Ponce Financial Group, Inc. PDLB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $20.41
Market Cap $494.16M
P/E Ratio N/A
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑30.5% YoY
$109.22M
3-Yr CAGR: 17.7%
Net Income ↑161.6% YoY
$28.70M
Net Margin: 26.3%
Free Cash Flow ↑1,115.3% YoY
$54.62M
FCF Yield: 11.05%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity Efficiency
5.3%
ROA: 0.9%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (PDLB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2019 $38.1M $38.1M $-5.1M 0.00% $5.0M $1.2M
FY 2020 $42.0M +10.1% $5.2M $3.9M +175.2% 0.00% $-27.5M $-29.4M -2,490.4%
FY 2021 $78.0M +85.9% $20.9M $25.4M +559.6% 0.00% $18.6M $14.4M +148.9%
FY 2022 $67.0M -14.1% $67.0M $-30.0M -218.0% 0.00% $9.8M $9.3M -35.3%
FY 2023 $66.6M -0.7% $5.9M $3.4M +111.2% 0.00% $6.5M $6.1M -34.7%
FY 2024 $83.7M +25.8% $15.7M $11.0M +227.3% 0.00% $7.2M $4.5M -26.1%
FY 2025 $109.2M +30.5% $23.5M $28.7M +161.6% 0.00% $55.6M $54.6M +1,115.3%
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Valuation

Market Price $20.41
Market Cap $494.16M
Enterprise Value $368.00M
P/E Ratio N/A
P/B Ratio 0.91
FCF Yield 11.05%
Dividend Yield N/A
Shares Outstanding 24,187,900
%

Profitability & Margins

Gross Margin 21.52%
Operating Margin 35.19%
Net Margin 26.28%
Return on Equity (ROE) 5.30%
Return on Assets (ROA) 0.89%
Asset Turnover 0.03x
Revenue 3-Yr CAGR 17.67%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents $126.15M
Total Debt N/A
Book Value / Share $22.39
💧

Cash Flow Efficiency

Operating Cash Flow $55.59M
Capital Expenditures (CapEx) $978.00K
Free Cash Flow $54.62M
OCF / Revenue 50.90%
FCF / Revenue 50.00%
FCF 3-Yr CAGR 80.37%
🏷️

Per Share Metrics

EPS (Diluted) N/A
EPS (Basic) N/A
Dividends / Share N/A
Book Value / Share $22.39
EPS YoY Growth N/A
🏛️

Balance Sheet (FY 2025)

Total Assets $3.22B
Total Liabilities $2.68B
Stockholders' Equity $541.55M
Current Assets N/A
Current Liabilities N/A