PDLB - PDL Community Bancorp Stock Price, Fair Value and News

8.40USD-0.05 (-0.59%)Market Closed

Market Summary

USD8.40-0.05

Market Closed

-0.59%

PDLB Stock Price

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PDLB RSI Chart

PDLB Valuation

Market Cap

199.8M

Price/Earnings (Trailing)

59.62

Price/Sales (Trailing)

1.59

EV/EBITDA

9.85

Price/Free Cashflow

32.86

PDLB Price/Sales (Trailing)

PDLB Profitability

EBT Margin

4.65%

Return on Equity

0.68%

Return on Assets

0.12%

Free Cashflow Yield

3.04%

PDLB Fundamentals

PDLB Revenue

Revenue (TTM)

125.9M

Rev. Growth (Yr)

40.18%

Rev. Growth (Qtr)

4.31%

PDLB Earnings

Earnings (TTM)

3.4M

Earnings Growth (Yr)

105.62%

Earnings Growth (Qtr)

-80%

Breaking Down PDLB Revenue

Last 7 days

2.1%

Last 30 days

2.3%

Last 90 days

-9.1%

Trailing 12 Months

21.7%

How does PDLB drawdown profile look like?

PDLB Financial Health

Debt/Equity

1.39

Debt/Cashflow

0.01

PDLB Investor Care

Shares Dilution (1Y)

2.14%

Diluted EPS (TTM)

0.15

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2023	90.1M	104.0M	115.8M	125.9M
2022	70.9M	72.3M	76.5M	82.8M
2021	56.8M	60.2M	63.7M	67.1M
2020	0	0	0	53.3M
2019	0	0	0	50.5M

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Tracking the Latest Insider Buys and Sells of PDL Community Bancorp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Dec 07, 2023	vaccaro sergio javier	acquired	361,550	10.33	35,000	chief financial officer
Dec 07, 2023	naudon carlos p	acquired	2,184,550	10.33	211,476	president & ceo
Dec 07, 2023	perez frank	acquired	25,825	10.33	2,500	chief investorrelationsofficer
Dec 07, 2023	lugo nick r.	acquired	294,715	10.33	28,530	-
Dec 07, 2023	feldman william	acquired	294,715	10.33	28,530	-
Dec 07, 2023	gurman julio	acquired	294,715	10.33	28,530	-
Dec 07, 2023	tsavaris steven	acquired	2,184,550	10.33	211,476	executive chairman
Dec 07, 2023	demetriou james c.	acquired	294,715	10.33	28,530	-
Dec 07, 2023	kouzilos ioannis	acquired	86,079	10.33	8,333	evp & chief lending officer
Dec 07, 2023	marquez madeline v.	acquired	17,209	10.33	1,666	chief external affairs officer

Which funds bought or sold PDLB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 01, 2024	Mirae Asset Global Investments Co., Ltd.	sold off	-100	-113,011	-	-%
May 01, 2024	CONCOURSE FINANCIAL GROUP SECURITIES, INC.	sold off	-	-	-	-%
Apr 30, 2024	Avior Wealth Management, LLC	new	-	35.00	35.00	-%
Apr 29, 2024	American Capital Advisory, LLC	sold off	-100	-9,760	-	-%
Apr 26, 2024	Planned Solutions, Inc.	sold off	-100	-11,712	-	-%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-12.02	-119,203	483,760	-%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.34	-11,000	6,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	21,445	107,887	-%
Apr 08, 2024	BEESE FULMER INVESTMENT MANAGEMENT, INC.	reduced	-1.00	-46,461	431,525	0.04%
Apr 05, 2024	LOS ANGELES CAPITAL MANAGEMENT LLC	added	166	278,767	473,703	-%

Are Funds Buying or Selling PDLB?

Are funds buying PDLB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own PDLB

No. of Funds

Unveiling PDL Community Bancorp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	m3 partners lp	8.92%	2,110,719	SC 13G/A
Feb 14, 2024	t. rowe price investment management, inc.	10.6%	2,513,061	SC 13G/A
Feb 13, 2024	ponce bank employees stock ownership plan with 401(k) provisions	8.5%	2,007,356	SC 13G/A
Jan 26, 2024	blackrock inc.	7.0%	1,646,090	SC 13G
Feb 14, 2023	ponce bank employees stock ownership plan with 401(k) provisions	8.3%	2,057,446	SC 13G/A
Feb 14, 2023	t. rowe price investment management, inc.	10.2%	2,513,061	SC 13G/A
Feb 10, 2023	m3 partners lp	8.24%	2,037,914	SC 13G/A
Feb 14, 2022	price t rowe associates inc /md/	8.3%	1,443,014	SC 13G/A
Feb 14, 2022	m3 partners lp	5.47%	947,681	SC 13G/A
Jul 19, 2021	m3 partners lp	-	0	SC 13G

