Obermatt

Ponce Financial

NMQ:PDLB · US7323441060
BanksSmall

360

75
Profit price24
Cash yield1
Price/Sales45
EV / Gross Profit11
Price/Book84
Returns on capital18
Profit margins
Cash Conversion89
Accruals24
Owner Earnings Margin61
Sales growth79
Profit Growth89
Owner Earnings Growth86
Reinvestment66
Price momentum74
Debt load12
Debt serviceability75
Liquidity43
Analyst ratings100
Opinion Changes100
Price Target Upside98
Market mood3
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Ponce Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGM
Founded2021
ISINUS7323441060
Last UpdateApr 2, 2026

Description

Ponce Financial Group, Inc. operates as the holding company of Ponce Bank, which provides various banking products and services. The company’s business is conducted through the administrative office and 13 full-service banking offices, 2 mortgage lo…

Analysis

Weak and unloved

Ponce Financial Group, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.1×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
98
2023202420252026

All-time high

98

Jun 2026

All-time low

13

Jan 2023

Average rank

54

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
45
36
45
54
Price/Earnings
100
7
58
27
Price/Book
84
47
60
66
Dividend Yield
1
1
1
1
Value (overall)
73
9
24
15

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →