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

MoatMap's StockRank for Ponce Financial Group, Inc. (PDLB) is 67/100, with a Buy signal. This is a composite score combining Quality (49), Value (36), and Momentum (75) 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 49/100. 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 Buy, based on a StockRank of 67/100. 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

BUY

Ponce Financial Group, Inc. · Financial Services · United States · $489M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

15.3x

ROE

5.9%

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%	109.2M
EPS	-1.32	0.15	0.46	1.21	184.0%	1.31
Shares	24.9M	22.3M	22.7M	23.0M	-7.6%	24.2M
Debt	551.9M	717.1M	626.8M	625.5M	4.3%	600.5M
Equity	492.7M	491.4M	505.5M	541.5M	3.2%	—
Op CF	9.8M	6.5M	7.2M	55.6M	78.4%	56.4M
Inv CF	-777.1M	-332.9M	-294.9M	-219.7M	—	—
Fin CF	667.7M	411.2M	288.3M	150.4M	—	—

Loading 1Y...

PRICE (1Y)+2.8%

SMA 50SMA 200

$19.91

RSI (14)

46.5

52W High

$20.74

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*36.7

ROE

5.9%28.0

GP/Assets

3.4%N/A

Op. Margin

41.2%60.8

FCF/Assets

1.7%N/A

Piotroski

684.4

Int. Cover

—50.0

D/E Ratio

1.15xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

15.3x39.4

EV/EBITDA

bankN/A

P/FCF

8.9xN/A

P/B

1.5x36.5

P/S

4.4x39.9

Div Yield

—N/A

Momentum

52W High %

96%70.2

RS 6M

11%79.1

SMA 50/200

1.13x83.0

EPS Rev 4W

0.0%70.1

EPS Rev 12W

+24.6%97.9

EPS Improve

+35%63.7

Q Growth

45%73.1

FUNDAMENTALS

Market Cap

$489M

P/E (Forward)

11.3x

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)	$489M	67	BUY
CBAN	Colony Bankcorp, Inc.	$462M	69	BUY
CBK	Commercial Bancgroup, Inc.	$454M	70	BUY
UNTY	Unity Bancorp, Inc.	$583M	69	BUY
FRST	Primis Financial Corp.	$382M	67	BUY
KRNY	Kearny Financial Corp.	$592M	65	HOLD
ISTR	Investar Holding Corporation	$411M	64	HOLD
BCAL	California BanCorp	$676M	66	BUY
SFST	Southern First Bancshares, Inc.	$582M	63	HOLD
OBT	Orange County Bancorp, Inc.	$505M	74	BUY

Peer medians: ROE 10.2% · P/E 14.1x · Gross margin 87.6%

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

Ponce Financial Group, Inc. (PDLB) has a MoatMap StockRank of 67/100 based on Quality (49/100), Value (36/100), and Momentum (75/100) factor scores. The current signal is BUY.

Key Financial Metrics

Price	$19.91
Market Cap	$489M
P/E (TTM)	15.28
P/E (Forward)	11.31
Price/Book	1.48
Return on Equity	5.9%
Debt/Equity	1.15x
Operating Margin	41.2%
Revenue Growth	15.1%
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 67/100, with a Buy signal. It is a composite of Quality (49), Value (36), and Momentum (75) 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 49/100. 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 Buy, based on a StockRank of 67/100. 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).