Stocktoria

Ponce Financial Group, Inc. PDLB

Nasdaq · stock · Savings Institution, Federally Chartered · website · IPO 2017-10-02

Ponce Financial Group, Inc. statistics & valuation

Market cap$477.7M
P / E16.6×
P / B0.9×
P / FCF8.7×
Return on equity5.3%
Net debt$469.9M
Enterprise value USD$947.7M
Graham number +19%$24.61

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($24.61); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
202020212022202320242025
Operating margin (%)
202020212022202320242025
Return on equity (%)
2.40% 13.40% -6.10% 0.70% 2.20% 5.30% 202020212022202320242025
Shares outstanding
17.1M 17.4M 24.9M 23.8M 24.0M 24.1M 202020212022202320242025
Net debt ($)
$463.0M $545.2M $456.3M $469.9M 202020212022202320242025
Share buybacks ($)
202020212022202320242025
Return on assets (%)
0.30% 1.50% -1.30% 0.10% 0.40% 0.90% 202020212022202320242025
Free cash flow margin (%)
202020212022202320242025
Debt / equity (×)
1.05× 1.39× 1.18× 1.10× 202020212022202320242025
EPS ($)
$0.23 $1.51 -$1.32 $0.15 $0.46 $1.20 202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Ponce Financial Group, Inc. trades at about 17.2× earnings — below its 10-year norm (10-year range 7.1×–60.4×, median 28.8×).

7.1× 60.4×

Shaded band = 10-year range (7.1×–60.4×); dot = today's 17.2×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020
Return on assets0.9%0.4%0.1%-1.3%1.5%0.3%
Return on equity5.3%2.2%0.7%-6.1%13.4%2.4%
Debt / equity1.10×1.18×1.39×1.05×——

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.