PDLB
Ponce Financial·NASDAQ
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3.20 / 10
Netural
Ponce Financial Group Inc (PDLB) shows a fundamental score of 3.2/10, signaling a weak condition. Key positives include a high gross profit margin of 36.7% and a total profit/EBIT ratio of 100%, which place the company in favorable quartiles. However, critical factors such as Cash-MV and Revenue-MV are rated poorly, and the Net assets per share growth rate of 8.5% is offset by a negative Asset-MV. Historical back-tests suggest modest one-month returns (3-7%) with varying confidence, indicating that while some fundamentals are solid, overall financial health remains a concern, warranting caution.
Analysis Checks(8/10)
Net assets per share (growth rate compared to beginning of year %)
Value8.49
Score2/3
Weight7.81%
1M Return3.75%
Value8.49
Score2/3
Weight7.81%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value95.45
Score2/3
Weight10.00%
1M Return4.63%
Value95.45
Score2/3
Weight10.00%
1M Return4.63%
Profit-MV
Value0.04
Score2/3
Weight11.46%
1M Return5.27%
Value0.04
Score2/3
Weight11.46%
1M Return5.27%
PB-ROE
Value1.41
Score2/3
Weight11.76%
1M Return5.42%
Value1.41
Score2/3
Weight11.76%
1M Return5.42%
Asset-MV
Value-0.50
Score2/3
Weight16.57%
1M Return7.51%
Value-0.50
Score2/3
Weight16.57%
1M Return7.51%
Revenue-MV
Value0.16
Score1/3
Weight11.65%
1M Return4.65%
Value0.16
Score1/3
Weight11.65%
1M Return4.65%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.08%
1M Return3.43%
Value36.70
Score3/3
Weight7.08%
1M Return3.43%
Total profit (YoY growth rate %)
Value120.41
Score3/3
Weight10.02%
1M Return4.68%
Value120.41
Score3/3
Weight10.02%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.08%
1M Return3.43%
Value100.00
Score3/3
Weight7.08%
1M Return3.43%
Cash-MV
Value0.14
Score0/3
Weight6.56%
1M Return3.01%
Value0.14
Score0/3
Weight6.56%
1M Return3.01%
Net assets per share (growth rate compared to beginning of year %)
Value8.49
Score2/3
Weight7.81%
1M Return3.75%
Value8.49
Score2/3
Weight7.81%
1M Return3.75%
Revenue-MV
Value0.16
Score1/3
Weight11.65%
1M Return4.65%
Value0.16
Score1/3
Weight11.65%
1M Return4.65%
Net profit attributable to parent company shareholders / Net profit (%)
Value95.45
Score2/3
Weight10.00%
1M Return4.63%
Value95.45
Score2/3
Weight10.00%
1M Return4.63%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.08%
1M Return3.43%
Value36.70
Score3/3
Weight7.08%
1M Return3.43%
Profit-MV
Value0.04
Score2/3
Weight11.46%
1M Return5.27%
Value0.04
Score2/3
Weight11.46%
1M Return5.27%
Total profit (YoY growth rate %)
Value120.41
Score3/3
Weight10.02%
1M Return4.68%
Value120.41
Score3/3
Weight10.02%
1M Return4.68%
PB-ROE
Value1.41
Score2/3
Weight11.76%
1M Return5.42%
Value1.41
Score2/3
Weight11.76%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.08%
1M Return3.43%
Value100.00
Score3/3
Weight7.08%
1M Return3.43%
Asset-MV
Value-0.50
Score2/3
Weight16.57%
1M Return7.51%
Value-0.50
Score2/3
Weight16.57%
1M Return7.51%
Cash-MV
Value0.14
Score0/3
Weight6.56%
1M Return3.01%
Value0.14
Score0/3
Weight6.56%
1M Return3.01%
Is PDLB fundamentally strong?
- PDLB scores 3.20/10 on fundamentals and holds a Fair valuation at present. Backed by its 3.42% ROE, 21.36% net margin, 25.10 P/E ratio, 0.77 P/B ratio, and 143.24% earnings growth, these metrics solidify its Netural investment rating.
