---
title: "Ponce Financial Group, Inc. (PDLB.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/PDLB.US.md"
symbol: "PDLB.US"
name: "Ponce Financial Group, Inc."
industry: "區域性銀行"
---

# Ponce Financial Group, Inc. (PDLB.US)

| Item | Detail |
|------|--------|
| Industry | 區域性銀行 |
| Location | 美股市場 |
| Website | [www.poncebank.com](https://www.poncebank.com) |

## Company Profile

Ponce Financial Group, Inc. 作為 Ponce Bank 的銀行控股公司，提供各種銀行產品和服務。它提供多種存款，包括活期存款、NOW/IOLA 存款、貨幣市場存款、個人退休賬戶和儲蓄賬戶；互惠存款；以及向個人、商業實體和非營利組織提供的存款證。該公司還提供以房地產為擔保的貸款，包括一至四戶家庭的投資者擁有和自住住宅；多戶住宅；非住宅物業；建設和土地；商業和工業；以及商業和消費貸款

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-14T04:30:13.000Z

**Overall: B (0.37)**

**Industry**: Regional Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 56 / 327 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Blend - Stocks in which the company has both growth and mature businesses.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 28.02% |  |
| Net Profit YoY | 166.87% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 1.19 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 377.10M |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 105.44M |  |


**Multi Score**: B

#### Profit Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 9.24% | B |
| Profit Margin | 27.22% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 28.02% | A |
| Net Profit YoY | 166.87% | A |
| Total Assets YoY | 6.05% | B |
| Net Assets YoY | 7.13% | B |

#### Cash Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 382.33% | C |
| OCF YoY | 28.02% | A |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Ponce Financial Group, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "9.24%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "27.22%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "A",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "28.02%",
          "rating": "A"
        },
        {
          "name": "Net Profit YoY",
          "value": "166.87%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "6.05%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "7.13%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "B",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "382.33%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "28.02%",
          "rating": "A"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Truist Financial (US.TFC) | C | B | E | A | B | B |
| 02 | Pinnacle金融 (US.PNFP) | B | B | E | A | B | B |
| 03 | SouthState Bank (US.SSB) | B | A | E | A | B | B |
| 04 | UMB金融 (US.UMBF) | B | A | E | A | B | B |
| 05 | Old National銀行 (US.ONB) | C | A | E | A | B | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 13.67 | 161/313 | 23.99 | 20.76 | 18.04 |
| PB | 1.19 | 167/313 | 1.19 | 1.11 | 1.05 |
| PS (TTM) | 3.58 | 141/313 | 3.76 | 3.65 | 3.52 |
| Dividend Yield | 0.00% | - | - | - | - |

## Institutional View

### Analyst Rating Distribution

> As of 2025-11-05T05:00:00.000Z

Total Analysts: **1**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 1 | 100% |
| Overweight | 0 | 0% |
| Hold | 0 | 0% |
| Underweight | 0 | 0% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 16.54 |
| Highest Target | 18.50 |
| Lowest Target | 18.50 |

## References

- [Company Overview](https://longbridge.com/en/quote/PDLB.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/PDLB.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/PDLB.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.