Ponce Financial Group, Inc. (PDLB) is a Banks - Regional company in the Financial Services sector, currently trading at $17.55. It has a SharesGrow Score of 65/100, indicating a above average investment profile with 2 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of PDLB = $17.56 (+0.1% from the current price, the stock appears fairly valued).
Valuation: PDLB trades at a trailing Price-to-Earnings (P/E) of 13.9 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.51.
Financials: revenue is $194M, +31.6%/yr average growth. Net income is $29M, growing at +166.7%/yr. Net profit margin is 14.8% (healthy). Gross margin is 54.5% (+0.6 pp trend).
Balance sheet: total debt is $625M against $542M equity (Debt-to-Equity (D/E) ratio 1.15, moderate). Current ratio is 2.55 (strong liquidity). Debt-to-assets is 19.4%. Total assets: $3.2B.
Analyst outlook: 1 / 2 analysts rate PDLB as buy (50%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 82/100 (Pass), Growth 100/100 (Pass), Past 75/100 (Partial), Health 50/100 (Partial), Moat 54/100 (Partial), Future 40/100 (Partial), Income 55/100 (Partial).
