GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Ponce Financial Group Inc (NAS:PDLB) » Definitions » Free Cash Flow per Share

Ponce Financial Group (Ponce Financial Group) Free Cash Flow per Share : $0.00 (TTM As of Mar. 2024)


View and export this data going back to 2017. Start your Free Trial

What is Ponce Financial Group Free Cash Flow per Share?

Ponce Financial Group's Free Cash Flow per Share for the three months ended in Mar. 2024 was $-0.01. Its Free Cash Flow per Share for the trailing twelve months (TTM) ended in Mar. 2024 was $0.00.

During the past 12 months, the average Free Cash Flow per Share Growth Rate of Ponce Financial Group was -99.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the FCF Growth Rate using Free Cash Flow per Share data.

The historical rank and industry rank for Ponce Financial Group's Free Cash Flow per Share or its related term are showing as below:

During the past 9 years, Ponce Financial Group's highest 3-Year average Free Cash Flow per Share Growth Rate was 93.10% per year. The lowest was -46.30% per year. And the median was 18.90% per year.

PDLB's 3-Year FCF Growth Rate is not ranked *
in the Banks industry.
Industry Median: 7.5
* Ranked among companies with meaningful 3-Year FCF Growth Rate only.

Ponce Financial Group Free Cash Flow per Share Historical Data

The historical data trend for Ponce Financial Group's Free Cash Flow per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Ponce Financial Group Free Cash Flow per Share Chart

Ponce Financial Group Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Free Cash Flow per Share
Get a 7-Day Free Trial Premium Member Only 0.07 -1.76 0.86 0.41 0.27

Ponce Financial Group Quarterly Data
Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24
Free Cash Flow per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.25 -0.26 -1.15 1.42 -0.01

Competitive Comparison of Ponce Financial Group's Free Cash Flow per Share

For the Banks - Regional subindustry, Ponce Financial Group's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Ponce Financial Group's Price-to-Free-Cash-Flow Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Ponce Financial Group's Price-to-Free-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Ponce Financial Group's Price-to-Free-Cash-Flow falls into.



Ponce Financial Group Free Cash Flow per Share Calculation

Free Cashflow per Share is the amount of Free Cashflow per outstanding share of the company's stock.

Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company.

Note: GuruFocus does not calculate Free Cash Flow Per Share when Capital Expenditure is 0.

Ponce Financial Group's Free Cash Flow Per Share for the fiscal year that ended in Dec. 2023 is calculated as

Free Cash Flow Per Share(A: Dec. 2023 )
=(Cash Flow from Operations+Capital Expenditure)/Shares Outstanding (Diluted Average)
=(6.493+-0.411)/22.822
=6.082/22.822
=0.27

Ponce Financial Group's Free Cash Flow Per Share for the quarter that ended in Mar. 2024 is calculated as

Free Cash Flow Per Share(Q: Mar. 2024 )
=(Cash Flow from Operations+Capital Expenditure)/Shares Outstanding (Diluted Average)
=(1.461+-1.776)/22.367
=-0.315/22.367
=-0.01

Free Cash Flow per Share for the trailing twelve months (TTM) ended in Mar. 2024 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.00

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Ponce Financial Group  (NAS:PDLB) Free Cash Flow per Share Explanation

Free Cash Flow is very close to Warren Buffett's definition of Owner's Earnings, except that in Warren Buffett's Owner's Earnings, the spending for Property, Plant, and Equipment is only for maintenance (replacement), while in the Free Cash Flow calculation, the cost of new Property, Plant, and Equipment due to business expansion is also deducted. There, Free Cash Flow is more conservative than Owner's Earnings.

In Don Yacktman's calculation of forward rate of return, he uses Free Cash Flow for the calculation. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation.

This is what Yacktman said in his March 2012 interview - when the S&P 500 was at 1400:

If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.

The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).

For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of EBITDA per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over seven years. The reason we use seven years is because research shows that seven years is the length of the typical business cycle.

Therefore, as of Dec23, Ponce Financial Group's Forward Rate of Return (Yacktman) % is

Forward Rate of Return (Yacktman) % (Dec23)=Normalized Free Cash Flow/Price+5-Year EBITDA Growth Rate
=0/8.9+0
=0.00 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Be Aware

Free Cash Flow within a report period can be affected by management's decisions of capital spending. Therefore, it is important to look at long term when it comes to Free Cash Flow.


Ponce Financial Group Free Cash Flow per Share Related Terms

Thank you for viewing the detailed overview of Ponce Financial Group's Free Cash Flow per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Ponce Financial Group (Ponce Financial Group) Business Description

Traded in Other Exchanges
N/A
Address
2244 Westchester Avenue, Bronx, NY, USA, 10462
Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, which consists of securities issued by the U.S. Government and federal agencies and mortgage-backed securities issued by the United States government-sponsored enterprises. Some of the products and services include checking solutions, online and mobile banking, merchant credit card services, and others.
Executives
Carlos P Naudon director, officer: President & CEO 70 WEST 36TH STREET, SUITE 604, NEW YORK NY 10018
Steven Tsavaris director, officer: Executive Chairman C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Gonzalez Luis Gerardo Jr. officer: Chief Operating Officer C/O PONCE FINANCIAL GROUP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
David Rodriguez officer: Chief Relationship Officer C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX MA 10462
Maria Alvarez director C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Sergio Javier Vaccaro officer: Chief Financial Officer C/O PONCE BANK, 2244 WESTCHESTER AVE., BRONX NY 10462
Nick R. Lugo director C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
James Perez director C/O PONCE FINANCIAL GROUP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Elizabeth Macias officer: Chief Information Officer C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVE., BRONX NY 10462
William Feldman director C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Julio Gurman director C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
James C. Demetriou director C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Ioannis Kouzilos officer: Chief Lending Officer C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Madeline V. Marquez officer: Chief External Affairs Officer C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462
Frank Perez officer: Chief Financial Officer C/O PDL COMMUNITY BANCORP, 2244 WESTCHESTER AVENUE, BRONX NY 10462