PDLB: Ponce Financial Group Inc Financial Statements
Balance sheet, income statement, and cash flow statements for Ponce Financial Group Inc (PDLB).
$309.78M Market Cap.
PDLB Market Cap. (MRY)
PDLB Shares Outstanding (MRY)
PDLB Assets (MRY)
Total Assets
$3.04B
Total Liabilities
$2.53B
Total Investments
$2.80B
PDLB Income (MRY)
Revenue
$82.36M
Net Income
$10.97M
Operating Expense
$66.67M
PDLB Cash Flow (MRY)
CF Operations
$7.21M
CF Investing
-$294.90M
CF Financing
$288.33M
PDLB Balance Sheet (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Total Assets | $3,039,938,000 (10.51%) | $2,750,722,000 (18.98%) | $2,311,989,000 (39.82%) | $1,653,510,000 (22.01%) |
Assets Current | - | - | - | - |
Assets Non-Current | - | - | - | - |
Goodwill & Intangible Assets | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Shareholders Equity | $505,500,000 (2.87%) | $491,395,000 (-0.26%) | $492,700,000 (160.34%) | $189,256,000 (18.62%) |
Property Plant & Equipment Net | $45,887,000 (-3.04%) | $47,325,000 (-6.97%) | $50,869,000 (159.31%) | $19,617,000 (-38.78%) |
Cash & Equivalents | $139,839,000 (0.47%) | $139,190,000 (156.05%) | $54,360,000 (-64.68%) | $153,894,000 (113.51%) |
Accumulated Other Comprehensive Income | -$15,297,000 (2.25%) | -$15,649,000 (12.38%) | -$17,860,000 (-1126.65%) | -$1,456,000 (-1178.52%) |
Deferred Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Investments | $2,799,674,000 (11.67%) | $2,507,142,000 (15.99%) | $2,161,586,000 (49.73%) | $1,443,685,000 (18.10%) |
Investments Current | - | - | - | - |
Investments Non-Current | - | - | - | - |
Inventory | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Receivables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Trade & Non-Trade Payables | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Accumulated Retained Earnings (Deficit) | $107,754,000 (10.61%) | $97,420,000 (4.80%) | $92,955,000 (-24.40%) | $122,956,000 (26.06%) |
Tax Assets | $12,074,000 (-15.75%) | $14,332,000 (-11.19%) | $16,137,000 (322.43%) | $3,820,000 (-17.96%) |
Tax Liabilities | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Total Debt | $637,145,000 (-12.47%) | $727,883,000 (29.60%) | $561,631,000 (335.37%) | $129,002,000 (-17.16%) |
Debt Current | - | - | - | - |
Debt Non-Current | - | - | - | - |
Total Liabilities | $2,534,438,000 (12.18%) | $2,259,327,000 (24.19%) | $1,819,289,000 (24.25%) | $1,464,254,000 (22.46%) |
Liabilities Current | - | - | - | - |
Liabilities Non-Current | - | - | - | - |
PDLB Income Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Revenues | $82,359,000 (10.53%) | $74,516,000 (52.15%) | $48,976,000 (-46.04%) | $90,766,000 (71.99%) |
Cost of Revenue | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Selling General & Administrative Expense | $51,884,000 (-2.68%) | $53,315,000 (10.66%) | $48,177,000 (19.99%) | $40,150,000 (11.79%) |
Research & Development Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Operating Expenses | $66,674,000 (-2.90%) | $68,663,000 (-19.99%) | $85,822,000 (50.19%) | $57,142,000 (20.20%) |
Interest Expense | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Income Tax Expense | $4,713,000 (88.44%) | $2,501,000 (136.54%) | -$6,845,000 (-183.38%) | $8,209,000 (493.99%) |
