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Ponce Financial Group Inc
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PenkeI guess you are interested in Ponce Financial Group Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Ponce Financial Group Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Ponce Financial Group Inc (30 sec.)










What can you expect buying and holding a share of Ponce Financial Group Inc? (30 sec.)

How much money do you get?

How much money do you get?
$0.00
When do you have the money?
1 year
How often do you get paid?
3.1%

What is your share worth?

Current worth
$20.66
Expected worth in 1 year
$20.60
How sure are you?
59.4%

+ What do you gain per year?

Total Gains per Share
$-0.05
Return On Investment
-0.6%

For what price can you sell your share?

Current Price per Share
$8.90
Expected price per share
$8.21 - $9.2678
How sure are you?
50%

1. Valuation of Ponce Financial Group Inc (5 min.)




Live pricePrice per Share (EOD)

$8.90

Intrinsic Value Per Share

$42.86 - $51.65

Total Value Per Share

$63.52 - $72.31

2. Growth of Ponce Financial Group Inc (5 min.)




Is Ponce Financial Group Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$491.3m$452.7m$37.9m7.7%

How much money is Ponce Financial Group Inc making?

Current yearPrevious yearGrowGrow %
Making money$838k-$7.5m$8.3m995.0%
Net Profit Margin3.7%-41.7%--

How much money comes from the company's main activities?

3. Financial Health of Ponce Financial Group Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Ponce Financial Group Inc? (5 min.)

Welcome investor! Ponce Financial Group Inc's management wants to use your money to grow the business. In return you get a share of Ponce Financial Group Inc.

What can you expect buying and holding a share of Ponce Financial Group Inc?

First you should know what it really means to hold a share of Ponce Financial Group Inc. And how you can make/lose money.

Speculation

The Price per Share of Ponce Financial Group Inc is $8.9. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Ponce Financial Group Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Ponce Financial Group Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $20.66. Based on the TTM, the Book Value Change Per Share is $-0.01 per quarter. Based on the YOY, the Book Value Change Per Share is $3.19 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Ponce Financial Group Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.020.2%0.040.4%-0.32-3.5%-0.01-0.1%0.010.1%
Usd Book Value Change Per Share0.273.0%-0.01-0.2%3.1935.8%0.687.6%0.657.3%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.101.1%0.060.7%
Usd Total Gains Per Share0.273.0%-0.01-0.2%3.1935.8%0.788.7%0.718.0%
Usd Price Per Share9.76-8.53-9.53-11.13-9.25-
Price to Earnings Ratio112.04--80.73-13.13-1.63-20.18-
Price-to-Total Gains Ratio36.63-5.26--9.26-10.60-46.15-
Price to Book Ratio0.47-0.41-0.53-1.27-1.12-
Price-to-Total Gains Ratio36.63-5.26--9.26-10.60-46.15-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share8.9
Number of shares112
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.10
Usd Book Value Change Per Share-0.010.68
Usd Total Gains Per Share-0.010.78
Gains per Quarter (112 shares)-1.5486.99
Gains per Year (112 shares)-6.14347.97
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10-6-1645303338
20-12-2289607686
30-18-281349101034
40-25-3417812141382
50-31-4022315171730
60-37-4626718212078
70-43-5231221242426
80-49-5835624282774
90-55-6440127313122
100-61-7044530353470

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share3.01.00.075.0%8.04.00.066.7%13.07.00.065.0%24.08.00.075.0%24.08.00.075.0%
Book Value Change Per Share2.02.00.050.0%8.04.00.066.7%11.09.00.055.0%19.010.03.059.4%19.010.03.059.4%
Dividend per Share0.00.04.00.0%1.00.011.08.3%1.00.019.05.0%1.00.031.03.1%1.00.031.03.1%
Total Gains per Share2.02.00.050.0%8.04.00.066.7%11.09.00.055.0%19.010.03.059.4%19.010.03.059.4%

Fundamentals of Ponce Financial Group Inc

About Ponce Financial Group Inc

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposit products, including demand accounts, NOW/IOLA, money market, reciprocal deposits, savings accounts, and certificates of deposit to individuals, business entities, and non-profit organizations, as well as individual retirement accounts. The company also provides real estate-secured loans, which includes one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans, as well as lines of credit. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

Fundamental data was last updated by Penke on 2024-03-22 00:16:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating efficient.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is expensive.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Ponce Financial Group Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Ponce Financial Group Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 1.4% means that $0.01 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Ponce Financial Group Inc:

  • The MRQ is 1.4%. The company is making a profit. +1
  • The TTM is 3.7%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ1.4%TTM3.7%-2.3%
TTM3.7%YOY-41.7%+45.4%
TTM3.7%5Y-2.0%+5.7%
5Y-2.0%10Y-2.4%+0.4%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ1.4%18.4%-17.0%
TTM3.7%28.0%-24.3%
YOY-41.7%25.2%-66.9%
5Y-2.0%22.8%-24.8%
10Y-2.4%19.8%-22.2%
1.1.2. Return on Assets

