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1. Company Snapshot

1.a. Company Description

Ponce Financial Group, Inc.operates as the bank holding company for Ponce Bank that provides various banking products and services.It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit.


The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program.In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock.It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey.


Ponce Financial Group, Inc.was founded in 1960 and is headquartered in Bronx, New York.

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1.b. Last Insights on PDLB

The recent 3-month performance of Ponce Financial Group, Inc. was negatively impacted by the lack of significant strategic initiatives or major acquisitions. The company's focus on philanthropy, as evident from the $610,000 grant awarded to nonprofits, may have diverted resources away from core business operations. Furthermore, the absence of any notable share buyback or dividend announcements suggests that the company may not be prioritizing shareholder value creation. Additionally, the recent earnings releases have not highlighted any significant changes in the company's business conditions or product offerings.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Ponce Bank Awarded $50,000 Through FHLBNY Small Business Recovery Grant Program

Nov -17

Source: globenewswire.com

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Ponce Financial Group, Inc. Reports Third Quarter 2025 Results

Oct -24

Source: globenewswire.com

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Ponce Financial Group announces that Ponce Bank has commenced operations as Ponce Bank, National Association

Oct -14

Source: globenewswire.com

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Ponce Financial Q2 EPS Jumps 79 Percent

Jul -25

Source: fool.com

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Ponce Posts Q2 Profit Up 79 Percent

Jul -25

Source: fool.com

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Ponce Financial (PDLB) Q2 Earnings and Revenues Surpass Estimates

Jul -25

Source: zacks.com

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Ponce Financial Group, Inc. Reports Second Quarter 2025 Results

Jul -25

Source: globenewswire.com

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Best Momentum Stocks to Buy for May 23rd

May -23

Source: zacks.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (13.00%)

6. Segments

Banking and Related Activities

Expected Growth: 13%

Ponce Financial Group, Inc.'s 13% growth in Banking and Related Activities is driven by increasing demand for digital banking services, strategic expansion into underserved markets, and effective cost management. Additionally, the company's focus on customer experience, innovative product offerings, and strong risk management practices have contributed to its growth momentum.

7. Detailed Products

Wealth Management

Comprehensive investment management and financial planning services tailored to individual and institutional clients

Investment Banking

Strategic advisory services for mergers and acquisitions, capital raisings, and restructuring

Brokerage Services

Execution and clearing services for institutional and retail clients

Asset Management

Actively managed investment funds and separately managed accounts

Research and Analytics

Independent research and analytics services for institutional clients

8. Ponce Financial Group, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

Ponce Financial Group, Inc. operates in a highly competitive industry, but the threat of substitutes is mitigated by the company's strong brand recognition and customer loyalty.

Bargaining Power Of Customers

Ponce Financial Group, Inc. has a large customer base, but the bargaining power of customers is high due to the availability of alternative financial services providers.

Bargaining Power Of Suppliers

Ponce Financial Group, Inc. has a diversified supplier base, which reduces the bargaining power of suppliers.

Threat Of New Entrants

The threat of new entrants in the financial services industry is moderate, as there are barriers to entry such as regulatory requirements and capital requirements.

Intensity Of Rivalry

The financial services industry is highly competitive, with many established players competing for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 58.35%
Debt Cost 6.23%
Equity Weight 41.65%
Equity Cost 6.23%
WACC 6.23%
Leverage 140.07%

11. Quality Control: Ponce Financial Group, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

15.72$

Current Price

15.72$

Potential

-0.00%

Expected Cash-Flows