Recent SEC filings of PDL Community Bancorp

View All Filings

Date Filed	Form Type	Document
Apr 30, 2024	8-K	Current Report
Apr 26, 2024	DEFA14A	DEFA14A
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	ARS	ARS
Mar 19, 2024	10-K	Annual Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 14, 2024	SC 13G/A	Major Ownership Report
Feb 13, 2024	SC 13G/A	Major Ownership Report
Jan 30, 2024	8-K	Current Report
Jan 30, 2024	8-K	Current Report

Peers (Alternatives to PDL Community Bancorp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	550.4B	174.7B	-3.62%	40.95%	10.93	3.15	53.11%	19.83%
BAC	288.3B	127.4B	-1.15%	32.34%	11.52	2.26	44.27%	-12.56%
WFC	208.6B	85.8B	4.32%	56.01%	11.11	2.43	35.02%	26.14%
C	117.6B	133.3B	-2.05%	34.77%	12.75	0.88	79.09%	-
CFG	16.1B	10.2B	-0.14%	33.45%	9.98	1.57	44.53%	-22.43%
KEY	14.0B	8.1B	-2.62%	55.93%	16.03	1.72	32.15%	-50.93%
MID-CAP
CMA	6.9B	4.2B	-3.21%	45.81%	9.9	1.62	34.68%	-45.96%
ZION	6.3B	3.9B	0.71%	88.53%	9.31	1.6	45.91%	-25.03%
ABCB	3.4B	1.3B	3.97%	58.26%	12.49	2.62	43.24%	-22.35%
ASB	3.3B	1.8B	5.09%	36.86%	20.51	1.79	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	391.4M	152.4M	-5.49%	44.45%	39.37	2.57	16.94%	-73.84%
AROW	387.7M	162.6M	-2.25%	14.75%	12.89	2.38	25.39%	-38.37%
ACNB	284.2M	96.6M	-5.09%	17.23%	8.97	2.94	11.02%	-11.37%
ASRV	42.0M	60.9M	2.51%	-13.74%	-12.56	0.69	24.06%	-144.92%

PDL Community Bancorp News

Latest updates

PDL Community Bancorp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)														(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2019Q4
Revenue	4.3%	34,950	33,506	31,055	26,356	24,933	21,634	17,167	19,018	18,652	17,425	15,844	15,177	-	-
EBITDA Margin	9.7%	0.60*	0.55*	0.42*	0.48*	0.41*	0.83*	1.11*	1.22*	1.42*	1.14*	1.16*	1.01*	0.93*	-
Interest Expenses	4.0%	17,197	16,542	16,282	15,245	16,166	17,611	15,488	17,338	16,782	15,440	13,732	12,892	11,674	-
Income Taxes	-74.4%	442	1,728	-215	546	-2,589	-820	-488	-2,948	4,245	1,318	1,914	732	484	-
Earnings Before Taxes	-77.8%	960	4,318	-302	877	-11,803	-15,558	283	-9,768	19,224	3,370	7,846	3,184	2,112	-
EBT Margin	178.0%	0.05*	-0.06*	-0.26*	-0.29*	-0.45*	-0.08*	0.18*	0.29*	0.50*	0.26*	0.30*	0.17*	0.10*	-
Net Income	-80.0%	518	2,590	-87.00	331	-9,214	-14,738	771	-6,820	14,979	2,052	5,932	2,452	1,628	-
Net Income Margin	148.4%	0.03*	-0.06*	-0.23*	-0.25*	-0.36*	-0.08*	0.15*	0.23*	0.38*	0.19*	0.23*	0.13*	0.07*	-
Free Cashflow	223.8%	31,899	-25,776	-5,952	5,911	-4,490	-12,414	14,383	11,828	-6,386	-1,031	2,927	18,872	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet										(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2020Q4
Assets	4.8%	2,751	2,624	2,672	2,540	2,312	2,158	2,042	1,595	1,654	1,355
Cash Equivalents	19.0%	139	117	244	185	54.00	63.00	275	69.00	154	72.00
Net PPE	-2.4%	16.00	16.00	17.00	17.00	17.00	18.00	19.00	19.00	20.00	32.00
Liabilities	5.6%	2,259	2,139	2,181	2,043	1,819	1,658	1,524	1,295	1,464	1,196
Long Term Debt	1.4%	684	675	682	648	517	-	-	-	-	-
Shareholder's Equity	1.3%	491	485	490	496	493	501	518	300	189	160
Retained Earnings	0.5%	97.00	97.00	94.00	94.00	93.00	102	117	116	123	98.00
Additional Paid-In Capital	-0.3%	207	208	207	207	207	206	206	205	86.00	85.00
Shares Outstanding	6.8%	24.00	22.00	23.00	23.00	25.00	23.00	23.00	22.00	17.00	17.00
Float	-	-	-	184,415	-	-	-	228,452	-	-	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)														(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2019Q4
Cashflow From Operations	224.1%	31,940	-25,732	-5,861	6,146	-4,431	-12,260	14,532	11,958	-9,477	-333	5,752	22,611	-	-
Share Based Compensation	66.2%	673	405	404	404	406	405	400	356	350	351	352	352	-	-
Cashflow From Investing	-165.2%	-125,571	-47,355	-68,698	-91,284	-135,955	-354,486	-241,831	-44,789	19,049	-10,998	-133,124	-86,066	-	-
Cashflow From Financing	315.7%	115,809	-53,690	133,661	215,465	132,225	154,461	432,810	-51,768	81,284	8,277	103,342	81,499	-	-
Buy Backs	-100.0%	-	5,809	-	-	-	-	-	-	-	-	436	1,171	-	-