Shows how efficient Ponce Financial Group Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • 0.0% Return on Assets means that Ponce Financial Group Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Ponce Financial Group Inc:

  • The MRQ is 0.0%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.0%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.0%TTM0.0%0.0%
TTM0.0%YOY-0.4%+0.4%
TTM0.0%5Y0.0%+0.0%
5Y0.0%10Y0.0%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.0%0.1%-0.1%
TTM0.0%0.2%-0.2%
YOY-0.4%0.2%-0.6%
5Y0.0%0.2%-0.2%
10Y0.0%0.2%-0.2%
1.1.3. Return on Equity

Shows how efficient Ponce Financial Group Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • 0.1% Return on Equity means Ponce Financial Group Inc generated $0.00 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Ponce Financial Group Inc:

  • The MRQ is 0.1%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.2%-0.1%
TTM0.2%YOY-1.7%+1.9%
TTM0.2%5Y0.3%-0.2%
5Y0.3%10Y0.3%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%1.4%-1.3%
TTM0.2%2.5%-2.3%
YOY-1.7%2.7%-4.4%
5Y0.3%2.5%-2.2%
10Y0.3%2.8%-2.5%

1.2. Operating Efficiency of Ponce Financial Group Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Ponce Financial Group Inc is operating .

  • Measures how much profit Ponce Financial Group Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Ponce Financial Group Inc:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM18.1%-18.1%
TTM18.1%YOY-32.3%+50.4%
TTM18.1%5Y17.8%+0.3%
5Y17.8%10Y17.7%+0.1%
1.2.2. Operating Ratio

Measures how efficient Ponce Financial Group Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.16 means that the operating costs are $0.16 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Ponce Financial Group Inc:

  • The MRQ is 0.158. The company is very efficient in keeping operating costs low. +2
  • The TTM is -0.466.
Trends
Current periodCompared to+/- 
MRQ0.158TTM-0.466+0.625
TTM-0.466YOY-0.192-0.274
TTM-0.4665Y-0.499+0.032
5Y-0.49910Y-0.439-0.059

1.3. Liquidity of Ponce Financial Group Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Ponce Financial Group Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.10 means the company has $0.10 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Ponce Financial Group Inc:

  • The MRQ is 0.103. The company is unable to pay all its short-term debts. -2
  • The TTM is 74.604. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ0.103TTM74.604-74.501
TTM74.604YOY39.536+35.067
TTM74.6045Y319.796-245.192
5Y319.79610Y1,184.231-864.436
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM74.6040.124+74.480
YOY39.5360.225+39.311
5Y319.7960.219+319.577
10Y1,184.2310.131+1,184.100
1.3.2. Quick Ratio

Measures if Ponce Financial Group Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • A Quick Ratio of -0.02 means the company can pay off $-0.02 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Ponce Financial Group Inc:

  • The MRQ is -0.019. The company is unable to pay all its short-term debts with the most liquid assets. -2
  • The TTM is 102.785. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ-0.019TTM102.785-102.804
TTM102.785YOY62.878+39.907
TTM102.7855Y394.365-291.580
5Y394.36510Y566.491-172.126

1.4. Solvency of Ponce Financial Group Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Ponce Financial Group Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Ponce Financial Group Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.82 means that Ponce Financial Group Inc assets are financed with 82.3% credit (debt) and the remaining percentage (100% - 82.3%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Ponce Financial Group Inc:

  • The MRQ is 0.823. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.815. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.823TTM0.815+0.008
TTM0.815YOY0.778+0.036
TTM0.8155Y0.840-0.025
5Y0.84010Y0.844-0.004
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8230.915-0.092
TTM0.8150.917-0.102
YOY0.7780.919-0.141
5Y0.8400.919-0.079
10Y0.8440.927-0.083
1.4.2. Debt to Equity Ratio

Measures if Ponce Financial Group Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 464.1% means that company has $4.64 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Ponce Financial Group Inc:

  • The MRQ is 4.641. The company is unable to pay all its debts with equity. -1
  • The TTM is 4.404. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ4.641TTM4.404+0.237
TTM4.404YOY3.567+0.837
TTM4.4045Y5.664-1.260
5Y5.66410Y5.748-0.084
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.64110.829-6.188
TTM4.40411.013-6.609
YOY3.56711.363-7.796
5Y5.66411.437-5.773
10Y5.74813.038-7.290

2. Market Valuation of Ponce Financial Group Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Ponce Financial Group Inc generates.

