank provides various banking products and services primarily in the New York City metropolitan area.

Snowflake

Fundamentals

Flawless balance sheet with moderate growth potential.

Risks

  • Ponce Bank is covered by less than 3 analysts.

Similar Companies

Share Price & News

How has Ponce Bank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0.3%

PDLB

-0.08%

US Mortgage

-0.2%

US Market


1 Year Return

-3.4%

PDLB

4.6%

US Mortgage

1.1%

US Market

PDLB underperformed the Mortgage industry which returned 5% over the past year.

PDLB underperformed the Market in United States of America which returned 1.6% over the past year.


Share holder returns

PDLBIndustryMarket
7 Day0.3%-0.08%-0.2%
30 Day1.6%4.5%2.5%
90 Day2.8%4.8%1.6%
1 Year-3.4%-3.4%6.9%4.6%3.4%1.1%
3 Yearn/a38.6%29.2%45.2%35.8%
5 Yearn/a69.1%51.1%62.6%44.8%

Price Volatility Vs. Market

How volatile is Ponce Bank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

1 year ago | Simply Wall St

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

Valuation

Is Ponce Bank undervalued based on future cash flows and its price relative to the stock market?

96.94x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Ponce Bank to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Ponce Bank to establish if it is available at substantial discount.


Price Based on Earnings

Ponce Bank is overvalued based on earnings compared to the US Mortgage industry average.

Ponce Bank is overvalued based on earnings compared to the United States of America market.


Price Based on Expected Growth

Ponce Bank is poor value based on expected growth next year.


Price Based on Value of Assets

Ponce Bank is overvalued based on assets compared to the US Mortgage industry average.


Next Steps

Future Growth

How is Ponce Bank expected to perform in the next 1 to 3 years based on estimates from 1 analyst?

30.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Ponce Bank's revenue is expected to grow by 0.3% yearly, however this is not considered high growth (20% yearly).

Ponce Bank's earnings are expected to grow significantly at over 20% yearly.

Ponce Bank's revenue growth is positive but not above the United States of America market average.

Ponce Bank's earnings growth is expected to exceed the United States of America market average.

Ponce Bank's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Ponce Bank will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Ponce Bank performed over the past 5 years?

-1.7%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Ponce Bank's year on year earnings growth rate was negative over the past 5 years, however the most recent earnings are above average.

Ponce Bank has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.

Ponce Bank has become profitable in the last year making it difficult to compare the US Mortgage industry average.


Return on Equity

Ponce Bank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Ponce Bank used its assets less efficiently than the US Mortgage industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Ponce Bank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Ponce Bank'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

Information is not available.

Information is not available.


Financial Institutions Analysis

Ponce Bank has an acceptable proportion of non-loan assets held.

Ponce Bank has a sufficient allowance for bad loans.

Ponce Bank's liabilities are made up of primarily low risk sources of funding.

Ponce Bank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Ponce Bank are broadly funded by customer deposits.

Ponce Bank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Ponce Bank's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Ponce Bank's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Ponce Bank's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Ponce Bank has not reported any payouts.

Unable to verify if Ponce Bank's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Ponce Bank 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.


Next Steps

Management

What is the CEO of Ponce Bank's salary, the management and board of directors tenure and is there insider trading?

2.3yrs

Average management tenure


CEO

Carlos Naudon (68yo)

2yrs

Tenure

US$3,103,044

Compensation

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

Carlos's remuneration is higher than average for companies of similar size in United States of America.

Carlos's compensation has increased in line with Ponce Bank recently becoming profitable.


Management Age and Tenure

2.3yrs

Average Tenure

63yo

Average Age

The tenure for the Ponce Bank management team is about average.


Board Age and Tenure

2.0yrs

Average Tenure

72yo

Average Age

The average tenure for the Ponce Bank board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$3,88529 Nov 18
Ioannis Kouzilos
EntityIndividual
Role
Other Key Executive
Chief Lending Officer & Senior VP
Shares300
Max PriceUS$12.95

Ownership Breakdown


Management Team

  • Carlos Naudon (68yo)

    • Tenure: 2yrs
    • Compensation: US$3.10m
  • Steven Tsavaris (69yo)

    Executive Chairman of the Board

    • Tenure: 2yrs
    • Compensation: US$3.07m
  • Elizabeth Macias (63yo)

    Chief Information Systems Officer & Senior VP

    • Tenure: 0yrs
  • Frank Perez (51yo)

    Executive VP & CFO

    • Tenure: 2yrs
    • Compensation: US$689.23k
  • Madeline Marquez (61yo)

    Chief External Affairs Officer

    • Tenure: 2.6yrs
  • Ioannis Kouzilos (40yo)

    Chief Lending Officer & Senior VP

    • Tenure: 2.5yrs
  • David Rodriguez (63yo)

    Chief Relationship Manager & Senior VP

    • Tenure: 0yrs

Board Members

  • Carlos Naudon (68yo)

    • Tenure: 2yrs
    • Compensation: US$3.10m
  • Steven Tsavaris (69yo)

    Executive Chairman of the Board

    • Tenure: 2yrs
    • Compensation: US$3.07m
  • James Demetriou (72yo)

    Director

    • Tenure: 2yrs
    • Compensation: US$471.07k
  • William Feldman (76yo)

    Director

    • Tenure: 2yrs
    • Compensation: US$473.49k
  • Julio Gurman (82yo)

    Director

    • Tenure: 2yrs
    • Compensation: US$473.99k
  • Nick Lugo (76yo)

    Director

    • Tenure: 2yrs
    • Compensation: US$477.76k
  • María Alvarez (54yo)

    Director

    • Tenure: 0.7yrs

Company Information

Ponce Bank's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Ponce Bank
  • Ticker: PDLB
  • Exchange: NasdaqGM
  • Founded: 1960
  • Industry: Thrifts and Mortgage Finance
  • Sector: Banks
  • Market Cap: US$249.719m
  • Shares outstanding: 17.26m
  • Website: https://www.poncebank.com

Number of Employees


Location

  • Ponce Bank
  • 2244 Westchester Avenue
  • Bronx
  • New York
  • 10462
  • United States

Listings

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

Biography

Ponce Bank 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 accou ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/20 01:31
End of Day Share Price2019/09/19 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.