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PDLB

Ponce Financial Group, Inc.

Financial Services · $492M market cap

Verdict

Share price

$20.35

close of Oct 3, 2026

Fair value

$7.11

Sticker Price

Payback Price

$2.85

buy price

Overpriced

PDLB is Overpriced: at $20.35 it trades 186% above its fair value of $7.11. Its buy price (Payback Price) is $2.85, 86% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth28.1% a year✓
Equity per share growth17.6% a year✓
Sales growth18.6% a year✓
Free cash flow growth8.9% a year✗
Return on invested capital1.2%✗

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Superinvestors

1 of the investors we track holds PDLB. Who we track

First Pacific Advisors

First Pacific Advisors · as of Q2 2026

$3.6M

181,562 shares

About Ponce Financial Group, Inc.

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…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works