  • Above 15 is considered overpriced but always compare Ponce Financial Group Inc to the Banks - Regional industry mean.
  • A PE ratio of 112.04 means the investor is paying $112.04 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Ponce Financial Group Inc:

  • The EOD is 102.167. Based on the earnings, the company is expensive. -2
  • The MRQ is 112.040. Based on the earnings, the company is expensive. -2
  • The TTM is -80.734. Based on the earnings, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD102.167MRQ112.040-9.872
MRQ112.040TTM-80.734+192.774
TTM-80.734YOY13.126-93.860
TTM-80.7345Y1.630-82.364
5Y1.63010Y20.182-18.552
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD102.1677.491+94.676
MRQ112.0406.680+105.360
TTM-80.7345.295-86.029
YOY13.1266.943+6.183
5Y1.6309.770-8.140
10Y20.1829.943+10.239
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Ponce Financial Group Inc:

  • The EOD is -15.269. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -16.745. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -4.833. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-15.269MRQ-16.745+1.475
MRQ-16.745TTM-4.833-11.911
TTM-4.833YOY-1.923-2.910
TTM-4.8335Y-4.954+0.121
5Y-4.95410Y54.324-59.278
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-15.269-2.094-13.175
MRQ-16.745-1.868-14.877
TTM-4.833-0.342-4.491
YOY-1.9236.448-8.371
5Y-4.9540.429-5.383
10Y54.3240.091+54.233
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Ponce Financial Group Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.47 means the investor is paying $0.47 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Ponce Financial Group Inc:

  • The EOD is 0.431. Based on the equity, the company is cheap. +2
  • The MRQ is 0.472. Based on the equity, the company is cheap. +2
  • The TTM is 0.413. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.431MRQ0.472-0.042
MRQ0.472TTM0.413+0.059
TTM0.413YOY0.533-0.120
TTM0.4135Y1.271-0.858
5Y1.27110Y1.122+0.149
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.4310.433-0.002
MRQ0.4720.386+0.086
TTM0.4130.470-0.057
YOY0.5330.642-0.109
5Y1.2710.795+0.476
10Y1.1221.025+0.097
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of Ponce Financial Group Inc.

3.1. Institutions holding Ponce Financial Group Inc

Institutions are holding 45.003% of the shares of Ponce Financial Group Inc.

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31T. Rowe Price Investment Management,Inc.10.56550.016251306100
2023-12-31M3F, Inc.8.8746.54112110719-49000-2.2688
2023-12-31BlackRock Inc6.92060.00041646090997826.4529
2023-12-31Vanguard Group Inc4.50640.00021071875162411.5385
2023-12-31Dimensional Fund Advisors, Inc.2.45810.00175846696440512.3793
2023-12-31Bank of America Corp2.14180.00055094493300.0648
2023-12-31Geode Capital Management, LLC1.79060.0004425908114252.7564
2023-12-31AllianceBernstein L.P.1.11550.001265323-65626-19.8296
2023-12-31State Street Corporation1.0910.00012594963590.1385
2023-12-31Maltese Capital Management LLC0.87630.573208436-46564-18.2604
2023-12-31First Pacific Advisors, LP0.76330.026518156200
2023-12-31Mangrove Partners0.73190.11481740921740920
2023-12-31Northern Trust Corp0.6980.0003166029-2102-1.2502
2023-12-31683 Capital Management LLC0.44620.084810613700
2023-12-31Wittenberg Investment Management Inc0.44280.357110531700
2023-12-31Renaissance Technologies Corp0.34850.001382894-3900-4.4934
2023-12-31Bridgeway Capital Management, LLC0.29470.01477010513441.9546
2023-12-31Bank of New York Mellon Corp0.25970.000161779-769-1.2295
2023-12-31Charles Schwab Investment Management Inc0.24270.00015773500
2023-12-31Morgan Stanley - Brokerage Accounts0.22870.00015440837260217.2848
Total 44.79637.734210655084+237277+2.2%

3.2. Funds holding Ponce Financial Group Inc

DateNameTotal SharesTotal AssetsCurrent SharesChange%
2023-12-31T. Rowe Price Small-Cap Value7.40190.16251760577-7300-0.4129
2023-12-31T. Rowe Price U.S. SC Value Eq Tr-Z2.94210.138369978373001.0542
2024-02-29Vanguard Total Stock Mkt Idx Inv2.60840.000462043200
2024-02-29iShares Russell 2000 ETF2.00390.0067476644-78-0.0164
2024-02-29Vanguard Institutional Extnd Mkt Idx Tr1.35680.002832273200
2023-12-31Fidelity Small Cap Index0.75940.006918063512890.7187
2024-02-01iShares Russell 2000 Value ETF0.74250.01411766192240.127
2024-01-31DFA US Targeted Value I0.51120.008512158200
2024-01-31Fidelity Extended Market Index0.5060.00312035200
2024-02-29iShares Core S&P Total US Stock Mkt ETF0.34880.00148295900
2024-01-31DFA US Small Cap I0.31850.00477576200
2024-02-29State St Russell Sm Cap® Indx SL Cl I0.3170.0077540000
2024-02-29Dimensional US Targeted Value ETF0.29980.00667131100
2024-02-29Vanguard Russell 2000 ETF0.29960.00667126656968.6869
2023-09-30BlackRock Extended Mkt Composite0.250.0033594673580.6057
2023-12-31NT R2000 Value Index Fund - NL0.23490.014455864-2583-4.4194
2023-12-31NT R2000 Index Fund - NL0.23320.007555468-2489-4.2946
2023-12-31BlackRock Extended Equity Market K0.21590.003651353-103-0.2002
2023-12-31Bridgeway Ultra-Small Company Market0.21320.26635069900
2024-01-31DFA US Micro Cap I0.20890.00664968400
Total 21.7720.67125178589+2314+0.0%

3.3. Insider Transactions

Insiders are holding 16.135% of the shares of Ponce Financial Group Inc.

