# Ponce Financial Group Inc. (PDLB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $20.72, market value $501 million.

## Valuation
- **P/E (trailing): 14.7×** (5-yr avg 28.5×, 3-yr avg 35.7×). Ponce Financial Group Inc. trades at 14.7× trailing earnings, well below its own five-year average of 28.5×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.07**. A PEG of 0.07 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.5×**. The shares trade at 1.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 11.5%** (5-yr avg 6.3%). Free cash flow equals 11.5% of the market value, above its five-year average of 6.3%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Return on equity: 5.3%**. 5.3% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 160.9%** (5-yr 39.2%/yr). Earnings per share rose 160.9%.
- **Free-cash-flow growth (3 yr): 80.4%/yr**. Free cash flow has compounded at 80.4% a year over three years.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $126 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Ponce Financial Group Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 38.1%** (YTD 26.7%, 3-mo 9.1%). The shares are up 38.1% over twelve months including dividends.
- **From 52-week high: -1.8%** (49.0% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 58**. An RSI of 58 is neutral.
- **Beta (1 yr): 0.61** (volatility 23%). Beta of 0.61 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PDLB · Page: https://foliofundamentals.com/stocks/pdlb

Not investment advice.