Ponce Financial Group, Inc. (PDLB) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
23.94
↓-33% vs avg
5yr avg: 35.95
30Y Low5.8·High77.1
P/FCF
↓
10.32
↓-66% vs avg
5yr avg: 30.11
30Y Low9.1·High106.8
P/B Ratio
↓
0.77
+12% vs avg
5yr avg: 0.69
30Y Low0.4·High1.7
ROE
↓
5.5%
↓+94% vs avg
5yr avg: 2.8%
30Y Low-9%·High15%
Debt/EBITDA
↑
14.53
↓-51% vs avg
5yr avg: 29.42
30Y Low1.4·High30.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PDLB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ponce Financial Group, Inc. trades at 15.1x earnings, 48% below its 5-year average of 29.2x, sitting at the 33rd percentile of its historical range. Compared to the Financial Services sector median P/E of 13.1x, the stock trades at a premium of 15%. On a free-cash-flow basis, the stock trades at 10.3x P/FCF, 66% below the 5-year average of 30.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $433M | $380M | $293M | $223M | $211M | $243M | $175M | $256M | $227M | $280M | — |
| Enterprise Value | $1.0B | $977M | $780M | $800M | $708M | $208M | $249M | $333M | $227M | $257M | — |
| P/E Ratio → | 15.08 | 13.74 | 28.26 | 65.07 | — | 9.60 | 45.70 | — | 84.93 | — | — |
| P/S Ratio | 2.23 | 1.96 | 1.75 | 1.66 | 2.43 | 3.14 | 2.88 | 4.88 | 4.70 | 6.78 | — |
| P/B Ratio | 0.77 | 0.70 | 0.58 | 0.45 | 0.43 | 1.29 | 1.10 | 1.62 | 1.34 | 1.70 | — |
| P/FCF | 10.32 | 9.06 | 65.24 | 36.62 | 22.72 | 16.93 | — | 208.33 | 106.84 | 47.69 | — |
| P/OCF | 10.08 | 8.85 | 40.65 | 34.31 | 21.58 | 13.12 | — | 50.78 | 28.78 | 32.42 | — |
P/E links to full P/E history page with 30-year chart
PDLB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Ponce Financial Group, Inc.'s enterprise value stands at 23.9x EBITDA, 33% below its 5-year average of 35.9x. The Financial Services sector median is 11.5x, placing the stock at a 109% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.03 | 4.66 | 5.95 | 8.12 | 2.69 | 4.09 | 6.34 | 4.69 | 6.21 | — |
| EV / EBITDA | 23.94 | 22.71 | 38.19 | 77.12 | — | 5.77 | 32.14 | — | 40.48 | — | — |
| EV / EBIT | 26.08 | 24.74 | 49.72 | 136.75 | — | 6.20 | 47.61 | — | 59.65 | — | — |
| EV / FCF | — | 23.27 | 173.54 | 131.60 | 76.02 | 14.49 | — | 270.71 | 106.66 | 43.72 | — |
PDLB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ponce Financial Group, Inc. earns an operating margin of 20.3%, roughly in line with the Financial Services sector average. Operating margins have expanded from 4.4% to 20.3% over the past 3 years, signaling improving operational efficiency. ROE of 5.5% is modest, trailing the sector median of 9.4%. ROIC of 2.6% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 54.5% | 54.5% | 47.7% | 54.2% | 53.9% | 85.9% | 77.3% | 76.0% | 77.8% | 79.4% | 83.4% |
| Operating Margin | 20.3% | 20.3% | 9.4% | 4.4% | -42.3% | 43.3% | 8.6% | -11.5% | 7.9% | -7.2% | 6.9% |
| Net Profit Margin | 14.8% | 14.8% | 6.6% | 2.5% | -34.4% | 32.8% | 6.3% | -9.8% | 5.5% | -10.6% | 4.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 5.5% | 5.5% | 2.2% | 0.7% | -8.8% | 14.6% | 2.4% | -3.1% | 1.6% | -3.4% | 1.5% |
| ROA | 0.9% | 0.9% | 0.4% | 0.1% | -1.5% | 1.7% | 0.3% | -0.5% | 0.3% | -0.5% | 0.2% |
| ROIC | 2.6% | 2.6% | 1.0% | 0.4% | -4.1% | 8.2% | 1.4% | -1.8% | 1.3% | -1.5% | 1.8% |
| ROCE | 2.4% | 2.4% | 1.3% | 0.5% | -4.9% | 10.5% | 2.2% | -2.5% | 1.8% | -2.0% | 2.4% |
PDLB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Ponce Financial Group, Inc. carries a Debt/EBITDA ratio of 14.5x, which is highly leveraged (251% above the sector average of 4.1x). Net debt stands at $597M ($625M total debt minus $29M cash). Interest coverage of just 0.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.15 | 1.15 | 1.24 | 1.46 | 1.12 | 0.64 | 0.93 | 0.66 | 0.41 | 0.22 | 0.06 |
| Debt / EBITDA | 14.53 | 14.53 | 30.69 | 69.09 | — | 3.36 | 19.18 | — | 12.40 | — | 1.42 |
| Net Debt / Equity | — | 1.10 | 0.96 | 1.18 | 1.01 | -0.19 | 0.46 | 0.48 | -0.00 | -0.14 | -0.06 |