DateOwnerTypeAmountPricePost Transaction AmountLink
2023-05-02Carlos P NaudonBUY50006.82

4. Summary

4.1. Key Performance Indicators

The key performance indicators of Ponce Financial Group Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.266-0.014+105%3.189-92%0.677-61%0.646-59%
Book Value Per Share--20.65920.632+0%19.035+9%12.094+71%9.602+115%
Current Ratio--0.10374.604-100%39.536-100%319.796-100%1184.231-100%
Debt To Asset Ratio--0.8230.815+1%0.778+6%0.840-2%0.844-3%
Debt To Equity Ratio--4.6414.404+5%3.567+30%5.664-18%5.748-19%
Dividend Per Share----0%-0%0.099-100%0.062-100%
Eps--0.0220.035-38%-0.315+1548%-0.005+124%0.006+266%
Free Cash Flow Per Share---0.146-0.308+111%0.098-249%-0.060-59%-0.016-89%
Free Cash Flow To Equity Per Share--4.7234.015+18%7.116-34%3.348+41%2.639+79%
Gross Profit Margin--1.0001.750-43%0.996+0%1.159-14%1.070-7%
Intrinsic Value_10Y_max--51.652--------
Intrinsic Value_10Y_min--42.861--------
Intrinsic Value_1Y_max--0.733--------
Intrinsic Value_1Y_min--0.718--------
Intrinsic Value_3Y_max--5.589--------
Intrinsic Value_3Y_min--5.267--------
Intrinsic Value_5Y_max--14.526--------
Intrinsic Value_5Y_min--13.192--------
Market Cap211690950.000-10%232146480.000202890315.000+14%226556887.500+2%264801949.733-12%220043897.292+6%
Net Profit Margin--0.0140.037-61%-0.417+2993%-0.020+238%-0.024+264%
Operating Margin---0.181-100%-0.3230%0.178-100%0.177-100%
Operating Ratio--0.158-0.466+395%-0.192+222%-0.499+415%-0.439+378%
Pb Ratio0.431-10%0.4720.413+14%0.533-11%1.271-63%1.122-58%
Pe Ratio102.167-10%112.040-80.734+172%13.126+754%1.630+6773%20.182+455%
Price Per Share8.900-10%9.7608.530+14%9.525+2%11.133-12%9.251+6%
Price To Free Cash Flow Ratio-15.269+9%-16.745-4.833-71%-1.923-89%-4.954-70%54.324-131%
Price To Total Gains Ratio33.406-10%36.6335.261+596%-9.262+125%10.601+246%46.155-21%
Quick Ratio---0.019102.785-100%62.878-100%394.365-100%566.491-100%
Return On Assets--0.0000.000-41%-0.004+2068%0.000+807%0.000+102%
Return On Equity--0.0010.002-39%-0.017+1746%0.003-70%0.003-61%
Total Gains Per Share--0.266-0.014+105%3.189-92%0.777-66%0.708-62%
Usd Book Value--491395000.000490744000.000+0%452761000.000+9%287666900.000+71%228394875.000+115%
Usd Book Value Change Per Share--0.266-0.014+105%3.189-92%0.677-61%0.646-59%
Usd Book Value Per Share--20.65920.632+0%19.035+9%12.094+71%9.602+115%
Usd Dividend Per Share----0%-0%0.099-100%0.062-100%
Usd Eps--0.0220.035-38%-0.315+1548%-0.005+124%0.006+266%
Usd Free Cash Flow---3466000.000-7320750.000+111%2326750.000-249%-1428250.000-59%-364406.250-89%
Usd Free Cash Flow Per Share---0.146-0.308+111%0.098-249%-0.060-59%-0.016-89%
Usd Free Cash Flow To Equity Per Share--4.7234.015+18%7.116-34%3.348+41%2.639+79%
Usd Market Cap211690950.000-10%232146480.000202890315.000+14%226556887.500+2%264801949.733-12%220043897.292+6%
Usd Price Per Share8.900-10%9.7608.530+14%9.525+2%11.133-12%9.251+6%
Usd Profit--518000.000838000.000-38%-7500250.000+1548%-125300.000+124%-130437.500+125%
Usd Revenue--35949000.00022957500.000+57%17742750.000+103%16079050.000+124%13961343.750+157%
Usd Total Gains Per Share--0.266-0.014+105%3.189-92%0.777-66%0.708-62%
 EOD+3 -5MRQTTM+18 -16YOY+17 -165Y+17 -1910Y+18 -18