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PDLB Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($)
$ in Thousands

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Interest and dividend income:

Interest on loans receivable

$ 95,805

$ 69,865

$ 65,532

Interest on deposits due from banks

4,973

713

Interest and dividend on securities and FHLBNY stock

25,089

12,174

1,546

Total interest and dividend income

125,867

82,752

67,098

Interest expense:

Interest on certificates of deposit (1)

^[1]

16,571

4,148

4,244

Interest on other deposits (1)

^[1]

18,570

5,802

1,427

Interest on borrowings

25,460

6,199

2,581

Total interest expense

60,601

16,149

8,252

Net interest income

65,266

66,603

58,846

Provision for credit losses (Note 3) (Note 5)

973

24,046

2,717

Net interest income after provision for credit losses

64,293

42,557

56,129

Non-interest income:

Service charges and fees

1,986

1,830

1,657

Brokerage commissions

1,020

1,324

Late and prepayment charges

2,365

623

1,207

Income on sale of mortgage loans

598

741

5,265

Loan origination

1,286

3,021

Grant income

4,156

Loss on sale of premises and equipment

(436)

20,270

Other

1,038

1,355

1,893

Total non-interest income

10,223

6,419

34,637

Non-interest expense:

Compensation and benefits

30,699

27,914

23,262

Occupancy and equipment

14,568

13,968

11,328

Data processing expenses

5,083

3,779

3,015

Direct loan expenses

1,623

2,487

3,888

Provision for contingencies

2,311

126

Insurance and surety bond premiums

1,018

870

585

Office supplies, telephone and postage

1,483

1,555

2,054

Professional fees

7,092

5,904

7,629

Contribution to the Ponce De Leon Foundation (Note 2)

4,995

Grain (recoveries) and write-off (Note 5)

(1,481)

17,940

Marketing and promotional expenses

825

593

206

Directors' fees and regulatory assessment

657

705

608

Other operating expenses

4,785

4,986

4,522

Total non-interest expense

68,663

85,822

57,142

Income (loss) before income taxes

5,853

(36,846)

33,624

Provision (benefit) for income taxes (Note 11)

2,501

(6,845)

8,209

Net income (loss)

$ 3,352

$ (30,001)

$ 25,415

Earnings (loss) per share: (Note 13)

Basic

$ 0.15

$ (1.32)

$ 1.52

Diluted

$ 0.15

$ (1.32)

$ 1.51

Weighted average shares outstanding: (Note 13)

Basic

22,745,317

22,690,943

16,744,561

Diluted

22,822,313

22,690,943

16,791,443

[1]	For the year ended December 31, 2022, $0.7 million of interest expense were reclassified from Interest on other deposits to Interest on certificates of deposits.

About PDL Community Bancorp

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 mortgage loans, which includes 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. The company was founded in 1960 and is headquartered in Bronx, New York.

CEO	Mr. Carlos P. Naudon
WEBSITE	poncebank.com
INDUSTRY	Banks Diversified
EMPLOYEES	244

PDL Community Bancorp Frequently Asked Questions

What is the ticker symbol for PDL Community Bancorp? What does PDLB stand for in stocks?

PDLB is the stock ticker symbol of PDL Community Bancorp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of PDL Community Bancorp (PDLB)?

As of Thu May 02 2024, market cap of PDL Community Bancorp is 199.84 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of PDLB stock?

You can check PDLB's fair value in chart for subscribers.

What is the fair value of PDLB stock?

You can check PDLB's fair value in chart for subscribers. The fair value of PDL Community Bancorp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of PDL Community Bancorp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for PDLB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is PDL Community Bancorp a good stock to buy?

The fair value guage provides a quick view whether PDLB is over valued or under valued. Whether PDL Community Bancorp is cheap or expensive depends on the assumptions which impact PDL Community Bancorp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for PDLB.

What is PDL Community Bancorp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Thu May 02 2024, PDLB's PE ratio (Price to Earnings) is 59.62 and Price to Sales (PS) ratio is 1.59. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. PDLB PE ratio will change depending on the future growth rate expectations of investors.