Ponce Financial Group, Inc. (PDLB) P/E Ratio History
UndervaluedTrading at 16.8x vs 5Y avg 33.7x · 40th percentile · Below historical baseline · Data 2018–2026
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P/E Ratio Analysis
As of June 30, 2026, Ponce Financial Group, Inc. (PDLB) trades at a price-to-earnings ratio of 16.8x, with a stock price of $19.98 and trailing twelve-month earnings per share of $1.34.
The current P/E is 50% below its 5-year average of 33.7x. Over the past five years, PDLB's P/E has ranged from a low of 9.6x to a high of 99.6x, placing the current valuation at the 40th percentile of its historical range.
Compared to the Financial Services sector median P/E of 14.1x, PDLB trades at a 19% premium to its sector peers. The sector includes 801 companies with P/E ratios ranging from 0.0x to 162.0x.
The PEG ratio of 0.43 (P/E divided by 159% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PDLB trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PDLB DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PDLB Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PDLB P/E vs Peers
Commercial real estate and multifamily lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $116M | 11.5 | 0.35 | +27% | |
| $384M | 8.5Lowest | 0.25Best | -8% | |
| $583M | 22.1 | - | +130% | |
| $3B | 14.8 | 2.10 | +13% | |
| $2B | 17.1 | 2.68 | +331%Best | |
| $524M | 28.6 | - | +151% | |
| $1B | 13.3 | 1.31 | +18% | |
| $611M | 739.4 | - | -97% | |
| $4B | 9.3 | - | +59% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PDLB Historical P/E Data (2018–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q1 | - | $16.71 | $1.30 | 12.9x | -64% |
| FY2025 Q4 | Dec 31 2025 | $16.35 | $1.19 | 13.7x | -62% |
| FY2025 Q3 | - | $14.70 | $0.89 | 16.5x | -54% |
| FY2025 Q2 | Jun 30 2025 | $13.84 | $0.72 | 19.4x | -46% |
| FY2025 Q1 | Mar 31 2025 | $12.67 | $0.61 | 20.9x | -42% |
| FY2024 Q4 | - | $13.00 | $0.47 | 27.9x | -23% |
| FY2024 Q3 | Sep 30 2024 | $11.69 | $0.37 | 31.7x | -12% |
| FY2024 Q2 | Jun 30 2024 | $9.14 | $0.39 | 23.3x | -36% |
| FY2024 Q1 | Mar 31 2024 | $8.90 | $0.25 | 35.7x | -1% |
| FY2023 Q4 | Dec 31 2023 | $9.76 | $0.15 | 63.5x | +76% |
| FY2022 Q2 | - | $9.24 | $0.73 | 12.6x | -65% |
| FY2022 Q1 | - | $10.38 | $1.05 | 9.9x | -73% |
| FY2021 Q4 | Dec 31 2021 | $14.50 | $1.51 | 9.6x | -73% |
| FY2021 Q3 | - | $10.33 | $0.72 | 14.3x | -60% |
| FY2021 Q2 | Jun 30 2021 | $13.66 | $0.84 | 16.3x | -55% |
| FY2021 Q1 | Mar 31 2021 | $11.11 | $0.46 | 24.2x | -33% |
| FY2020 Q4 | - | $10.51 | $0.24 | 43.8x | +21% |
| FY2019 Q3 | Sep 30 2019 | $14.06 | $0.17 | 82.7x | +129% |
| FY2019 Q2 | Jun 30 2019 | $14.29 | $0.15 | 95.3x | +164% |
| FY2019 Q1 | Mar 31 2019 | $13.95 | $0.14 | 99.6x | +176% |
| FY2018 Q4 | Dec 31 2018 | $12.74 | $0.15 | 84.9x | +135% |
Average P/E for displayed period: 36.1x
Intrinsic Valuation
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Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
PDLB — Frequently Asked Questions
Quick answers to the most common questions about buying PDLB stock.
What is PDLB's P/E ratio?
Ponce Financial Group, Inc. (PDLB) trailing twelve-month P/E ratio is 16.8x, based on TTM diluted EPS of $1.34. The 5-year average P/E is 33.7x and the historical range spans 9.6x to 99.6x.
Is PDLB stock overvalued or undervalued?
PDLB trades at 16.8x P/E, below its 5-year average of 33.7x. At the 40th percentile of its historical range (9.6x–99.6x), the stock is priced at a discount to its own history.
Is PDLB stock expensive?
No, PDLB is not expensive on a historical basis. The current P/E of 16.8x is below the 5-year average of 33.7x and sits at the 40th percentile of its valuation range.
What is PDLB's historical P/E range?
Over the past 5 years, PDLB's P/E ratio has ranged from 9.6x to 99.6x, with a median of 23.3x and an average of 33.7x. The current P/E of 16.8x places the stock at the 40th percentile of this range. Full historical data spans 2018–2026.
How does PDLB's P/E compare to the S&P 500?
PDLB trades at 16.8x P/E versus the S&P 500 median of 25.1x. The 33% discount to the market suggests lower growth expectations or perceived higher risk.
How does PDLB's valuation compare to Financial Services peers?
Ponce Financial Group, Inc. P/E of 16.8x compares to the Financial Services sector median of 14.1x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PDLB's PEG ratio?
PDLB PEG ratio is 0.43, based on a P/E of 16.8x and EPS growth of 158.7%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is PDLB's earnings yield?
PDLB earnings yield is 5.96%, the inverse of its 16.8x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.