4.2. Fundamental Score

Let's check the fundamental score of Ponce Financial Group Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-15102.167
Price to Book Ratio (EOD)Between0-10.431
Net Profit Margin (MRQ)Greater than00.014
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than1-0.019
Current Ratio (MRQ)Greater than10.103
Debt to Asset Ratio (MRQ)Less than10.823
Debt to Equity Ratio (MRQ)Less than14.641
Return on Equity (MRQ)Greater than0.150.001
Return on Assets (MRQ)Greater than0.050.000
Total3/10 (30.0%)

4.3. Technical Score

Let's check the technical score of Ponce Financial Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.752
Ma 20Greater thanMa 508.842
Ma 50Greater thanMa 1008.946
Ma 100Greater thanMa 2009.042
OpenGreater thanClose8.890
Total2/5 (40.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2022-12-312023-03-312023-06-302023-09-302023-12-31
Other Current Liabilities  -1,390-377-1,767-2,937-4,704-3,681-8,3851,165,6151,157,230
Cash And Cash Equivalents  55,854130,078185,93258,853244,785-126,777118,008-146,938-28,930
Long-term Assets Other  -691,19420,863-670,33115,368-654,96318,582-636,381661,10424,723
Cash and Short Term Investments  185,359128,893314,25254,253368,505-133,744234,761-263,691-28,930
Net Working Capital  199,018128,902327,92051,935379,855-136,855243,000-1,609,968-1,366,968
Total Other Income Expense Net -5,872-4,497-10,369-17,669-28,0382,014-26,02426,984960



Latest Balance Sheet

Balance Sheet of 2023-12-31. All numbers in thousands.

Summary
Total Assets2,771,907
Total Liabilities2,280,512
Total Stockholder Equity491,395
 As reported
Total Liabilities 2,280,512
Total Stockholder Equity+ 491,395
Total Assets = 2,771,907

Assets

Total Assets2,771,907
Total Current Assets157,449
Long-term Assets2,614,458
Total Current Assets
Cash And Cash Equivalents -28,930
Other Current Assets 157,449
Total Current Assets  (as reported)157,449
Total Current Assets  (calculated)128,519
+/- 28,930
Long-term Assets
Property Plant Equipment 47,325
Long-term Assets Other 24,723
Long-term Assets  (as reported)2,614,458
Long-term Assets  (calculated)72,048
+/- 2,542,410

Liabilities & Shareholders' Equity

Total Current Liabilities1,524,417
Long-term Liabilities756,095
Total Stockholder Equity491,395
Total Current Liabilities
Short-term Debt 367,187
Other Current Liabilities 1,157,230
Total Current Liabilities  (as reported)1,524,417
Total Current Liabilities  (calculated)1,524,417
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)756,095
Long-term Liabilities  (calculated)0
+/- 756,095
Total Stockholder Equity
Common Stock249
Retained Earnings 97,420
Other Stockholders Equity 184,375
Total Stockholder Equity (as reported)491,395
Total Stockholder Equity (calculated)282,044
+/- 209,351
Other
Cash and Short Term Investments -28,930
Common Stock Shares Outstanding 22,406
Liabilities and Stockholders Equity 2,771,907
Net Debt 746,035
Net Working Capital -1,366,968
Short Long Term Debt Total 717,105



