PDLBNasdaqSavings Institution, Federally CharteredFiscal year ends December 31
Ponce Financial Group, Inc.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$20.03−0.10 (-0.50%)
Close on Oct 19, 2026
- Market cap
- $470.87M
- P/E (TTM)
- 14.3
- Dividend yield
- –
Ponce Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Savings Institution, Federally Chartered companies for comparison
Valuation
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Market Cap | $484.48M | $679.86M |
| Enterprise Value | $344.47M | $408.94M |
| PE Ratio | 14.31 | 12.00 |
| PS Ratio | 4.04 | 3.61 |
| PB Ratio | 0.86 | 1.18 |
| P/TBV Ratio | 0.86 | 1.41 |
| P/FCF Ratio | 8.41 | 10.93 |
| P/OCF Ratio | 8.32 | 10.04 |
Enterprise value
| Measure | Ponce Financial | Industry median |
|---|---|---|
| EV / Sales | 2.87 | 2.78 |
| EV / FCF | 5.98 | 8.25 |
Income (trailing twelve months)
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Revenue | $120.01M | $170.85M |
| Pretax Income | $45.14M | $70.12M |
| Net Income | $33.76M | $54.33M |
| EPS (Diluted) | $1.40 | $2.90 |
Margins
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Pretax Margin | 37.6% | 36.4% |
| Profit Margin | 28.1% | 29.1% |
| FCF Margin | 48.0% | 33.0% |
Returns
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 6.24% | 10.5% |
| Return on Assets (ROA) | 1.02% | 1.12% |
Growth
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 27.6% | 11.8% |
| Net Income Growth (YoY) | 93.8% | 23.1% |
| EPS Growth (YoY) | 94.4% | 22.7% |
| FCF Growth (YoY) | 119.3% | 27.1% |
| Revenue Growth (3Y CAGR) | 14.4% | 5.82% |
| Revenue Growth (5Y CAGR) | 14.6% | 6.17% |
| EPS Growth (5Y CAGR) | 39.2% | 8.24% |
Balance sheet
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $140.01M | $205.54M |
| Net Cash (Debt) | $140.01M | $164.40M |
| Net Cash Per Share | $5.79 | $8.13 |
| Equity (Book Value) | $560.97M | $560.44M |
| Book Value Per Share | $23.19 | $28.47 |
| Tangible Book Value | $560.97M | $472.29M |
Cash flow (trailing twelve months)
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $58.26M | $61.20M |
| Capital Expenditures | -$621.00K | -$4.02M |
| Free Cash Flow | $57.64M | $52.43M |
| FCF Per Share | $2.38 | $3.07 |
Efficiency
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.04 | 0.04 |
| Revenue Per Employee | $555.60K | $353.78K |
| Profits Per Employee | $156.31K | $107.28K |
| Employee Count | 216 | 489 |
Dividends and yields
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Earnings Yield | 6.97% | 8.07% |
| FCF Yield | 11.9% | 8.89% |
Shares
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Shares Outstanding | 24,187,900 | 18,839,100 |
| Shares Change (YoY) | 2.19% | 0.39% |
| Shares Change (QoQ) | 0.00% | 0.00% |
| Float | 22,826,800 | 17,061,900 |
| Shares Held by Insiders | 5.63% | 5.89% |
| Shares Held by Institutions | 47.9% | 61.9% |
Taxes
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Income Tax | $11.37M | $14.50M |
| Effective Tax Rate | 25.2% | 21.1% |
Scores
| Measure | Ponce Financial | Industry median |
|---|---|---|
| Graham Number | $27.03 | $45.31 |
| Graham Upside | 34.9% | 21.6% |
| Altman Z-Score | 0.19 | 0.21 |
| Piotroski F-Score | 6 | 6 |
Calculated by StockData from Ponce Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.