PDLB Valuation

Ponce Financial Group Inc

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14.930

+0.57(3.969%)1D

Overview
Forecast
Valuation
Earnings

PDLB Relative Valuation

PDLB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PDLB is overvalued; if below, it's undervalued.

Historical Valuation

Ponce Financial Group Inc (PDLB) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.00 is considered Undervalued compared with the five-year average of -32.80. The fair price of Ponce Financial Group Inc (PDLB) is between +Inf to +Inf according to relative valuation methord. Compared to the current price of 14.83 USD , Ponce Financial Group Inc is Undervalued By Fair.

Relative Value

Fair Zone

+Inf-+Inf

Current Price：14.83

Fair

Undervalued

15.96

Trailing

Forward

0.00

EV/EBITDA

Ponce Financial Group Inc. (PDLB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

Ponce Financial Group Inc. (PDLB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

Ponce Financial Group Inc. (PDLB) has a current PS of 0.00. The 5-year average PS is 3.03. The thresholds are as follows: Strongly Undervalued below -0.72, Undervalued between -0.72 and 1.16, Fairly Valued between 4.91 and 1.16, Overvalued between 4.91 and 6.78, and Strongly Overvalued above 6.78. The current Forward PS of 0.00 falls within the Undervalued range.

0.00

P/OCF

Ponce Financial Group Inc. (PDLB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Ponce Financial Group Inc. (PDLB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Ponce Financial Group Inc (PDLB) has a current Price-to-Book (P/B) ratio of 1.11. Compared to its 3-year average P/B ratio of 0.84 , the current P/B ratio is approximately 32.44% higher. Relative to its 5-year average P/B ratio of 0.96, the current P/B ratio is about 15.72% higher. Ponce Financial Group Inc (PDLB) has a Forward Free Cash Flow (FCF) yield of approximately 8.01%. Compared to its 3-year average FCF yield of -0.29%, the current FCF yield is approximately -2846.34% lower. Relative to its 5-year average FCF yield of -0.54% , the current FCF yield is about -1583.79% lower.

1.10

P/B

Median3y

0.84

Median5y

0.96

8.00

FCF Yield

Median3y

-0.29

Median5y

-0.54

Competitors Valuation Multiple

The average P/S ratio for PDLB's competitors is 1.82, providing a benchmark for relative valuation. Ponce Financial Group Inc Corp (PDLB) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 43.00%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PDLB.O

Ponce Financial Group Inc

Kearny Financial Corp

Greene County Bancorp Inc

Timberland Bancorp Inc

6.94

10.29%

263.69M

Performance Decomposition

Market capitalization of PDLB increased by 31.66% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 17.02M to 24.34M.

The secondary factor is the Margin Expansion, contributed 33.65%to the performance.

Overall, the performance of PDLB in the past 1 year is driven by Revenue Growth. Which is more sustainable.

43.00%

17.02M → 24.34M

Revenue Growth

33.65%

18.75 → 25.06

Margin Expansion

-44.99%

36.68 → 20.18

P/E Change

31.66%