Balance Sheet

All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-03-312015-12-31
> Total Assets 
703,157
0
0
744,983
786,253
812,996
892,263
925,522
925,522
968,813
982,711
1,059,901
1,033,596
1,056,116
1,099,988
1,053,756
1,150,943
1,220,231
1,277,351
1,355,231
1,433,707
1,547,650
1,560,552
1,653,510
1,594,597
2,042,283
2,158,281
2,311,989
2,539,534
2,671,957
2,623,863
2,771,907
2,771,9072,623,8632,671,9572,539,5342,311,9892,158,2812,042,2831,594,5971,653,5101,560,5521,547,6501,433,7071,355,2311,277,3511,220,2311,150,9431,053,7561,099,9881,056,1161,033,5961,059,901982,711968,813925,522925,522892,263812,996786,253744,98300703,157
   > Total Current Assets 
18,741
0
0
666,262
708,626
43,369
88,789
59,724
91,956
80,676
50,175
100,717
67,468
78,937
103,249
53,163
127,298
98,108
103,338
103,711
136,337
130,501
183,246
1,517,378
239,383
1,973,687
211,051
200,408
329,687
384,559
251,385
157,449
157,449251,385384,559329,687200,408211,0511,973,687239,3831,517,378183,246130,501136,337103,711103,33898,108127,29853,163103,24978,93767,468100,71750,17580,67691,95659,72488,78943,369708,626666,2620018,741
       Cash And Cash Equivalents 
10,631
0
0
11,716
16,504
10,784
56,345
59,724
59,724
49,182
22,389
69,778
41,567
53,010
47,390
27,677
103,960
76,631
76,092
74,817
92,861
68,831
65,528
156,384
71,785
277,296
65,011
55,854
185,932
244,785
118,008
-28,930
-28,930118,008244,785185,93255,85465,011277,29671,785156,38465,52868,83192,86174,81776,09276,631103,96027,67747,39053,01041,56769,77822,38949,18259,72459,72456,34510,78416,50411,7160010,631
       Short-term Investments 
7,259
0
0
52,690
51,937
29,668
29,312
28,897
28,897
28,144
24,177
27,144
22,166
22,154
51,966
21,504
19,140
13,800
14,512
17,498
30,929
48,536
104,358
113,346
154,799
140,044
131,977
129,505
128,320
123,720
116,753
0
0116,753123,720128,320129,505131,977140,044154,799113,346104,35848,53630,92917,49814,51213,80019,14021,50451,96622,15422,16627,14424,17728,14428,89728,89729,31229,66851,93752,690007,259
       Net Receivables 
0
0
0
2,707
2,749
2,917
3,132
3,335
3,335
3,350
3,609
3,795
3,735
3,773
3,893
3,982
4,198
7,677
9,995
11,396
12,547
13,134
13,360
12,362
12,799
13,255
14,063
15,049
15,435
16,054
16,624
0
016,62416,05415,43515,04914,06313,25512,79912,36213,36013,13412,54711,3969,9957,6774,1983,9823,8933,7733,7353,7953,6093,3503,3353,3353,1322,9172,7492,707000
       Inventory 
3,379
0
0
2,143
2,143
2,143
0
0
0
0
0
0
0
58
0
0
0
0
0
0
0
0
0
0
0
0
-79,074
-70,903
-201,367
-260,839
-134,632
0
0-134,632-260,839-201,367-70,903-79,0740000000000005800000002,1432,1432,143003,379
   > Long-term Assets 
0
0
0
78,721
77,627
3,378
55,041
3,909
56,069
56,510
53,470
58,279
53,943
54,359
84,771
54,250
51,620
45,902
49,364
51,286
66,286
84,313
139,876
3,820
175,005
28,603
644,033
691,194
670,331
654,963
636,381
2,614,458
2,614,458636,381654,963670,331691,194644,03328,603175,0053,820139,87684,31366,28651,28649,36445,90251,62054,25084,77154,35953,94358,27953,47056,51056,0693,90955,0413,37877,62778,721000
       Property Plant Equipment 
27,177
0
0
26,028
25,687
25,599
25,729
27,172
27,172
28,366
29,293
31,135
31,777
32,205
32,805
32,746
32,480
32,102
32,113
32,045
33,625
34,057
34,081
19,617
19,279
18,945
17,759
50,869
50,362
49,291
48,563
47,325
47,32548,56349,29150,36250,86917,75918,94519,27919,61734,08134,05733,62532,04532,11332,10232,48032,74632,80532,20531,77731,13529,29328,36627,17227,17225,72925,59925,68726,0280027,177
       Long Term Investments 
83,196
0
0
53,154
53,526
734,663
767,721
798,703
823,014
850,426
893,884
30,059
22,166
22,154
51,966
21,504
19,140
13,800
14,512
19,241
32,661
50,256
105,795
114,280
155,726
351,561
626,274
640,325
619,969
605,672
587,818
0
0587,818605,672619,969640,325626,274351,561155,726114,280105,79550,25632,66119,24114,51213,80019,14021,50451,96622,15422,16630,059893,884850,426823,014798,703767,721734,66353,52653,1540083,196
       Intangible Assets 
132
0
0
3
3
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000000000003300132
       Earning Assets 
0
0
0
0
0
0
0
0
82,504
72,855
43,693
54,612
60,958
73,770
101,590
49,184
118,854
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000118,85449,184101,59073,77060,95854,61243,69372,85582,50400000000
       Long-term Assets Other 
0
0
0
-78,721
-77,627
5,987
-55,041
2,271
-56,069
-56,510
-53,470
-58,279
-53,943
-54,359
-84,771
-54,250
-51,620
-45,902
-49,364
-51,286
-66,286
-84,313
-139,876
-133,897
-175,005
-351,561
-13,822
-691,194
-670,331
-654,963
-636,381
24,723
24,723-636,381-654,963-670,331-691,194-13,822-351,561-175,005-133,897-139,876-84,313-66,286-51,286-49,364-45,902-51,620-54,250-84,771-54,359-53,943-58,279-53,470-56,510-56,0692,271-55,0415,987-77,627-78,721000
