PDL Community Bancorp chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 2.89
Dividend & YieldN/A$ (N/A)
Beta 0.34
Market capitalization 243.58M
Operating cash flow 4.75M
ESG Scores unknown

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.

Sector: Financial Services - Industry: Banks—Regional

Financial data

Diluted earning per share

Net income vs Operating income

Asset vs Liabilities

Similar Companies
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Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities
Total Cashflows From Investing Activities -126.61M -38.67M -204.6M -211.14M
Net Borrowings 33M 35M 33.68M -25.87M
Total Cash From Financing Activities 128.78M -8.48M 276.5M 274.4M
Change To Operating Activities 2.04M -2.12M -25.64M 5.25M
Issuance Of Stock 4.74M 4.74M 4.74M 4.74M
Net Income 2.68M -5.12M 3.85M 25.41M
Change In Cash 10.05M -42.1M 44.4M 81.82M
Effect Of Exchange Rate
Total Cash From Operating Activities 7.88M 5.05M -27.5M 18.55M
Depreciation 1.8M 2.22M 2.52M 2.47M
Change To Account Receivables
Other Cashflows From Financing Activities 95.77M -27.71M 247.54M 297.14M
Change To Netincome 1.83M 10.26M -820k -13.61M
Capital Expenditures -5.76M -3.82M -1.9M -4.17M

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 3.8M -6.05M 5.24M 33.62M
Net Income 2.68M -5.12M 3.85M 25.41M
Selling General Administrative 31.34M 33.36M 42.52M 48.36M
Gross Profit 38.35M 40.56M 52.77M 90.77M
Ebit
Operating Income 3.8M 3.88M 5.24M 33.62M
Interest Expense
Income Tax Expense 1.12M -924k 1.38M 8.21M
Total Revenue 38.35M 40.56M 52.77M 90.77M
Cost Of Revenue
Total Other Income ExpenseNet -272k -19.86M
Net Income From Continuing Ops 2.68M -5.12M 3.85M 25.41M
Net Income Applicable To Common Shares 2.68M -5.12M 3.85M 25.41M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 890.73M 895.35M 1.2B 1.46B
Total Stockholder Equity 169.17M 158.4M 159.54M 189.26M
Other Current Liabilities
Total Assets 1.06B 1.05B 1.36B 1.65B
Common Stock 185k 185k 185k 185k
Other Current Assets 8.17M 9.94M 46.95M 28.27M
Retained Earnings 98.81M 93.69M 97.54M 122.96M
Treasury Stock -14.41M -20.25M -23.29M -19.49M
Cash 65.4M 22.75M 71.93M 153.82M
Total Current Liabilities 834.82M 790.17M 1.07B 1.3B
Other Stockholder Equity -14.41M -5.77M -5.17M -5.8M
Property, Plant, and Equipment 31.14M 32.75M 32.05M 19.62M
Total Current Assets 73.57M 32.69M 121.78M 184.75M
Net Tangible Assets 169.17M 158.4M 159.54M 189.26M
Net Receivables
Accounts Payable 809.76M 782.04M 1.03B 1.2B


Insider Transactions

Here are the insider transactions of stock shares related to PDL Community Bancorp:

