Ponce Financial (PDLB) Fundamental Analysis: Revenue, Earnings & Valuation

4.61 / 10

Netural

Fundamentals rate neutral (4.6/10). Strengths include a 48.3% gross profit margin and solid current‑liability ratios. Weaknesses are low cash‑to‑market and revenue‑to‑market values. Overall, the financial base is average, warranting guarded optimism.

Analysis Checks(7/10)

Revenue-MV

Value-0.72

Score1/3

Weight8.91%

1M Return4.17%

Gross profit margin (%)

Value48.34

Score3/3

Weight6.94%

1M Return3.48%

Current liabilities / Total liabilities (%)

Value47.94

Score3/3

Weight6.94%

1M Return3.48%

Profit-MV

Value1.02

Score1/3

Weight9.54%

1M Return4.81%

Net income-Revenue

Value0.59

Score3/3

Weight14.18%

1M Return6.34%

PB-ROE

Value-0.94

Score3/3

Weight16.60%

1M Return7.42%

Non-current liabilities / Total liabilities (%)

Value54.03

Score3/3

Weight6.94%

1M Return3.48%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.94%

1M Return3.48%

Asset-MV

Value-0.55

Score2/3

Weight16.02%

1M Return7.16%

Cash-MV

Value0.84

Score1/3

Weight7.00%

1M Return3.40%

Is PDLB undervalued or overvalued?

PDLB scores 4.61/10 on fundamentals and holds a Fair valuation at present. Backed by its 5.27% ROE, 26.28% net margin, 14.42 P/E ratio, 0.73 P/B ratio, and 163.04% earnings growth, these metrics solidify its Netural investment rating.