> Total Liabilities 
612,095
0
0
651,991
692,779
718,322
723,755
760,737
760,737
802,235
815,567
890,729
863,334
890,913
939,434
895,354
995,200
1,065,232
1,118,977
1,195,687
1,272,503
1,375,760
1,386,665
1,464,254
1,295,018
1,524,201
1,657,598
1,819,289
2,043,493
2,181,475
2,138,805
2,280,512
2,280,5122,138,8052,181,4752,043,4931,819,2891,657,5981,524,2011,295,0181,464,2541,386,6651,375,7601,272,5031,195,6871,118,9771,065,232995,200895,354939,434890,913863,334890,729815,567802,235760,737760,737723,755718,322692,779651,99100612,095
   > Total Current Liabilities 
607,542
0
0
3,028
26
702,437
32
714,027
20,042
141
75
25,063
75
88
35,081
97
86
48
9,123
41,021
11,730
13,139
11,499
93,198
65,976
306,158
54,229
1,390
1,767
4,704
8,385
1,524,417
1,524,4178,3854,7041,7671,39054,229306,15865,97693,19811,49913,13911,73041,0219,12348869735,081887525,0637514120,042714,02732702,437263,02800607,542
       Short-term Debt 
8,000
0
0
3,000
28,000
8,000
15,000
20,000
20,000
37,775
0
25,000
25,000
0
35,000
8,029
0
0
9,065
29,961
11,664
13,084
11,261
92,970
65,753
306,000
53,375
188,160
24,775
7,000
961
367,187
367,1879617,00024,775188,16053,375306,00065,75392,97011,26113,08411,66429,9619,065008,02935,000025,00025,000037,77520,00020,00015,0008,00028,0003,000008,000
       Short Long Term Debt 
8,000
0
0
3,000
28,000
8,000
15,000
36,400
20,000
37,775
0
0
0
0
35,000
8,029
0
0
9,065
29,961
11,664
13,084
11,261
92,970
65,753
306,000
53,375
0
24,775
7,000
0
0
007,00024,775053,375306,00065,75392,97011,26113,08411,66429,9619,065008,02935,000000037,77520,00036,40015,0008,00028,0003,000008,000
       Accounts payable 
599,506
0
0
28
26
31
32
42
42
141
75
63
75
88
81
97
86
48
58
60
66
55
238
228
223
158
854
1,390
1,767
4,704
8,385
0
08,3854,7041,7671,39085415822322823855666058488697818875637514142423231262800599,506
       Other Current Liabilities 
0
0
0
0
-26
702,406
-32
713,985
-61
-141
-75
0
-75
-88
757,845
-97
-86
-48
0
11,000
0
0
0
-93,198
0
0
-54,229
-1,390
-1,767
-4,704
-8,385
1,157,230
1,157,230-8,385-4,704-1,767-1,390-54,22900-93,19800011,0000-48-86-97757,845-88-750-75-141-61713,985-32702,406-260000
   > Long-term Liabilities 
0
0
0
3,000
28,000
15,885
15,000
46,710
16,400
37,775
37,775
44,404
44,404
79,404
134,404
104,404
152,284
117,284
118,740
107,738
109,931
109,998
107,391
15,090
28,375
28,375
54,229
1,390
1,767
715,816
708,559
756,095
756,095708,559715,8161,7671,39054,22928,37528,37515,090107,391109,998109,931107,738118,740117,284152,284104,404134,40479,40444,40444,40437,77537,77516,40046,71015,00015,88528,0003,000000
       Capital Lease Obligations 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34,532
34,308
33,716
33,459
0
033,45933,71634,30834,532000000000000000000000000000
       Long-term Liabilities Other 
0
0
0
0
0
15,885
25,068
46,710
31,581
48,839
50,700
0
56,478
88,417
181,508
0
165,373
128,965
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000128,965165,3730181,50888,41756,478050,70048,83931,58146,71025,06815,88500000
> Total Stockholder Equity
91,062
0
0
92,992
93,474
94,674
168,508
164,785
164,785
166,578
167,144
169,172
170,262
165,203
160,554
158,402
155,743
154,999
158,374
159,544
161,204
171,890
173,887
189,256
299,579
518,082
500,683
492,700
496,041
490,482
485,058
491,395
491,395485,058490,482496,041492,700500,683518,082299,579189,256173,887171,890161,204159,544158,374154,999155,743158,402160,554165,203170,262169,172167,144166,578164,785164,785168,50894,67493,47492,9920091,062
   Retained Earnings 
91,062
0
0
99,242
99,805
100,929
97,719
94,855
94,855
96,495
96,896
98,813
99,481
100,431
101,140
93,688
92,475
91,904
95,913
97,541
99,993
105,925
107,977
122,956
116,136
116,907
102,169
92,955
94,399
94,312
96,902
97,420
97,42096,90294,31294,39992,955102,169116,907116,136122,956107,977105,92599,99397,54195,91391,90492,47593,688101,140100,43199,48198,81396,89696,49594,85594,85597,719100,92999,80599,2420091,062
   Accumulated Other Comprehensive Income 
0
0
0
-6,250
-227
-6,755
-6,257
-8,000
-7,851
-8,076
-8,101
-8,135
-8,035
-7,941
-7,947
20
110
150
168
135
28
-41
-621
-1,456
-7,035
-15,032
-18,420
-17,860
-16,629
-17,597
-20,468
-15,649
-15,649-20,468-17,597-16,629-17,860-18,420-15,032-7,035-1,456-621-412813516815011020-7,947-7,941-8,035-8,135-8,101-8,076-7,851-8,000-6,257-6,755-227-6,250000
   Capital Surplus 
0
0
0
0
0
0
84,099
84,351
84,419
84,488
84,557
84,581
84,976
85,357
85,749
84,777
85,132
85,481
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000085,48185,13284,77785,74985,35784,97684,58184,55784,48884,41984,35184,099000000
   Treasury Stock000000000000000-16,490-14,478-12,663-6,798-193000000000000