Net Loss Income from Discontinued Operations | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Consolidated Income | $10,972,000 (227.33%) | $3,352,000 (111.17%) | -$30,001,000 (-218.04%) | $25,415,000 (559.62%) |
Net Income to Non-Controlling Interests | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income | $10,972,000 (227.33%) | $3,352,000 (111.17%) | -$30,001,000 (-218.04%) | $25,415,000 (559.62%) |
Preferred Dividends Income Statement Impact | $638,000 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Income Common Stock | $10,334,000 (208.29%) | $3,352,000 (111.17%) | -$30,001,000 (-218.04%) | $25,415,000 (559.62%) |
Weighted Average Shares | $22,434,654 (-1.37%) | $22,745,317 (0.24%) | $22,690,943 (35.51%) | $16,744,561 (0.43%) |
Weighted Average Shares Diluted | $22,551,715 (-1.19%) | $22,822,313 (0.58%) | $22,690,943 (35.13%) | $16,791,443 (0.65%) |
Earning Before Interest & Taxes (EBIT) | $15,685,000 (167.98%) | $5,853,000 (115.89%) | -$36,846,000 (-209.58%) | $33,624,000 (542.29%) |
Gross Profit | $82,359,000 (10.53%) | $74,516,000 (52.15%) | $48,976,000 (-46.04%) | $90,766,000 (71.99%) |
Operating Income | $15,685,000 (167.98%) | $5,853,000 (115.89%) | -$36,846,000 (-209.58%) | $33,624,000 (542.29%) |
PDLB Cash Flow Statement (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Net Cash Flow from Investing | -$294,898,000 (11.42%) | -$332,908,000 (57.16%) | -$777,061,000 (-268.03%) | -$211,139,000 (-3.20%) |
Net Cash Flow from Financing | $288,335,000 (-29.89%) | $411,245,000 (-38.41%) | $667,728,000 (143.34%) | $274,402,000 (-0.76%) |
Net Cash Flow from Operations | $7,212,000 (11.07%) | $6,493,000 (-33.74%) | $9,799,000 (-47.18%) | $18,553,000 (167.47%) |
Net Cash Flow / Change in Cash & Cash Equivalents | $649,000 (-99.23%) | $84,830,000 (185.23%) | -$99,534,000 (-221.66%) | $81,816,000 (84.27%) |
Net Cash Flow - Business Acquisitions and Disposals | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Net Cash Flow - Investment Acquisitions and Disposals | -$292,180,000 (12.13%) | -$332,497,000 (57.18%) | -$776,569,000 (-217.50%) | -$244,587,000 (-18.48%) |
Capital Expenditure | -$2,718,000 (-561.31%) | -$411,000 (16.46%) | -$492,000 (-101.47%) | $33,448,000 (1077.33%) |
Issuance (Repayment) of Debt Securities | -$88,321,000 (-152.87%) | $167,046,000 (-57.82%) | $396,030,000 (1630.79%) | -$25,871,000 (-176.82%) |
Issuance (Purchase) of Equity Shares | $0 (0%) | -$11,009,000 (-550550.00%) | $2,000 (-100.00%) | $125,136,000 (2756.25%) |
Payment of Dividends & Other Cash Distributions | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Effect of Exchange Rate Changes on Cash | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Share Based Compensation | $3,548,000 (17.17%) | $3,028,000 (3.03%) | $2,939,000 (4.96%) | $2,800,000 (44.11%) |
Depreciation Amortization & Accretion | $4,737,000 (4.66%) | $4,526,000 (6.09%) | $4,266,000 (72.50%) | $2,473,000 (-1.83%) |
PDLB Financial Metrics (MRY)
Metric | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|
Gross Margin | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) | 100.00% (0.00%) |
