Ponce Financial Group, Inc. (PDLB) Stock Score, Valuation & Financial Research
Ponce Financial Group, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 53/100.
Quick answer for PDLB
Ponce Financial Group, Inc. currently has a Wall Street Score of 53/100. The stored market price is $20.52. Its financial score is 39/100. Its valuation score is 93/100. These figures are a research snapshot, not a buy or sell recommendation.
What Ponce Financial Group, Inc. does
Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its i
PDLB financial snapshot
- Wall Street Score:
- 53/100
- Current price:
- $20.52
- Market capitalization:
- $496.3M
- Revenue:
- $199.0M
- Net income:
- $31.4M
- Free cash flow:
- $54.6M
- Cash:
- $27.4M
- Total debt:
- $600.5M
- EPS:
- 1.21
- P/E ratio:
- 17.0x
- Financial score:
- 39/100
- Valuation score:
- 93/100
- Revenue score:
- 36/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $54.6M, showing positive cash generation.
- The balance sheet shows $27.4M of cash versus $600.5M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 39/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research PDLB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.