| Net Debt / EBITDA | 13.87 | 13.87 | 23.83 | 55.66 | — | -0.97 | 9.53 | — | -0.07 | — | -1.35 |
| Debt / FCF | — | 14.21 | 108.30 | 94.98 | 53.30 | -2.44 | — | 62.38 | -0.18 | -3.97 | -1.50 |
| Interest Coverage | 0.46 | 0.46 | 0.18 | 0.10 | -2.28 | 4.07 | 0.46 | -0.49 | 0.40 | -0.44 | 0.41 |
PDLB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Ponce Financial Group, Inc.'s current ratio of 2.55x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.18x to 2.55x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 2.55 | 2.55 | 0.14 | 0.18 | 0.16 | 0.23 | 0.09 | 0.07 | 0.12 | 0.13 | 0.10 |
| Quick Ratio | 2.55 | 2.55 | 0.14 | 0.18 | 0.16 | 0.23 | 0.09 | 0.07 | 0.12 | 0.13 | 0.10 |
| Cash Ratio | 0.03 | 0.03 | 0.07 | 0.09 | 0.04 | 0.13 | 0.07 | 0.03 | 0.08 | 0.08 | 0.02 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.04 | 0.05 | 0.05 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
PDLB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ponce Financial Group, Inc. returns 0.3% to shareholders annually primarily through dividends. The earnings yield of 6.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.3% | 0.3% | 0.2% | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.6% | 7.3% | 3.5% | 1.5% | — | 10.4% | 2.2% | — | 1.2% | — | — |
| FCF Yield | 9.7% | 11.0% | 1.5% | 2.7% | 4.4% | 5.9% | — | 0.5% | 0.9% | 2.1% | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 4.9% | 0.0% | 0.7% | 2.7% | 6.2% | 0.0% | 0.0% | — |
| Total Shareholder Yield | 0.3% | 0.3% | 0.2% | 4.9% | 0.0% | 0.7% | 2.7% | 6.2% | 0.0% | 0.0% | — |
| Shares Outstanding | — | $23M | $23M | $23M | $23M | $17M | $17M | $17M | $18M | $18M | $8M |
Peer Comparison
Compare PDLB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PDLBYou | $433M | 15.1 | 23.9 | 10.3 | 54.5% | 20.3% | 5.5% | 2.6% | 14.5 |
 CARV | $9M | -0.6 | — | — | 56.3% | -36.8% | -38.2% | -13.0% | — |
 MGYR | $115M | 11.3 | 10.6 | 11.7 | 60.3% | 23.6% | 8.5% | 6.7% | 3.3 |
 NECB | $339M | 7.5 | 5.3 | 6.7 | 66.1% | 39.6% | 13.3% | 12.5% | 1.2 |
 KRNY | $508M | 19.2 | 44.5 | 23.8 | 44.1% | 9.0% | 3.5% | 1.1% | 35.0 |
 NBTB | $2B | 13.5 | 10.4 | 10.7 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 DCOM | $2B | 15.7 | -2.2 | 9.0 | 56.1% | 21.5% | 7.7% | 5.6% | 2.4 |
 FFIC | $544M | 29.7 | 25.3 | 9.7 | 41.9% | 7.6% | 2.6% | 1.7% | 14.9 |
 CTBI | $1B | 14.4 | 10.3 | 12.4 | 63.2% | 28.4% | 11.3% | 7.7% | 2.9 |
 NFBK | $588M | 19.5 | 24.2 | 19.6 | 49.1% | 16.1% | 4.3% | 2.0% | 15.6 |
 PFSI | $5B | 9.5 | 18.1 | — | 91.4% | 34.6% | 12.3% | 4.4% | 15.3 |
| Financial Services Median | — | 13.1 | 11.5 | 10.6 | 63.6% | 21.6% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonPDLB — Frequently Asked Questions
Quick answers to the most common questions about buying PDLB stock.
What is Ponce Financial Group, Inc.'s P/E ratio?
Ponce Financial Group, Inc.'s current P/E ratio is 15.1x. The historical average is 41.2x. This places it at the 33th percentile of its historical range.
What is Ponce Financial Group, Inc.'s EV/EBITDA?
Ponce Financial Group, Inc.'s current EV/EBITDA is 23.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 36.1x.
What is Ponce Financial Group, Inc.'s ROE?
Ponce Financial Group, Inc.'s return on equity (ROE) is 5.5%. The historical average is 1.4%.
Is PDLB stock overvalued?
Based on historical data, Ponce Financial Group, Inc. is trading at a P/E of 15.1x. This is at the 33th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Ponce Financial Group, Inc.'s dividend yield?
Ponce Financial Group, Inc.'s current dividend yield is 0.27%.
What are Ponce Financial Group, Inc.'s profit margins?
Ponce Financial Group, Inc. has 54.5% gross margin and 20.3% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Ponce Financial Group, Inc. have?
Ponce Financial Group, Inc.'s Debt/EBITDA ratio is 14.5x, indicating high leverage. A ratio above 4x may signal elevated financial risk.