Filer Name Transaction Text Ownership Date Filer Relation Shares
ALVAREZ MARIAPurchase at price 9.16 per share.D2022-06-13Director1.09k
LUGO NICK RPurchase at price 9.55 per share.D2022-06-06Director1.05k
VACCARO SERGIO JAVIERPurchase at price 9.24 per share.D2022-06-06Chief Financial Officer10k
TSAVARIS STEVEN APurchase at price 9.56 per share.D2022-06-03Officer and Director2k
NAUDON CARLOS PPurchase at price 9.53 per share.D2022-06-02Chief Executive Officer1.5k
GONZALEZ LUIS GERARDO JR.Purchase at price 9.51 per share.D2022-06-02Chief Operating Officer225
GONZALEZ LUIS GERARDO JR.Purchase at price 9.29 per share.D2022-05-09Chief Operating Officer107
GONZALEZ LUIS GERARDO JR.Sale at price 9.26 per share.D2022-05-09Chief Operating Officer107
NAUDON CARLOS PStock Award(Grant) at price 0.00 per share.D2022-04-01Chief Executive Officer16.28k
PEREZ FRANKStock Award(Grant) at price 0.00 per share.D2022-04-01Chief Financial Officer7.91k
GURMAN JULIOStock Award(Grant) at price 0.00 per share.D2022-04-01Director4.65k
DEMETRIOU JAMES CStock Award(Grant) at price 0.00 per share.D2022-04-01Director4.65k
TSAVARIS STEVEN AStock Award(Grant) at price 0.00 per share.D2022-04-01Officer and Director16.28k
FELDMAN WILLIAMStock Award(Grant) at price 0.00 per share.D2022-04-01Director4.65k
LUGO NICK RStock Award(Grant) at price 0.00 per share.D2022-04-01Director4.65k
PEREZ JAMESStock Award(Grant) at price 0.00 per share.D2022-04-01Director4.65k
RODRIGUEZ DAVIDSale at price 14.62 per share.D2021-12-07Officer183
KOUZILOS IOANNISSale at price 10.60 - 10.93 per share.D2020-12-08Officer1.14k
RODRIGUEZ DAVIDSale at price 10.60 - 10.93 per share.D2020-12-08Officer188
KOUZILOS IOANNISSale at price 10.83 per share.D2020-11-23Officer1k
LAGOUDIS MICHAEL J.Stock Award(Grant) at price 10.05 per share.D2020-07-23Officer15k
TSAVARIS STEVEN AStock Award(Grant) at price 9.79 per share.D2020-06-11Officer and Director2.02k
ALVAREZ MARIAStock Award(Grant) at price 10.11 per share.I2020-06-09Director1.02k
NAUDON CARLOS PStock Award(Grant) at price 9.50 per share.D2020-06-02Chief Executive Officer8.69k
ALVAREZ MARIAStock Award(Grant) at price 0.00 per share.D2019-01-31Director29.73k
ALVAREZ MARIAStock Award(Grant) at price 0.00 per share.D2019-01-31Director29.73k
NAUDON CARLOS PStock Award(Grant) at price 0.00 per share.D2018-12-04Chief Executive Officer148.63k
PEREZ FRANKStock Award(Grant) at price 0.00 per share.D2018-12-04Chief Financial Officer25k
GURMAN JULIOStock Award(Grant) at price 0.00 per share.D2018-12-04Director29.73k
KOUZILOS IOANNISStock Award(Grant) at price 0.00 per share.D2018-12-04Officer15k
MACIAS ELIZABETHStock Award(Grant) at price 0.00 per share.D2018-12-04Chief Technology Officer15k
DEMETRIOU JAMES CStock Award(Grant) at price 0.00 per share.D2018-12-04Director29.73k
TSAVARIS STEVEN AStock Award(Grant) at price 0.00 per share.D2018-12-04Officer148.63k
FELDMAN WILLIAMStock Award(Grant) at price 0.00 per share.D2018-12-04Director29.73k
RODRIGUEZ DAVIDStock Award(Grant) at price 0.00 per share.D2018-12-04Officer2.5k
MARQUEZ MADELINE VStock Award(Grant) at price 0.00 per share.D2018-12-04Officer2.5k
MARQUEZ MADELINE VStock Award(Grant) at price 0.00 per share.D2018-12-04Officer2.5k
ROMERO MANUEL AStock Award(Grant) at price 0.00 per share.D2018-12-04Director29.73k
LUGO NICK RStock Award(Grant) at price 0.00 per share.D2018-12-04Director29.73k
KOUZILOS IOANNISPurchase at price 12.95 per share.D2018-11-27Officer300
ROMERO MANUEL APurchase at price 14.93 - 15.06 per share.D2018-09-13Director6.88k
NAUDON CARLOS PPurchase at price 14.65 - 14.89 per share.D2018-09-12Chief Executive Officer3.41k
PEREZ FRANKPurchase at price 14.78 - 14.95 per share.D2018-09-12Chief Financial Officer1.35k
KOUZILOS IOANNISPurchase at price 15.95 per share.D2018-06-01Officer275

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to PDL Community Bancorp. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on PDL Community Bancorp

Here is the result of two systematic investment strategies applied to PDL Community Bancorp. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on PDL Community Bancorp

The following chart shows the equity curve of the two systematic investment strategies applied to PDL Community Bancorp:

PDL Community Bancorp automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 16.3% on the backtest period.

