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Upturn AI SWOT - About
PDLB 
Ponce Financial Group Inc (PDLB)
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Upturn Advisory Summary
08/14/2025: PDLB (3-star) is a STRONG-BUY. BUY since 69 days. Profits (9.52%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $18
1 Year Target Price $18
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 57.83% | Avg. Invested days 88 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 335.12M USD | Price to earnings Ratio 20.73 | 1Y Target Price 18 |
Price to earnings Ratio 20.73 | 1Y Target Price 18 | ||
Volume (30-day avg) 1 | Beta 0.56 | 52 Weeks Range 10.74 - 15.06 | Updated Date 08/15/2025 |
52 Weeks Range 10.74 - 15.06 | Updated Date 08/15/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-28 | When Before Market | Estimate 0.12 | Actual 0.25 |
Profitability
Profit Margin 19.25% | Operating Margin (TTM) 34.34% |
Management Effectiveness
Return on Assets (TTM) 0.58% | Return on Equity (TTM) 3.42% |
Valuation
Trailing PE 20.73 | Forward PE 49.26 | Enterprise Value 999828672 | Price to Sales(TTM) 3.7 |
Enterprise Value 999828672 | Price to Sales(TTM) 3.7 | ||
Enterprise Value to Revenue 12.21 | Enterprise Value to EBITDA - | Shares Outstanding 22766000 | Shares Floating 17012356 |
Shares Outstanding 22766000 | Shares Floating 17012356 | ||
Percent Insiders 19.31 | Percent Institutions 49.13 |
Upturn AI SWOT
Ponce Financial Group Inc
Company Overview
History and Background
Ponce Financial Group, Inc. is the holding company for Ponce Bank. Founded in 1960, the bank originally served the Puerto Rican community in the Bronx, New York. Over time, it expanded its services and geographic reach, becoming a significant player in community banking.
Core Business Areas
- Retail Banking: Provides traditional banking services such as checking accounts, savings accounts, and loans to individuals and small businesses.
- Commercial Banking: Offers commercial lending and deposit products to businesses, including real estate and construction loans.
- Mortgage Lending: Originates and services residential and commercial mortgages.
Leadership and Structure
Carlos P. Naudon serves as the Chairman, President, and CEO. The organization operates with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Includes fixed-rate and adjustable-rate mortgages. Market share data is not publicly available, but they compete with larger national banks and credit unions in their service area. Competitors include Wells Fargo, JP Morgan Chase, and local credit unions.
- Commercial Real Estate Loans: Loans for commercial properties. Market share data is not publicly available. Competitors include regional and national banks specializing in commercial real estate lending. Competitors include New York Community Bank, Signature Bank (now Flagstar Bank), and Valley National Bank.
- Small Business Loans: Loans to small businesses for various purposes. Market share data is not publicly available. Competitors include national banks and online lenders. Competitors include Bank of America, and OnDeck.
Market Dynamics
Industry Overview
The banking industry is facing challenges from rising interest rates, increased competition from fintech companies, and regulatory changes. Community banks like Ponce Financial Group must adapt to these changes to remain competitive.
Positioning
Ponce Financial Group positions itself as a community-focused bank with strong ties to the Puerto Rican community. Their competitive advantage lies in their local knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for community banking in the New York metropolitan area is estimated to be billions of dollars. Ponce Financial Group's positioning within this TAM is as a niche player focused on underserved communities.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Focus on underserved markets
- Long history in the region
Weaknesses
- Smaller asset base compared to larger banks
- Limited geographic reach
- Reliance on traditional banking services
- Lower technological capabilities compared to fintechs
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Strategic partnerships with fintech companies
- Growing demand for community banking services
Threats
- Increased competition from larger banks and fintechs
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
Competitive Landscape
Ponce Financial Group faces intense competition from larger national banks with greater resources and broader product offerings. Their advantage lies in their local knowledge and focus on the Hispanic community.
Growth Trajectory and Initiatives
Historical Growth: Consult financial reports for historical growth trends
Future Projections: Consult analyst reports for future growth projections.
Recent Initiatives: Review public announcements and financial filings for recent strategic initiatives.
Summary
Ponce Financial Group is a community bank with a strong focus on the Hispanic market. They have a long history and established presence, but face competition from larger banks and fintech companies. Their focus on personalized service and community ties are key strengths, but they must adapt to the changing financial landscape to remain competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
- Industry Associations
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ponce Financial Group Inc
Exchange NASDAQ | Headquaters Bronx, NY, United States | ||
IPO Launch date 2017-10-02 | President, CEO & Director Mr. Carlos P. Naudon | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 206 | Website https://www.poncebank.com |
Full time employees 206 | Website https://www.poncebank.com | ||
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also provides real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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