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Upturn AI SWOT - About
PDLB 
Ponce Financial Group Inc (PDLB)
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Upturn Advisory Summary
04/01/2025: PDLB (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 23.65% | Avg. Invested days 59 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 288.06M USD | Price to earnings Ratio 27.54 | 1Y Target Price 15 |
Price to earnings Ratio 27.54 | 1Y Target Price 15 | ||
Volume (30-day avg) 43198 | Beta 0.56 | 52 Weeks Range 7.89 - 13.97 | Updated Date 04/1/2025 |
52 Weeks Range 7.89 - 13.97 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.46 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.32% | Operating Margin (TTM) 28.04% |
Management Effectiveness
Return on Assets (TTM) 0.38% | Return on Equity (TTM) 2.2% |
Valuation
Trailing PE 27.54 | Forward PE 49.26 | Enterprise Value 1017364608 | Price to Sales(TTM) 3.5 |
Enterprise Value 1017364608 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 14.04 | Enterprise Value to EBITDA - | Shares Outstanding 22664200 | Shares Floating 18365053 |
Shares Outstanding 22664200 | Shares Floating 18365053 | ||
Percent Insiders 18.91 | Percent Institutions 48.55 |
Analyst Ratings
Rating 5 | Target Price 14 | 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. was founded in 2004. The company operates as the holding company for Ponce Bank, which provides various banking products and services primarily to individuals, families, and businesses in the New York metropolitan area and Puerto Rico. Originally focused on serving the Hispanic community, it has expanded its reach.
Core Business Areas
- Retail Banking: Offers a range of deposit accounts, including checking, savings, and money market accounts, as well as certificates of deposit.
- Mortgage Lending: Provides residential and commercial mortgage loans, focusing on its primary markets.
- Commercial Lending: Offers commercial real estate loans and other business financing solutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure includes various departments responsible for retail banking, lending, finance, and operations. The company's board of directors provides oversight and strategic guidance.
Top Products and Market Share
Key Offerings
- Residential Mortgages: Ponce Bank offers residential mortgage loans. Market share data is not publicly available. Competitors: Wells Fargo, JP Morgan Chase, local banks.
- Commercial Real Estate Loans: Commercial real estate loans are provided. Market share data not publicly available. Competitors: Regional and national banks.
- Deposit Accounts: Checking, Savings, and CD accounts are offered. Market share data not publicly available. Competitors: Bank of America, Citibank, Chase.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with ongoing consolidation and technological advancements. Regulatory changes and interest rate fluctuations significantly impact profitability.
Positioning
Ponce Financial Group focuses on serving communities in the New York metropolitan area and Puerto Rico, with a strong emphasis on the Hispanic market. Its competitive advantage lies in its community focus and understanding of local markets.
Total Addressable Market (TAM)
The TAM for banking services in the New York metropolitan area and Puerto Rico is substantial, estimated in the billions of dollars. Ponce Financial Group's market share is relatively small, indicating significant growth potential.
Upturn SWOT Analysis
Strengths
- Strong community ties
- Experienced management team
- Focus on niche markets
- Solid asset quality
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger banks
- Reliance on specific markets
- Lower brand recognition
Opportunities
- Expand into new markets within the New York/Puerto Rico region
- Increase digital banking capabilities
- Develop new products and services
- Acquire smaller community banks
Threats
- Increased competition from larger banks
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- BOH (BOH)
- OFG Bancorp (OFG)
- Popular Inc (BPOP)
Competitive Landscape
Ponce Financial Group faces competition from larger regional and national banks. Its advantages include its community focus and knowledge of local markets, while its disadvantages include its smaller size and limited resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends would be analyzed using past financial statements to identify periods of expansion or contraction.
Future Projections: Future growth projections rely on analyst estimates and company guidance, focusing on revenue growth, profitability, and market share gains.
Recent Initiatives: Recent initiatives might include expansion into new markets, investments in technology, or strategic acquisitions.
Summary
Ponce Financial Group is a community-focused bank serving the New York and Puerto Rico markets. The company has strong community ties, but is a smaller bank with a limited geographic presence compared to large national banks, which limits its resources. The firm can capitalize on new markets in its surrounding regions. It must protect against the competition of larger banks.
Similar Companies
BOH
Bank of Hawaii Corporation
BOH
Bank of Hawaii Corporation
BPOP
Popular Inc
BPOP
Popular Inc
OFG
OFG Bancorp
OFG
OFG Bancorp
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market data is subject to change.
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 218 | Website https://www.poncebank.com |
Full time employees 218 | 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 accounts, NOW/IOLA, money market, reciprocal deposits, savings accounts, and certificates of deposit to individuals, business entities, and non-profit organizations, as well as individual retirement accounts. The company also provides real estate-secured loans, which includes 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. Further, it offers courier cash and payroll services, cannabis banking solutions, positive pay; lines of credit; and business, commercial, and pre licensed and licensed cannabis checking accounts. It also offers Clover POS Station, as well as online and mobile banking services. 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 stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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