Balance Sheet

All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue133,415
Cost of Revenue-4,785
Gross Profit128,630128,630
 
Operating Income (+$)
Gross Profit128,630
Operating Expense-24,838
Operating Income110,849103,792
 
Operating Expense (+$)
Research Development0
Selling General Administrative7,092
Selling And Marketing Expenses825
Operating Expense24,8387,917
 
Net Interest Income (+$)
Interest Income115,850
Interest Expense-25,460
Other Finance Cost-26,155
Net Interest Income64,235
 
Pretax Income (+$)
Operating Income110,849
Net Interest Income64,235
Other Non-Operating Income Expenses0
Income Before Tax (EBT)5,853104,996
EBIT - interestExpense = 83,179
5,853
28,812
Interest Expense25,460
Earnings Before Interest and Taxes (EBIT)108,63931,313
Earnings Before Interest and Taxes (EBITDA)113,165
 
After tax Income (+$)
Income Before Tax5,853
Tax Provision--530
Net Income From Continuing Ops-6,3806,383
Net Income3,352
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses131,718
Total Other Income/Expenses Net5,853-64,235
 

Technical Analysis of Ponce Financial Group Inc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Ponce Financial Group Inc. The general trend of Ponce Financial Group Inc is BULLISH with 28.6% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Ponce Financial Group Inc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (28.6%) Bearish trend (-28.6%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Ponce Financial Group Inc.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 8.96 < 9.085 < 9.2678.

The bearish price targets are: 8.62 > 8.49 > 8.21.

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Ponce Financial Group Inc Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Ponce Financial Group Inc. The current mas is .

The long score for the Moving Averages is 9/14.
The longshort score for the Moving Averages is 4/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Ponce Financial Group Inc Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Ponce Financial Group Inc. The current macd is -0.03604774.

The long score for the Moving Average Convergence/Divergence (MACD) is 3/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 2/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Ponce Financial Group Inc price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Ponce Financial Group Inc. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Ponce Financial Group Inc price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Ponce Financial Group Inc Daily Moving Average Convergence/Divergence (MACD) ChartPonce Financial Group Inc Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Ponce Financial Group Inc. The current adx is 21.77.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Ponce Financial Group Inc shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Ponce Financial Group Inc Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Ponce Financial Group Inc. The current sar is 9.1962.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Ponce Financial Group Inc Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Ponce Financial Group Inc. The current rsi is 51.75. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Ponce Financial Group Inc Daily Relative Strength Index (RSI) ChartPonce Financial Group Inc Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Ponce Financial Group Inc. The current phase is Continuation in bull market.

The long score for the Stochastic Oscillator is 4/6.
The longshort score for the Stochastic Oscillator is 4/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Ponce Financial Group Inc price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Ponce Financial Group Inc Daily Stochastic Oscillator ChartPonce Financial Group Inc Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Ponce Financial Group Inc. The current cci is 67.18.

Ponce Financial Group Inc Daily Commodity Channel Index (CCI) ChartPonce Financial Group Inc Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Ponce Financial Group Inc. The current cmo is 9.8193737.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Ponce Financial Group Inc Daily Chande Momentum Oscillator (CMO) ChartPonce Financial Group Inc Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Ponce Financial Group Inc. The current willr is -20.83333333.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Ponce Financial Group Inc is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Ponce Financial Group Inc Daily Williams %R ChartPonce Financial Group Inc Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Ponce Financial Group Inc.

Ponce Financial Group Inc Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Ponce Financial Group Inc. The current atr is 0.21216882.

Ponce Financial Group Inc Daily Average True Range (ATR) ChartPonce Financial Group Inc Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Ponce Financial Group Inc. The current obv is -769,076.

Ponce Financial Group Inc Daily On-Balance Volume (OBV) ChartPonce Financial Group Inc Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Ponce Financial Group Inc. The current mfi is 71.05.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Ponce Financial Group Inc Daily Money Flow Index (MFI) ChartPonce Financial Group Inc Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Ponce Financial Group Inc.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-08CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-10STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-11-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-17STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-21STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-11-27STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-08CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-11RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-13STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-15BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2023-12-18SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-27STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-28MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-01-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-03CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-05BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-01-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-11STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-16MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-17STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-19SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-22DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-24CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-29WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-31STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-01STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-05SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-06MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-08CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-09STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-12STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-15SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-16STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-20CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-23STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-14STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-18WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-19MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-22STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2024-03-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-28MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.

6.3. Candlestick Patterns

Ponce Financial Group Inc Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Ponce Financial Group Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5051.752
Ma 20Greater thanMa 508.842
Ma 50Greater thanMa 1008.946
Ma 100Greater thanMa 2009.042
OpenGreater thanClose8.890
Total2/5 (40.0%)
Penke

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