Ponce Financial Group, Inc. PDLB

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
40/100
Developing

Ranked against 399 peers in Banks - Regional

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 deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also provides real estate-secured loans, including one-to-four family investor-owned and owner-occupied … Full PDLB analysis →

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.12).
  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.39).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Developing
27
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where PDLB ranks in Banks - Regional

Ponce Financial Group, Inc. ranks #268 of 393 scored companies in Banks - Regional by moat score — the top 68%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
264 Deutsche Bank AG DB 41/100 Developing
265 Citizens Financial Group, Inc. CFG 40/100 Developing
266 Horizon Bancorp, Inc. HBNC 40/100 Developing
267 MVB Financial Corp. MVBF 40/100 Developing
268 Ponce Financial Group, Inc. PDLB 40/100 Developing
269 FB Bancorp, Inc. FBLA 40/100 Developing
270 Origin Bancorp, Inc. OBK 40/100 Developing
271 Heartland Financial USA, Inc. HTLF 40/100 Developing
272 OptimumBank Holdings, Inc. OPHC 39/100 Developing

See every Banks & Lenders company ranked by moat score →

How PDLB scores on the Bank Specialized defenses

Deposit Franchise

Score 27 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 48 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 14 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 71 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 63 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 24 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding PDLB's moat

What is Ponce Financial Group, Inc.'s moat score?

Ponce Financial Group, Inc. (PDLB) scores 40 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #268 of 393 scored companies in Banks - Regional, the top 68%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Cost Discipline (71/100) and its weakest is Capital Strength (14/100).

How does Ponce Financial Group, Inc. compare with other Banks - Regional companies?

Ponce Financial Group, Inc. ranks #268 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are MVB Financial Corp. (MVBF) at 40 just above it and FB Bancorp, Inc. (FBLA) at 40 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is Ponce Financial Group, Inc. scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for Ponce Financial Group, Inc.?

The Bank Specialized template measures 6 defenses, and PDLB scores: Deposit Franchise (27), Lending Advantage (48), Capital Strength (14), Cost Discipline (71), Revenue Diversification (63), Risk Management (24). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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