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Company Analysis

Ponce Financial Group, Inc. PDLB

A comprehensive view of key metrics, scores, and financial health for Ponce Financial Group, Inc.

Overview of Ponce Financial Group, Inc.

PDLB NGM
Financial Services Banks - Regional Small Cap
Ponce Financial Group, Inc. (PDLB), is a Small Cap company, in the Banks - Regional industry, last closed at $16.30, about 16.7% overvalued vs fair value, +27.3% 1Y return, ranked 779/1004 in sector.
$16.30
-0.18%
As of March 13, 2026
Previous close • Vol 90d: 26.6%
52-Week Range
Market Cap
$393.10M
Enterprise Value
$1.02B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.poncebank.com
HQ Bronx, NY
Employees 216
Fiscal year Dec 31

Next Events

Earnings Apr 24 Estimated

Fair Value Snapshot

Bear Base Bull
$8
$14
$25
Current: $16.30 -17% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$162.6M
29.2%%
Interest Expense
$85.7M
Net Interest Income
$76.5M
17.2%%
Total Revenue
$194.3M
139.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
3.7%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$588.0K
5.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
1
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Ponce Financial Group, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
31
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Weak
16
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing PDLB's balance between Growth (69.8%), Profitability (18.5%), and Safety (11.7%). Growth 70% Safety 12% Profitability 19%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

83th percentile vs peers
84
Key Signals
Rev Growth YoY 1.39 92p Revenue CAGR 3Y 39.9% 92p Asset Growth YoY 6.0% 63p
Strengths
  • Growth performance in top 20% of peers (percentile: 83)
  • Rev Growth Yoy in top 20% of peers (1.39, 92th percentile)
  • Revenue Cagr 3Y in top 20% of peers (39.9%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

22th percentile vs peers
22
Key Signals
Strengths
Risks
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Safety

13th percentile vs peers
14
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Ponce Financial Group, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$13.57
- - -
-16.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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