PDLB Relative Valuation
PDLB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PDLB is overvalued; if below, it's undervalued.
Historical Valuation
Ponce Financial Group Inc (PDLB) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.00 is considered Undervalued compared with the five-year average of -35.19. The fair price of Ponce Financial Group Inc (PDLB) is between +Inf to +Inf according to relative valuation methord. Compared to the current price of 16.10 USD , Ponce Financial Group Inc is Undervalued By Fair.
Relative Value
Fair Zone
+Inf-+Inf
Current Price：16.10
Fair
Undervalued
12.78
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Ponce Financial Group Inc. (PDLB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Ponce Financial Group Inc. (PDLB) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.00
PS
Ponce Financial Group Inc. (PDLB) has a current PS of 0.00. The 5-year average PS is 2.65. The thresholds are as follows: Strongly Undervalued below -1.21, Undervalued between -1.21 and 0.72, Fairly Valued between 4.59 and 0.72, Overvalued between 4.59 and 6.52, and Strongly Overvalued above 6.52. The current Forward PS of 0.00 falls within the Undervalued range.
0.00
P/OCF
Ponce Financial Group Inc. (PDLB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Ponce Financial Group Inc. (PDLB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Ponce Financial Group Inc (PDLB) has a current Price-to-Book (P/B) ratio of 1.20. Compared to its 3-year average P/B ratio of 0.88 , the current P/B ratio is approximately 36.46% higher. Relative to its 5-year average P/B ratio of 0.97, the current P/B ratio is about 24.59% higher. Ponce Financial Group Inc (PDLB) has a Forward Free Cash Flow (FCF) yield of approximately 11.45%. Compared to its 3-year average FCF yield of 0.43%, the current FCF yield is approximately 2550.93% lower. Relative to its 5-year average FCF yield of 0.44% , the current FCF yield is about 2505.66% lower.
1.20
P/B
Median3y
0.88
Median5y
0.97
11.45
FCF Yield
Median3y
0.43
Median5y
0.44
Competitors Valuation Multiple
The average P/S ratio for PDLB's competitors is 1.22, providing a benchmark for relative valuation. Ponce Financial Group Inc Corp (PDLB) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 41.40%, this premium appears sustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PDLB increased by 21.33% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 13.76 to 26.03.
The secondary factor is the Revenue Growth, contributed 41.40%to the performance.
Overall, the performance of PDLB in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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Frequently Asked Questions
Is Ponce Financial Group Inc (PDLB) currently overvalued or undervalued?
Ponce Financial Group Inc (PDLB) is now in the Undervalued zone, suggesting that its current forward PS ratio of 0.00 is considered Undervalued compared with the five-year average of -35.19. The fair price of Ponce Financial Group Inc (PDLB) is between +Inf to +Inf according to relative valuation methord. Compared to the current price of 16.10 USD , Ponce Financial Group Inc is Undervalued By Fair .
What is Ponce Financial Group Inc (PDLB) fair value?
PDLB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Ponce Financial Group Inc (PDLB) is between +Inf to +Inf according to relative valuation methord.
How does PDLB's valuation metrics compare to the industry average?
The average P/S ratio for PDLB's competitors is 1.22, providing a benchmark for relative valuation. Ponce Financial Group Inc Corp (PDLB) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 41.40%, this premium appears sustainable.
What is the current P/B ratio for Ponce Financial Group Inc (PDLB) as of Jan 08 2026?
As of Jan 08 2026, Ponce Financial Group Inc (PDLB) has a P/B ratio of 1.20. This indicates that the market values PDLB at 1.20 times its book value.
What is the current FCF Yield for Ponce Financial Group Inc (PDLB) as of Jan 08 2026?
As of Jan 08 2026, Ponce Financial Group Inc (PDLB) has a FCF Yield of 11.45%. This means that for every dollar of Ponce Financial Group Inc’s market capitalization, the company generates 11.45 cents in free cash flow.
What is the current Forward P/E ratio for Ponce Financial Group Inc (PDLB) as of Jan 08 2026?
As of Jan 08 2026, Ponce Financial Group Inc (PDLB) has a Forward P/E ratio of 12.78. This means the market is willing to pay $12.78 for every dollar of Ponce Financial Group Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Ponce Financial Group Inc (PDLB) as of Jan 08 2026?
As of Jan 08 2026, Ponce Financial Group Inc (PDLB) has a Forward P/S ratio of 0.00. This means the market is valuing PDLB at $0.00 for every dollar of expected revenue over the next 12 months.