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Ponce Financial Group, Inc.

PDLB

$20.06 ▼ -0.11 (-0.55%) at close

8 Visible periods

33 Metrics

Peer-ranked Benchmarks

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Health

Fair

Bullish

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Analytical Summary

Ponce Financial Group, Inc. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $456.3M

Dividend Yield —

Revenue Growth 30.5% ↗

Op. Margin 35.2% ↗

ROIC None

FCF / Share None

Trailing P/E 16.6x

Price / Book 0.9x

FCF Yield —

Debt / Equity 1.10

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$109.22M

↑ +30.5% —

Net Income Profit after all expenses

$28.70M

↑ +161.6% —

Operating Margin Operating profit as % of sales

35.2%

↑ +87.7% 90th

Long-Term Debt Long-term obligations

$596.10M

— 0.0% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Financial Health →

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	30.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+408%)	10.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	3.4% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-44%)	-21.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-465%)	69.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1055%)	35.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+488%)	—	—
EPS Growth YoY (%)	163.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	206.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	560.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—
Net Income Growth YoY (%)	161.6% Excellent Excellent Year-over-year change in net income	227.3% Excellent Excellent Year-over-year change in net income	N/M	N/M	559.6% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	14.4% Good ↑ Good Improving Compound annual revenue growth over 3 years	-3.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	11.0% Good Good Compound annual revenue growth over 3 years	21.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	14.6% Excellent Excellent Compound annual revenue growth over 5 years	15.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	-32.9% Weak Weak Compound annual EPS growth over 3 years	-13.3% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	35.2% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+41%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	7.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-69%)	-50.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-302%)	36.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	9.5% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	-14.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-159%)	—
Effective Tax Rate (%) (%)	25.3% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	42.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.6% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.3% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	26.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	13.1% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-40%)	4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-80%)	-41.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-287%)	27.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	7.0% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	-12.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	5.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	2.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	0.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	-6.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-151%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	2.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	-3.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-127%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	1.10x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-8%)	1.18x Caution → Caution Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	1.39x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+16%)	1.05x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-12%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$4.80	$3.73	$3.32	$3.22	$5.58	$3.31	$2.34	—
Basic EPS, GAAP (USD)	$1.21	$0.46	$0.15	$-1.32	$1.52	$0.23	$-0.29	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$22.44	$21.10	$20.66	$19.82	$10.86	$9.32	$9.09	—
Tangible Book Value per Share (USD)	$22.44	$21.10	$20.66	$19.82	$10.86	$9.32	$9.09	—
Basic Weighted Avg Shares (shares)	22.75M	22.43M	22.75M	22.69M	16.74M	16.67M	17.43M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$596.10M	$596.10M	$684.42M	$517.38M	—	—	—	—
Total Equity (USD)	$541.55M	$505.50M	$491.39M	$492.70M	$189.26M	$159.54M	$158.40M	$169.17M

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$109.22M	$83.69M	$75.49M	$73.02M	$93.48M	$55.22M	$40.82M	—
Net Income, GAAP (USD)	$28.70M	$10.97M	$3.35M	$-30.00M	$25.41M	$3.85M	$-5.12M	—
Operating Cash Flow (USD)	$55.59M	$7.21M	$6.49M	$9.80M	$18.55M	$-27.50M	$5.05M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Interest Margin (approx.) (%)	3.1%	2.5%	2.4%	2.9%	3.6%	3.1%	—	—
Efficiency Ratio (%) (%)	61.4%	80.6%	91.0%	117.5%	61.1%	86.1%	114.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 24 quarters

Ponce Financial Group, Inc.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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