What is Ponce Financial Group, Inc.'s (PDLB) StockRank?

MoatMap's StockRank for Ponce Financial Group, Inc. (PDLB) is 59/100, with a Hold signal. This is a composite score combining Quality (50), Value (36), and Momentum (67) factor ranks across MoatMap's 20,000+ stock universe.

Does Ponce Financial Group, Inc. have an economic moat?

Ponce Financial Group, Inc. (PDLB) has a Quality factor score of 50/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Ponce Financial Group, Inc. a buy, hold, or sell?

MoatMap's current signal for Ponce Financial Group, Inc. (PDLB) is Hold, based on a StockRank of 59/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Ponce Financial Group, Inc. in?

Ponce Financial Group, Inc. (PDLB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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PDLB

HoldPremium Grower

Ponce Financial Group, Inc. · Financial Services · United States · $495M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

14.7x

ROE

6.2%

D/E

1.2x

Dividend %

—

COMPANY DESCRIPTION

Ponce Financial Group, Inc. is the holding company for Ponce Bank, a community development financial institution (CDFI) serving diverse communities, primarily in the New York metropolitan area. The bank provides a full range of financial services with a focus on underserved markets, offering a competitive advantage through its mission-driven approach and deep local relationships. It supports economic growth in its communities.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM
Revenue	71.0M	73.9M	81.1M	108.3M	15.1%	113.8M
EPS	-1.32	0.15	0.46	1.21	184.0%	1.41
Shares	24.9M	22.3M	22.7M	23.0M	-7.6%	24.2M
Debt	551.9M	717.1M	626.8M	625.5M	4.3%	650.0M
Equity	492.7M	491.4M	505.5M	541.5M	3.2%	—
Op CF	9.8M	6.5M	7.2M	55.6M	78.4%	58.3M
Inv CF	-777.1M	-332.9M	-294.9M	-219.7M	—	—
Fin CF	667.7M	411.2M	288.3M	150.4M	—	—

Loading 1Y...

PRICE (1Y)+3.4%

SMA 50SMA 200

$20.72

RSI (14)

49.5

52W High

$21.10

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*37.7

ROE

6.2%31.1

GP/Assets

3.5%N/A

Op. Margin

39.8%58.5

FCF/Assets

1.7%N/A

Piotroski

685.4

Int. Cover

—50.0

D/E Ratio

1.15xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

14.7x39.4

EV/EBITDA

bankN/A

P/FCF

9.1xN/A

P/B

1.5x36.3

P/S

4.4x38.6

Div Yield

—N/A

Momentum

52W High %

98%85.8

RS 6M

11%76.9

SMA 50/200

1.13x80.9

EPS Rev 4W

0.0%27.7

EPS Rev 12W

0.0%38.5

EPS Improve

+26%58.8

Q Growth

39%68.2

FUNDAMENTALS

Market Cap

$495M

P/E (Forward)

11.7x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PDLB are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PDLB	Ponce Financial Group, Inc.(you)	$495M	59	Hold
BSVN	Bank7 Corp.	$497M	58	Hold
FRBA	First Bank	$443M	63	Hold
BSRR	Sierra Bancorp	$516M	54	Hold
CZNC	Citizens & Northern Corporation	$458M	64	Hold
BWB	Bridgewater Bancshares, Inc.	$594M	62	Hold
HBCP	Home Bancorp, Inc.	$547M	64	Hold
SFST	Southern First Bancshares, Inc.	$590M	63	Hold
USCB	USCB Financial Holdings, Inc.	$414M	63	Hold
AROW	Arrow Financial Corporation	$611M	63	Hold

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Ponce Financial Group, Inc. (PDLB): Stock Score Summary

Ponce Financial Group, Inc. (PDLB) has a MoatMap StockRank of 59/100 based on Quality (50/100), Value (36/100), and Momentum (67/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$20.72
Market Cap	$495M
P/E (TTM)	14.70
P/E (Forward)	11.71
Price/Book	1.49
Return on Equity	6.2%
Debt/Equity	1.15x
Operating Margin	39.8%
Revenue Growth	18.4%
Free Cash Flow	$55M

Ponce Financial Group, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Ponce Financial Group, Inc.’s (PDLB) StockRank?: MoatMap’s StockRank for Ponce Financial Group, Inc. (PDLB) is 59/100, with a Hold signal. It is a composite of Quality (50), Value (36), and Momentum (67) factor ranks across MoatMap’s 20,000+ stock universe.
Does Ponce Financial Group, Inc. have an economic moat?: Ponce Financial Group, Inc. (PDLB) has a Quality factor score of 50/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Ponce Financial Group, Inc. a buy, hold, or sell?: MoatMap’s current signal for Ponce Financial Group, Inc. (PDLB) is Hold, based on a StockRank of 59/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Ponce Financial Group, Inc. in?: Ponce Financial Group, Inc. (PDLB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).