Profit Margin | 12.50% (177.78%) | 4.50% (107.34%) | -61.30% (-318.93%) | 28.00% (283.56%) |
EBITDA Margin | 24.80% (78.42%) | 13.90% (120.90%) | -66.50% (-267.09%) | 39.80% (170.75%) |
Return on Average Equity (ROAE) | 2.10% (200.00%) | 0.70% (110.61%) | -6.60% (-145.21%) | 14.60% (508.33%) |
Return on Average Assets (ROAA) | 0.40% (300.00%) | 0.10% (106.67%) | -1.50% (-188.24%) | 1.70% (466.67%) |
Return on Sales (ROS) | 19.00% (140.51%) | 7.90% (110.51%) | -75.20% (-303.24%) | 37.00% (273.74%) |
Return on Invested Capital (ROIC) | 0.50% (150.00%) | 0.20% (112.50%) | -1.60% (-172.73%) | 2.20% (450.00%) |
Dividend Yield | 0% (0%) | 0% (0%) | 0% | - |
Price to Earnings Ratio (P/E) | 28.26 (-56.57%) | 65.07 (1021.50%) | -7.06 | - |
Price to Sales Ratio (P/S) | 3.54 (18.87%) | 2.98 (-31.01%) | 4.32 | - |
Price to Book Ratio (P/B) | 0.61 (30.43%) | 0.47 (0.43%) | 0.47 | - |
Debt to Equity Ratio (D/E) | 5.01 (9.05%) | 4.6 (24.54%) | 3.69 (-52.28%) | 7.74 (3.24%) |
Earnings Per Share (EPS) | 0.46 (206.67%) | 0.15 (111.36%) | -1.32 (-186.84%) | 1.52 (560.87%) |
Sales Per Share (SPS) | 3.67 (12.06%) | 3.28 (51.81%) | 2.16 (-60.19%) | 5.42 (71.28%) |
Free Cash Flow Per Share (FCFPS) | 0.2 (-25.09%) | 0.27 (-34.88%) | 0.41 (-86.80%) | 3.11 (310.01%) |
Book Value Per Share (BVPS) | 22.53 (4.30%) | 21.6 (-0.51%) | 21.71 (92.11%) | 11.3 (18.12%) |
Tangible Assets Book Value Per Share (TABVPS) | 135.5 (12.04%) | 120.94 (18.69%) | 101.89 (3.18%) | 98.75 (21.49%) |
Enterprise Value Over EBIT (EV/EBIT) | 50 (-65.03%) | 143 (1200.00%) | -13 | - |
Enterprise Value Over EBITDA (EV/EBITDA) | 38.17 (-52.62%) | 80.56 (664.56%) | -14.27 | - |
Asset Turnover | 0.03 (0.00%) | 0.03 (16.67%) | 0.02 (-60.00%) | 0.06 (36.36%) |
Current Ratio | - | - | - | - |
Dividends | $0 (0%) | $0 (0%) | $0 (0%) | $0 (0%) |
Free Cash Flow (FCF) | $4,494,000 (-26.11%) | $6,082,000 (-34.65%) | $9,307,000 (-82.10%) | $52,001,000 (310.88%) |
Enterprise Value (EV) | $779,462,975 (-6.78%) | $836,149,136 (79.85%) | $464,912,247 | - |
Earnings Before Tax (EBT) | $15,685,000 (167.98%) | $5,853,000 (115.89%) | -$36,846,000 (-209.58%) | $33,624,000 (542.29%) |
Earnings Before Interest Taxes & Depreciation Amortization (EBITDA) | $20,422,000 (96.76%) | $10,379,000 (131.86%) | -$32,580,000 (-190.26%) | $36,097,000 (365.53%) |
Invested Capital | $3,537,244,000 (5.92%) | $3,339,415,000 (18.45%) | $2,819,260,000 (73.11%) | $1,628,618,000 (13.19%) |
Working Capital | - | - | - | - |
Tangible Asset Value | $3,039,938,000 (10.51%) | $2,750,722,000 (18.98%) | $2,311,989,000 (39.82%) | $1,653,510,000 (22.01%) |
Market Capitalization | $309,777,975 (34.18%) | $230,859,136 (0.17%) | $230,469,247 | - |
Average Equity | $500,357,000 (1.96%) | $490,744,000 (8.39%) | $452,761,000 (159.61%) | $174,400,000 (9.70%) |
Average Assets | $2,929,154,000 (10.68%) | $2,646,519,000 (30.58%) | $2,026,787,500 (34.73%) | $1,504,370,500 (24.90%) |
Invested Capital Average | $3,473,747,250 (8.75%) | $3,194,346,500 (42.73%) | $2,238,023,750 (45.92%) | $1,533,744,500 (19.09%) |
Shares | 23,829,075 (0.74%) | 23,653,600 (-4.35%) | 24,728,460 (0.07%) | 24,711,974 (0.00%) |
