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Upturn AI SWOT - About
PDLB 
Ponce Financial Group Inc (PDLB)
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Upturn Advisory Summary
06/30/2025: PDLB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $15
1 Year Target Price $15
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 48.4% | Avg. Invested days 80 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 335.31M USD | Price to earnings Ratio 23.3 | 1Y Target Price 15 |
Price to earnings Ratio 23.3 | 1Y Target Price 15 | ||
Volume (30-day avg) 1 | Beta 0.51 | 52 Weeks Range 9.01 - 14.06 | Updated Date 06/30/2025 |
52 Weeks Range 9.01 - 14.06 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.6 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.75% | Operating Margin (TTM) 33.95% |
Management Effectiveness
Return on Assets (TTM) 0.49% | Return on Equity (TTM) 2.88% |
Valuation
Trailing PE 23.3 | Forward PE 49.26 | Enterprise Value 964657152 | Price to Sales(TTM) 3.87 |
Enterprise Value 964657152 | Price to Sales(TTM) 3.87 | ||
Enterprise Value to Revenue 13.02 | Enterprise Value to EBITDA - | Shares Outstanding 23984800 | Shares Floating 16962677 |
Shares Outstanding 23984800 | Shares Floating 16962677 | ||
Percent Insiders 19.41 | Percent Institutions 47.27 |
Analyst Ratings
Rating 1 | Target Price 15 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Ponce Financial Group Inc
Company Overview
History and Background
Ponce Financial Group, Inc. (PDLB) is the holding company for Ponce Bank. Founded in 1960, the bank has primarily served the Hispanic communities in the New York metropolitan area. Over the years, it has expanded its services and customer base.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals and families, including checking and savings accounts, mortgages, and personal loans.
- Commercial Banking: Provides banking services to businesses, including commercial loans, lines of credit, and treasury management services.
- Mortgage Lending: Focuses on residential mortgage lending, serving first-time homebuyers and existing homeowners.
Leadership and Structure
Carlos P. Naudon serves as the Chairman and Chief Executive Officer. The organizational structure includes departments for retail banking, commercial lending, mortgage operations, and finance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Offers a variety of mortgage products tailored to meet the needs of different borrowers. PDLB market share is relatively small compared to larger national mortgage lenders. Competitors include JPMorgan Chase (JPM), Wells Fargo (WFC), and Bank of America (BAC).
- Commercial Loans: Provides commercial loans to small and medium-sized businesses. Competitors include regional banks and credit unions in the New York metropolitan area. Revenue data from this product is not publicly disclosed. No publicly available market share data.
- Checking and Savings Accounts: Offers traditional checking and savings accounts to individual customers. Competitors include Chase, Citibank, and other local banks. No publicly available market share data.
Market Dynamics
Industry Overview
The banking industry is highly competitive and is undergoing digital transformation. The interest rate environment and regulatory landscape significantly impact bank profitability.
Positioning
Ponce Financial Group Inc. is a community-focused bank with a strong presence in the Hispanic communities of the New York metropolitan area. Its competitive advantage lies in its deep understanding of its target market and its commitment to providing personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area is substantial, estimated in the billions of dollars annually. Ponce Financial Group's TAM is focused on Hispanic communities. TAM estimates are in the tens of billions annually.
Upturn SWOT Analysis
Strengths
- Strong presence in the Hispanic communities
- Experienced management team
- Commitment to personalized service
Weaknesses
- Limited geographic diversification
- Smaller balance sheet compared to larger competitors
- Reliance on specific demographic groups
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital banking technologies
Threats
- Increased competition from larger banks
- Changes in interest rates
- Economic downturn in the New York metropolitan area
Competitors and Market Share
Key Competitors
- JPM
- BAC
- C
- MTB
- USB
Competitive Landscape
PDLB faces intense competition from larger national and regional banks. It has a smaller market presence compared to its competitors but has strengths in its target demographic.
Growth Trajectory and Initiatives
Historical Growth: Consult PDLB's SEC filings and investor presentations for historical growth trends.
Future Projections: Consult analyst reports for projections regarding Ponce Financial Group Inc's future growth.
Recent Initiatives: Check recent news releases and SEC filings for updates on recent strategic initiatives undertaken by Ponce Financial Group Inc.
Summary
Ponce Financial Group is a small, community-focused bank with a strong presence in the Hispanic communities of the New York metropolitan area. While its niche focus provides a competitive advantage, it faces challenges related to its limited size and geographic diversification. The bank's success depends on its ability to maintain its community focus, adapt to changing market conditions, and manage competition from larger financial institutions. Its overall financial health and limited growth are a concern but are improving.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Yahoo Finance
- Company Website
- Analyst Reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Consult with a qualified financial advisor before making any investment decisions.
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 211 | Website https://www.poncebank.com |
Full time employees 211 | 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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