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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1953
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$353M
Carlos P. Naudon
Ponce Financial Group, Inc., a bank holding company for Ponce Bank that provides various banking products and services. The company accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. It also invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises.
Headcount
250
HQ Base
Pending Verification
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = PDLB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$PDLB Ponce Financial Group, Inc. | 50 | 30 | 45 | 70 | 18.2x | 27.7x | 4.0% | 0.7% | 0.0% | 15.4% | 11.7% | 132.3% | 0.0% | 98.0x | $353M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Ponce Financial Group, Inc. (PDLB) receives a "Hold" rating with a composite score of 50.3/100. It ranks #1953 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for PDLB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 30 | 37 | -7DRAG |
| MOMENTUM | 70 | 78 | -8DRAG |
| VALUATION | 45 | 54 | -9DRAG |
| INVESTMENT | 24 | 14 | +10ALPHA |
| STABILITY | 68 | 76 | -8DRAG |
| SHORT INT | 52 | 60 | -8DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 0.9% vs WACC 4.4% (spread -3.5%)
GM 0% vs sector 78%, OM 15% vs sector 18%
Capital turnover 0.10x
Rev growth 132%, 5yr history
Interest coverage 1.7x, Net debt/EBITDA 49.6x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Ponce Financial Group, Inc. (PDLB) as a Hold with a composite score of 50.3/100 at a current price of $16.35. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Ponce Financial Group, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 50.3/100 places it at rank #1953 in our full universe.
The near-term outlook is constructive, with revenue growing at 132% and momentum in the 70th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Low
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Ponce Financial Group, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns Ponce Financial Group, Inc. a Hold rating, with a composite score of 50.3/100 and 3 out of 5 stars. Ranked #1953 of 7,333 stocks, PDLB presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
PDLB's quality score of 30/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 4.0% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 11.7% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 45/100, PDLB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 18.24x, an EV/EBITDA of 27.73x, a P/B ratio of 0.72x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
Ponce Financial Group, Inc.'s investment score of 24/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 132.3% vs. a sector average of 10.7% and a return on assets of 0.7% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
PDLB shows strong momentum characteristics with a score of 70/100. The stock has been trending above key moving averages, indicating solid demand from institutional buyers. Revenue growth stands at 132.3% year-over-year, while a beta of 0.61 reflects its sensitivity to broader market moves. This level of momentum typically signals sustained investor confidence and favorable near-term price action.
PDLB shows good financial stability with a score of 68/100. Key stability metrics include a beta of 0.61 and a debt-to-equity ratio of 98.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
The short interest score of 52/100 for PDLB suggests somewhat elevated bearish positioning by institutional traders. Specific risk factors include elevated leverage (D/E: 98.00x), small-cap liquidity risk. With a $353M market cap (small-cap), Ponce Financial Group, Inc. may experience above-average volatility. Investors should consider whether the short thesis has merit or if it creates a potential short-squeeze opportunity.
Ponce Financial Group, Inc. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1953 of 7,333 overall (73rd percentile). Key comparisons include ROE of 4.0% trailing the 9.0% sector median and operating margins of 15.4% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While PDLB currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (70) vs Investment (24) — closing this gap could shift the rating.
EV/EBITDA 257% ABOVE SECTOR MEDIAN
ROE 56% BELOW SECTOR MEDIAN
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...
PDL Community (PDLB) Q4 earnings: GAAP EPS $0.42 beat by $0.14; revenue $31.41M up 37.6% YoY.
Ponce Financial (PDLB) delivered earnings and revenue surprises of 466.67% and 9.20%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
If you are looking for stocks that are well positioned to maintain their recent uptrend, Ponce Financial (PDLB) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
Ponce Financial Group reported strong Q2 2025 financial results, with EPS of $0.25 beating analyst estimates and representing a 78.6% year-over-year increase. The bank demonstrated robust loan and deposit growth while maintaining a community-focused strategy serving minority and immigrant communities in the New York metropolitan area.