Ponce Financial Group (PDLB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Ponce Financial Group

NasdaqGM•Financial Services•Banks - Regional

$20.72+0.22(0.01%)Market closed

Market Cap

$469.60M

P/E

13.9x

P/S

3.9x

P/B

0.8x

Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It provides 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 offers real estate-secured loans, including 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. 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 of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.

How this company scores

WeakMetricSide Score: 77/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (24/25); weakest: Balance Sheet & Red Flags (9/25).

Profitability21/25

Growth23/25

Balance Sheet & Red Flags9/25

Cash & Earnings Quality24/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.9x5y range 12.2x – 75.5x

Currently below its 12-quarter median.

P/S · 3.9x5y range 1.8x – 3.9x

Currently near its 16-quarter median.

P/B · 0.8x5y range 0.5x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Share Dilution

Watch

Shares outstanding rose 2.7% — mild dilution. Compare to earnings growth to assess the net per-share impact.

Price & Volume

Market Cap $469.60M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $120.01M
Q. Revenue: $31.59M
TTM EBITDA: $43.83M
TTM Op. Income: $36.60M
Q. Op. Income: $9.78M
TTM Net Income: $33.76M
Q. Net Income: $8.49M
EPS: $0.36
Shares Out.: $23.05M

$120.01M in TTM revenue grew 27.6% YoY, reaching $31.59M last quarter. TTM EBITDA of $43.83M and TTM operating income of $36.60M show growth is flowing through to the bottom line. TTM net income of $33.76M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 34.9%
Op. Margin: 31.0%
Net Margin: 26.9%

Op. margin of 31.0% is up 8.6% YoY — cost efficiency is improving. Net margin at 26.9% Over the past year, operating margin is up 38% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.9x
P/S Ratio: 3.9x
P/B Ratio: 0.8x

At 13.9x P/E, the stock trades below typical market levels. P/S of 3.9x and P/B of 0.8x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 23% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.49B
Cash: $140.01M
Long-Term Debt: $621.10M
Book Value: $560.97M
D/E Ratio: 1.1
Debt/EBITDA: 56.4

With $3.49B in assets and $621.10M in long-term debt, D/E is 1.1and book value is $560.97M — moderate leverage. Over the past year, debt/equity is up 8% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $8.04M
TTM Free Cash Flow: $57.64M
FCF Margin: 48.0%
FCF / Net Income: 1.7

TTM FCF of $57.64M on $8.04M in operating cash flow. The FCF / Net Income ratio of 1.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 6 consecutive quarters — an improving trend.