PDLB (Ponce Financial Group) Accounts Receivable: $19.3 Mil (As of Mar. 2026)

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PDLB Ponce Financial Group Inc PDLB
61 GF Score
Price $20.06
GF Value $15.42
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ponce Financial Group Accounts Receivable?

Ponce Financial Group PDLB -1.14% 61 Accounts Receivable is $19.3 Mil as of Mar. 2026. GuruFocus rates PDLB with a GF Score™ of 61/100 and a GF Value™ of $15.42 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Ponce Financial Group's accounts receivables for the quarter that ended in Mar. 2026 was $19.3 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Ponce Financial Group's Days Sales Outstanding for the quarter that ended in Mar. 2026 was 58.34.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Ponce Financial Group's Net-Net Working Capital per share for the quarter that ended in Mar. 2026 was $-119.52.

Ponce Financial Group Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Ponce Financial Group's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=19.274/30.147*91
=58.34

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Ponce Financial Group's accounts receivable are only considered to be worth 75% of book value:

Ponce Financial Group's Net-Net Working Capital Per Share for the quarter that ended in Mar. 2026 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(204.645+0.75 * 19.274+0.5 * 0-2749.394
-225-0)/23.053
=-119.52

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Ponce Financial Group Accounts Receivable Related Terms

Ponce Financial Group Accounts Receivable Historical Data

* Premium members only.

The historical data trend for Ponce Financial Group's Accounts Receivable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ponce Financial Group Accounts Receivable Chart

Ponce Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Accounts Receivable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 12.36 15.05 18.01 17.77 17.91

Ponce Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Accounts Receivable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19.01 19.13 18.90 17.91 19.27
PDLB
61GF Score
Ponce Financial Group Inc PDLB
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Ponce Financial Group Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of $19.3 Mil mean?
Ponce Financial Group (PDLB) has a Accounts Receivable of $19.3 Mil as of Mar. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Ponce Financial Group and its competitors.
Is Ponce Financial Group's Accounts Receivable too high?
Ponce Financial Group's current Accounts Receivable is $19.3 Mil. Overall, Ponce Financial Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ponce Financial Group's Accounts Receivable compare to FFMR and BWFG?
Ponce Financial Group's Accounts Receivable of $19.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Ponce Financial Group and its competitors. Ponce Financial Group's current Accounts Receivable is $19.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ponce Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ponce Financial Group (PDLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $20.06 — trading 30.1% above its estimated fair value. The current Accounts Receivable is $19.3 Mil. Ponce Financial Group's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Accounts Receivable is $19.3 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Ponce Financial Group (PDLB) Overvalued in 2026?

Based on GuruFocus' analysis, Ponce Financial Group stock appears to be overvalued. The current stock price of $20.06 is trading 30.1% above its estimated GF Value™ of $15.42. GuruFocus considers Ponce Financial Group to be Modestly Overvalued.

Key valuation signals for PDLB:

  • Accounts Receivable: $19.3 Mil
  • GF Value™: $15.42 vs. price of $20.06 (30.1% above fair value)
  • GF Score™: 61/100 with 5 warning signs

No single metric tells the full story. See the PDLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Ponce Financial Group Business Description

Address 2244 Westchester Avenue, Bronx, NY, USA, 10462
Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, which consists of securities issued by the U.S. Government and federal agencies and mortgage-backed securities issued by the United States government-sponsored enterprises. Some of the products and services include checking solutions, online and mobile banking, merchant credit card services, and others.
61GF Score

Get the complete analysis for PDLB

Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.06
Price
$15.42
GF Value