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PDLB$17.84+0.00%
Fair $17.84+0.0%

PDLB

Ponce Financial Group, Inc.

Financial Services / Banks - RegionalNasdaqGM

$17.84

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $17.84Fund rank 29/100 · Data gapFallback financials|
SA 31/D
F-Score: 7/9

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 9.0/100

Data gap 29/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 48/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

31/100

D

Piotroski

7/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 7Warnings: 0unknown: 7
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified.
Thesis & Journal · PDLBLocal privado en este navegador · Ponce Financial Group, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$432M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

5.3%

↓

Gross Margin

N/A

•

Debt/Equity

1.10

↑
No hay histórico de precio usable para pintar el gráfico TradingView.

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2019–2025 · 6 años de histórico normalizado

Revenue CAGR

+24.2%

FCF CAGR

+88.2%

FCF margin

29.4%

FCF / Net income

1.90x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $185.5M · net income $28.7M · FCF $54.6M

2019-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

15.5%+25.6% pts

FCF margin

29.4%+27.0% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
Income Statement
Revenue$185.5M$185.5M$162.6M$125.9M$82.8M$67.1M$53.3M$50.5M
Net Income$28.7M$28.7M$11.0M$3.4M$-30.0M$25.4M$3.9M$-5.1M
EPS1.201.200.460.15-1.321.510.23-0.29
Net Margin15.5%15.5%6.7%2.7%-36.3%37.9%7.2%-10.2%
Balance Sheet
Debt/Equity1.101.101.181.391.05———
Cash Flow
Free Cash Flow$54.6M$54.6M$4.5M$6.1M$9.3M$14.4M$-29.4M$1.2M
Returns
ROE5.3%5.3%2.2%0.7%-6.1%13.4%2.4%-3.2%
Growth & Yield
Revenue Growth14.1%14.1%29.2%52.1%23.3%25.8%5.6%—
EPS Growth160.9%160.9%206.7%111.4%-187.4%556.5%179.3%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

9.7%

razonable

EPS terminal req.

$1.58

Spread vs growth

151.2%

5Y implied EPS CAGR

9.8%

razonable

EPS terminal req.

$1.92

Spread vs growth

151.1%

10Y implied EPS CAGR

9.9%

razonable

EPS terminal req.

$3.08

Spread vs growth

151.0%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · available periodreconcilia total n/d
Return attribution requires positive start and end prices.

Unavailable: positive start/end prices are required.