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PDLB
Ponce Financial Group, Inc.
NASDAQ· Financial Services· Banks - Regional· CUSIP 732344106
$20.45+0.69%Price as of Aug 29, 18:34 UTC · updated once a day, after the close
Key metrics
- Market cap
- $494.64M
- P/E
- 14.4x
- Forward P/E
- 11.6x
- P/B
- 1.5x
- Dividend yield
- —
- Payout
- —
- EPS
- $1.42
- ROE
- 6.24%
- Profit margin
- 29.68%
- Revenue growth
- +18.40%
- Beta
- 0.54
- 52-week high
- $21.10
- 52-week low
- $13.91
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +82.9% over 5Y.
today you would have $1,969.07▲ +96.9%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 7 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Year-end price | $16.35 | $13.00 | $9.76 | $9.32 | $10.39 | $7.53 | $10.54 | |
| P/E | 28.3x | 13.6x | 28.3x | 65.1x | — | 6.9x | 32.8x | — |
| P/S | 3.2x | 3.6x | 3.7x | 3.1x | 3.2x | 2.7x | 2.3x | 4.5x |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$21.07
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$35.50
Earnings growing 25.0% a year plus a 0.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$19.00
Median P/E of 13.4 among peers in the sector.
Earnings
$40.13
Median P/E of 28.3 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
$57.85
Cash flow growing 15.0% a year for 10 years, discounted at 10%, then 2.5% forever.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| GLREGreenlight Capital Re Ltd | $15.11 | 10.2x | 0.7x | — | 7.50% | $493.21M |
| BSVNBank7 Corp. | $52.21 | 11.9x | 1.9x | 2.30% | 16.85% | $497.34M |
| WTBAWest Bancorporation Inc | $29.21 | 13.0x | 1.8x | 3.56% | 14.71% | $497.85M |
| AACAres Acquisition Corp III | $10.08 |
About the company
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.
- 229
- Bronx, United States
Company description provided by Yahoo Finance.