PDLB Financial Services

Ponce Financial Group, Inc.

$21.88-2.50%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 529.2M USD
Full-time employees: 229

Overall health

Drawback: less profitable than most peersless profitable than peers
About average: valuation

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 73% of peers on book value, but only 31% on earnings.
Relative to its book value, Ponce Financial looks cheaper than 73% of peers; relative to its earnings, cheaper than only 31%. The valuation score blends the two, so look at which measure fits this business best.
Fast revenue growth. Revenue grew 34% in the 12 months to June 2026 vs the 12 months before, faster than 89% of peers.
Revenue grew 34% in the 12 months to June 2026 vs the 12 months before, faster than 89% of its peers.

StockQuotient Score

54/ 100

Oct 5 58 → Nov 4 54 (-4)

Valuation

Is the price right?

48/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 49 → 48

Share price +0.5%-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield106.0%

SEC filings · latest balance sheetReported value40% base weight · Z-score 0.93Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.2%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.68Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.9%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

91/100

Strong

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth92.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 4.33Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth15.1%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth33.5%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

23/100

Weak

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Weaker than most peers on:

▼ ROE
▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.9%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.38Sector median: 0.0117 · MAD: 0.0062

Return on equity5.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -1.27Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Ponce Financial

Is Ponce Financial getting weaker?: Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is unchanged at 54/100 since Oct 28, 2026.
How is Ponce Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 48/100 against 950 banks & insurance peers. Book yield 106.0% vs a peer median of 79.5% (stronger than 73% of peers).Book yield 106.0% vs peers 79.5% (stronger than 73% of peers). Earnings yield 6.2% vs a peer median of 7.9% (weaker than 69% of peers).Earnings yield 6.2% vs peers 7.9% (weaker than 69% of peers).
Is Ponce Financial growing?: Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 92.9% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 92.9% vs peers 16.0% (stronger than 91% of peers).
How profitable is Ponce Financial?: Less profitable than most of its peers. Profitability scores 23/100 against 950 banks & insurance peers. Return on equity 5.8% vs a peer median of 10.7% (weaker than 81% of peers).Return on equity 5.8% vs peers 10.7% (weaker than 81% of peers).
How risky is Ponce Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Net income (12 months)	30.2M USD	32.6M USD	+7.9%
Free cash flow (12 months)	55.5M USD	57.6M USD	+3.8%
Debt	571.1M USD	621.1M USD	+8.8%
Cash	117.2M USD	140.0M USD	+19.4%
Shares outstanding	24.2M	24.2M	0.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Return on assets (ROA)	1.5%	-1.3%	0.1%	0.4%	0.9%	▲ 0.5 pts
Return on equity (ROE)	13.4%	-6.1%	0.7%	2.2%	5.3%	▲ 3.1 pts
Debt to equity	—	1.05×	1.39×	1.18×	1.10×	▼ 6.7%

PDLB price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

About average: valuation

Ranks #345 of 791 banks & insurance companies (top 44%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 73% of peers on book value, but only 31% on earnings.

Relative to its book value, Ponce Financial looks cheaper than 73% of peers; relative to its earnings, cheaper than only 31%. The valuation score blends the two, so look at which measure fits this business best.

Fast revenue growth. Revenue grew 34% in the 12 months to June 2026 vs the 12 months before, faster than 89% of peers.

Revenue grew 34% in the 12 months to June 2026 vs the 12 months before, faster than 89% of its peers.

Questions investors ask about Ponce Financial

Is Ponce Financial getting weaker?

Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is unchanged at 54/100 since Oct 28, 2026.

How is Ponce Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 48/100 against 950 banks & insurance peers. Book yield 106.0% vs a peer median of 79.5% (stronger than 73% of peers).Book yield 106.0% vs peers 79.5% (stronger than 73% of peers). Earnings yield 6.2% vs a peer median of 7.9% (weaker than 69% of peers).Earnings yield 6.2% vs peers 7.9% (weaker than 69% of peers).

Is Ponce Financial growing?

Yes, faster than most of its peers. Growth scores 91/100 against 950 banks & insurance peers. Earnings per share growth 92.9% vs a peer median of 16.0% (stronger than 91% of peers).Earnings per share growth 92.9% vs peers 16.0% (stronger than 91% of peers).

How profitable is Ponce Financial?

Less profitable than most of its peers. Profitability scores 23/100 against 950 banks & insurance peers. Return on equity 5.8% vs a peer median of 10.7% (weaker than 81% of peers).Return on equity 5.8% vs peers 10.7% (weaker than 81% of peers).

How risky is Ponce Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Net income (12 months)

30.2M USD

32.6M USD

+7.9%

Free cash flow (12 months)

55.5M USD

57.6M USD

+3.8%

Debt

571.1M USD

621.1M USD

+8.8%

Cash

117.2M USD

140.0M USD

+19.4%

Shares outstanding

24.2M

24.2M

0.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Return on assets (ROA)

1.5%

-1.3%

0.1%

0.4%

0.9%

▲ 0.5 pts

Return on equity (ROE)

13.4%

-6.1%

0.7%

2.2%

5.3%

▲ 3.1 pts

Debt to equity

—

1.05×

1.39×

1.18×

1.10×

▼ 6.7%