Performance at glance

Performance

16.3 %

Latent gain

367.62 $

Invested capital

2255.0 $

Annualized return

3.94 %
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Momentum strategy results on PDL Community Bancorp

This is the result of two momentum investment strategies applied to PDL Community Bancorp. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on PDL Community Bancorp

The following chart shows all the entries opened by the momentum investment system on PDL Community Bancorp:

PDL Community Bancorp momentum entries
  • The first momentum investment strategy would give 16.3% of return on PDL Community Bancorp. That represents 814.01$ of latent gain with 4993.22$ of employed capital.
  • The second momentum investment strategy would give 23.62% of return on PDL Community Bancorp. That represents 1065.67$ of latent gain with 4511.0$ of employed capital.
Performance at glance (1Q Momentum)

Performance

16.3 %

Latent gain

814.01 $

Invested capital

4993.22 $

Annualized return

0.0 %
Performance at glance (2Q Momentum)

Performance

23.62 %

Latent gain

1065.67 $

Invested capital

4511.0 $

Annualized return

6.45 %

Momentum equity curve on PDL Community Bancorp

The following chart shows the equity curve of the two momentum strategies applied to PDL Community Bancorp:

PDL Community Bancorp momentum equity

Note: the dividends potentially given by PDL Community Bancorp are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on PDL Community Bancorp

The following chart shows the employed capital evolution of the two momentum strategies on PDL Community Bancorp since the beginning:

PDL Community Bancorp

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on PDL Community Bancorp

Buy the dip entry openings on PDL Community Bancorp

PDL Community Bancorp

The performance achieved by the robo-advisor on PDL Community Bancorp is 0%. That represents 0.0$ of latent gain with 0.0$ of employed capital. The following chart shows PDL Community Bancorp stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of PDL Community Bancorp, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

0 %

Latent gain

0.0 $

Invested capital

0.0 $

Annualized return

0.0 %

Equity curve of the strategy applied to PDL Community Bancorp

The following chart shows the result of the investment strategy applied to PDL Community Bancorp:

PDL Community Bancorp

Note: the dividends potentially given by PDL Community Bancorp are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on PDL Community Bancorp

The following chart shows the employed capital evolution since the beginning of the investment strategy on PDL Community Bancorp:

PDL Community Bancorp

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on PDL Community Bancorp

In this section, I will compare the three previous investment strategies applied to PDL Community Bancorp.

Equity curve comparison on PDL Community Bancorp

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

PDL Community Bancorp investment strategy comparison

Employed capital comparison on PDL Community Bancorp

PDL Community Bancorp investment comparison

Performance comparison on PDL Community Bancorp

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 16.3% 367.62$ 2255.0$ 3.94%
Momentum 1 quarter 16.3% 814.01$ 4993.22$ 4.18%
Momentum 2 quarters 23.62% 1065.67$ 4511.0$ 6.45%
Non-directional 0% 0.0$ 0.0$ 0.0%
Annualized return comparison

Automatic investment

3.94 %

Momentum 1Q

6.45 %

Momentum 2Q

6.45 %

Non-directional

0.0 %

Correlated stocks

Here are the most positively and negatively correlated stocks with PDL Community Bancorp:

Positive correlations

Most correlated stocks this year

  • Ponce Financial Group Inc

  • Most correlated stocks last 3 months

  • Healthcare Services Group Inc
  • Enlivex Therapeutics Ltd
  • Ponce Financial Group Inc
  • EXCHANGE INCOME CORPORATION

  • Negative correlation

    Most negatively correlated stocks this year


    Most negatively correlated stocks last 3 months


    Note: The algorithm computes the probability of correlation between PDL Community Bancorp and the other stocks. There may be false positives or some missing correlated stocks. If the price of PDL Community Bancorp does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name PDL Community Bancorp
    Country United States
    City Bronx
    Address 2244 Westchester Avenue
    Phone 718 931 9000
    Website www.poncebank.com
    FullTime employees 257
    Industry Banks—Regional
    Sector Financial Services
    Exchange XNAS
    Ticker PDLB
    Market www.nasdaq.com

    PDL Community Bancorp ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 0
    Peer Environment Performance unknown
    Environment Percentile unknown
    Palm Oil unknown
    Nuclear unknown
    Fur Leather unknown
    GMO unknown
    Coal unknown
    Pesticides unknown
    Animal Testing unknown

    Social scores

    Social ESG Factors Scores
    Social Score 0
    Peer Social Performance unknown
    Social Percentile unknown
    Highest Controversy unknown
    Peer Highest Controversy Performance unknown
    Adult unknown
    Gambling unknown
    Alcoholic unknown
    Tobacco unknown
    Catholic unknown
    Controversial Weapons unknown
    Small Arms unknown
    Military Contract unknown
    Peer Count unknown

    Related Controversy:


    Governance scores

    Governance ESG Factors Scores
    Governance Score 0
    Peer Governance Performance unknown
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: unknown
    Environment Score: 0
    Social Score: 0
    Governance Score: 0

    ESG Performance: unknown

    Peer Group: unknown

    Peer Esg Score Performance: unknown

    Rating Year: unknown

    Rating Month: unknown

    Max Age: unknown

    Percentile: unknown