Ponce Financial Group, Inc. (PDLB)
Valuation Overview•Is Ponce Financial Group, Inc. Overvalued or Undervalued?
Commands a premium valuation multiple over its peers, likely pricing in superior execution.
Moderate quality score of 52/100, reflecting stable operating margins and manageable leverage.
Analysts remain bullish, forecasting further upside expansion with consensus targets suggesting solid gains.
Verdict: Average quality business weighed down by significant solvency concerns.
Wall Street is highly bullish, projecting significant upside alongside robust expected earnings growth. However, capital return yields remain modest, anchored by a strong, well-covered dividend yield.
PDLB demonstrates adequate business quality with stable profitability. However, this is severely offset by a highly leveraged balance sheet (Debt/EBITDA > 4.0x) and elevated financial risk.
The company maintains stable top-line performance paired with stable bottom-line earnings. The company maintains healthy operational efficiency with a 21.6% operating margin.
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $50.7M | +16.1% | — | — | +18.6% | |
| EBITDA | $12.6M | — | — | — | — | |
| Net Income | $8.6M | +161.6% | — | — | +27.6% | |
| EPS (Diluted) | $0.36 | +158.7% | — | +38.9% | +14.8% | |
| Free Cash Flow | $12.5M | +1115.3% | +80.4% | — | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 55.3% | 52.1% | 59.2% | 69.0% |
| Operating Margin | 21.6% | 11.4% | 7.0% | 4.0% |
| Net Margin | 15.8% | 7.9% | 4.4% | 1.8% |
| FCF Margin | 27.7% | 11.8% | 12.9% | 4.8% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $0.27 | $0.36 | +33.3% | ||
| Q1'26 | $0.28 | $0.42 | +50.0% | ||
| Q4'25 | $0.22 | $0.27 | +22.7% | ||
| Q3'25 | $0.17 | $0.25 | +47.1% | ||
| Q2'25 | $0.09 | $0.25 | +177.8% | ||
| Q1'25 | — | $0.13 | — | ||
| Q1'25 | $0.09 | $0.12 | +33.3% | ||
| Q4'24 | $0.07 | $0.10 | +42.9% |
Total return is +45.6% (1Y), outperforming the benchmark by +24.7%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | +22.2% | +14.9% | — |
| 1Y | +45.6% | +24.7% | — |
| 3YCAGR | +31.6% | +12.9% | — |
| 5YCAGR | +6.8% | -4.5% | — |
| 10YCAGR | +2.8% | -10.9% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Ponce Financial Group, Inc. (PDLB) valuation, health, and returns.
Based on peer relative multiples, Ponce Financial Group, Inc. appears Slightly expensive versus peers compared to industry peers.
Ponce Financial Group, Inc. has multiple valuation anchors: Peer Relative Fair Value: $17.83 | Wall Street Analyst Target: $24.00 (implying +21.5% upside). A convergence of these signals offers higher conviction.
Ponce Financial Group, Inc. displays fair financial health with a composite quality score of 52/100, supported by a Piotroski F-Score of 7/9, Return on Invested Capital (ROIC) of 2.6%.
Ponce Financial Group, Inc. pays a 0.2% dividend yield, covered by a 0% payout ratio with 0 years of growth, supplemented by a 0.0% buyback yield.
Ponce Financial Group, Inc.'s current growth trajectory is Stable. The company achieved +16.1% 1Y revenue growth and +158.7% 1Y EPS growth, compared to its 3Y revenue CAGR of N/A.
Wall Street consensus is Buy based on 2 analysts, beating EPS expectations in 100% of recent quarters with a 12-quarter streak. The consensus price target represents a +21.5% change from current levels.
Investment risks for Ponce Financial Group, Inc. include: -8.4% 1-year max drawdown. Volatility risk is characterized by a beta of 0.64x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.