Financial Snapshot

Revenue
$119.8M
TTM
Gross Margin
Net Earnings
$8.276M
TTM
Current Assets
Current Liabilities
$47.99M
Q3 2024
Current Ratio
Total Assets
$3.016B
Q3 2024
Total Liabilities
$2.511B
Q3 2024
Book Value
$504.6M
Q3 2024
Cash
Q3 2024
P/E
36.97
Nov 12, 2024 EST
Free Cash Flow
$28.96M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $125.9M $82.75M $67.10M $53.34M $50.49M
YoY Change 52.1% 23.33% 25.8% 5.64%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue $125.9M $82.75M $67.10M $53.34M $50.49M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $4.526M $4.266M $2.473M $2.520M $2.220M $1.800M $1.630M $1.810M $1.960M
YoY Change 6.09% 72.5% -1.87% 13.51% 23.33% 10.43% -9.94% -7.65%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Interest Expense $60.60M $16.15M $8.252M $11.37M $12.36M
YoY Change 275.26% 95.7% -27.42% -8.0%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Pretax Income $5.853M -$36.85M $33.62M $5.235M -$6.049M $3.800M -$2.960M $2.430M $3.830M
YoY Change -115.89% -209.58% 542.29% -186.54% -259.18% -228.38% -221.81% -36.55% -30.74%
Income Tax $2.501M -$6.845M $8.209M $1.382M -$924.0K $1.120M -$690.0K $1.010M $1.320M
% Of Pretax Income 42.73% 24.41% 26.4% 29.47% 41.56% 34.46%
Net Earnings $3.352M -$30.00M $25.42M $3.853M -$5.125M $2.680M -$4.390M $1.430M $2.520M
YoY Change -111.17% -218.04% 559.62% -175.18% -291.23% -161.05% -406.99% -43.25% -0.79%
Net Earnings / Revenue 2.66% -36.25% 37.88% 7.22% -10.15%
Basic Earnings Per Share $0.15 -$1.32 $1.52 $0.23 -$0.29
Diluted Earnings Per Share $0.15 -$1.32 $1.51 $0.23 -$0.29 $150.3K -$247.5K $77.46K $136.5K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $47.33M $50.87M $19.62M $32.00M $32.70M $31.10M $27.20M $26.00M $27.20M
YoY Change -6.97% 159.31% -38.7% -2.14% 5.14% 14.34% 4.62% -4.41%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $14.33M $16.14M $3.820M $4.700M $3.700M $3.800M $3.900M $3.400M $3.800M
YoY Change -11.19% 322.43% -18.72% 27.03% -2.63% -2.56% 14.71% -10.53%
Total Long-Term Assets
YoY Change
Total Assets $2.751B $2.312B $1.654B $1.355B $1.054B $1.060B $925.5M $745.0M $703.2M
YoY Change
Accounts Payable $11.97M $1.390M $228.0K $100.0K $100.0K $100.0K $0.00 $0.00 $0.00
YoY Change 760.79% 509.65% 128.0% 0.0% 0.0%
Accrued Expenses $32.68M $34.53M
YoY Change -5.35%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $15.09M $30.00M
YoY Change -100.0% -49.7%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $44.65M $35.92M $228.0K $100.0K $100.0K $100.0K
YoY Change 24.29% 15655.26% 128.0% 0.0% 0.0%
Long-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $22.64M $13.58M $138.0M $18.80M $8.800M $11.50M $10.30M $5.900M $4.600M
YoY Change 66.69% -90.16% 633.86% 113.64% -23.48% 11.65% 74.58% 28.26%
Total Long-Term Liabilities $22.64M $13.58M $138.0M $18.80M $8.800M $11.50M $10.30M $5.900M $4.600M
YoY Change 66.69% -90.16% 633.86% 113.64% -23.48% 11.65% 74.58% 28.26%
Total Liabilities $2.259B $1.819B $1.464B $1.196B $895.4M $890.7M $760.7M $652.0M $612.1M
YoY Change 24.19% 24.25% 22.46% 33.54% 0.53% 17.09% 16.67% 6.52%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015
Basic Shares Outstanding 22.75M 22.69M 16.74M 16.67M 17.43M
Diluted Shares Outstanding 22.82M 22.69M 16.79M 16.68M 17.43M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $305.97 Million

About Ponce Financial Group Inc

Ponce Financial Group, Inc. operates as a holding company. The company is headquartered in Bronx, New York and currently employs 233 full-time employees. The company went IPO on 2017-10-02. The company operates through the administrative office and 13 full-service banking offices and five mortgage loan offices. The Bank's business primarily consists of taking deposits from the general public and investing those deposits, together with funds generated from operations and borrowings, in mortgage loans, consisting of one-to-four family residential (both investor-owned and owner-occupied), multifamily residential, nonresidential properties and construction and land, and, to a lesser extent, in business and consumer loans. The Bank also invests in securities, corporate securities, mortgage-backed securities and Federal Home Loan Bank of New York stock. The Bank offers a variety of deposit accounts, including demand, savings, money markets and certificates of deposit accounts. The Company’s primary market area consists of the New York City metropolitan area.

Industry: Savings Institution, Federally Chartered Peers: ESSA Bancorp Inc FS Bancorp Inc Home Bancorp Inc Home Point Capital Inc. Pioneer Bancorp Inc Onity Group Inc Provident Bancorp, Inc. /MD/ Rocket Companies Inc Sterling Bancorp Inc Timberland Bancorp Inc