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Ponce Financial GroupPDLB +0.10%62 3-Year Book Growth Rate is 8.60% as of Jun. 2026, which is 67% above its 10-year median of 5.15. GuruFocus rates PDLB with a GF Score™ of 62/100 and a GF Value™ of $17.20 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, Ponce Financial Group ranks worse than 50.43% on this metric.
During the past 12 months, Ponce Financial Group's average Book Value per Share Growth Rate was 6.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 8.60% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 7.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 11 years, the highest 3-Year average Book Value per Share Growth Rate of Ponce Financial Group was 8.60% per year. The lowest was -6.70% per year. And the median was 5.15% per year.
Ponce Financial Group (NAS:PDLB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Ponce Financial Group 3-Year Book Growth Rate Related Terms
PDLB vs COFS, BWFG, FFMR: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Ponce Financial Group's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ponce Financial Group 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's 3-Year Book Growth Rate falls into.
Ponce Financial Group 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 8.60% mean?
Ponce Financial Group (PDLB) has a 3-Year Book Growth Rate of 8.60% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Ponce Financial Group and its competitors. This is 67% above median its historical median of 5.15. According to the industry distribution chart, Ponce Financial Group ranks #754 out of 1495 companies in the Banks industry, placing it in the top 50.4%.
Is Ponce Financial Group's 3-Year Book Growth Rate too high?
Ponce Financial Group's current 3-Year Book Growth Rate of 8.60% is 67% above median its 10-year median of 5.15. The Banks industry median 3-Year Book Growth Rate is 8.70. Ponce Financial Group's value of 8.60% is 1.1% below this industry median. Based on the distribution chart, Ponce Financial Group ranks #754 out of 1495 companies in the Banks industry, which is below the industry midpoint. Overall, Ponce Financial Group has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ponce Financial Group's 3-Year Book Growth Rate compare to COFS and BWFG?
According to the Banks industry distribution chart, Ponce Financial Group ranks #754 out of 1495 companies for 3-Year Book Growth Rate. This places Ponce Financial Group in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Ponce Financial Group's value of 8.60% is 1.1% below this benchmark. While the company's 10-year median is 5.15 vs. the industry median of 8.70, Ponce Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current 3-Year Book Growth Rate of 8.60% is 1.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Ponce Financial Group and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current 3-Year Book Growth Rate is 8.60%, which is 67% above median its own 10-year median of 5.15. 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 $17.20, compared to a current price of $20.75 — trading 20.6% above its estimated fair value. The current 3-Year Book Growth Rate is 8.60%, which is 67% above median its 10-year median of 5.15 and 1.1% below the Banks industry median of 8.70. Ponce Financial Group's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current 3-Year Book Growth Rate is 8.60% as of Jun. 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 $20.75 is trading 20.6% above its estimated GF Value™ of $17.20.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
3-Year Book Growth Rate: 8.60% (67% above median its 10-year median of 5.15)
GF Value™: $17.20 vs. price of $20.75 (20.6% above fair value)
Industry Position: 1.1% below the Banks median (#754 of 1495)
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 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.
62GF Score
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