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Ponce Financial GroupPDLB +0.10%62 Cash-to-Debt is 0.22 as of Jun. 2026, which is 58% below its 10-year median of 0.53. GuruFocus rates PDLB with a GF Score™ of 62/100 and a GF Value™ of $17.18 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,495 Banks companies, Ponce Financial Group ranks worse than 87.89% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Ponce Financial Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.22.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Ponce Financial Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Ponce Financial Group's Cash-to-Debt or its related term are showing as below:
PDLB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.1 Med: 0.53 Max: 3.91
Current: 0.22
During the past 11 years, Ponce Financial Group's highest Cash to Debt Ratio was 3.91. The lowest was 0.10. And the median was 0.53.
PDLB's Cash-to-Debt is ranked worse than 87.89% of 1495
companies
in the Banks industry
Industry Median: 1.37
vs PDLB: 0.22
Ponce Financial Group (NAS:PDLB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Ponce Financial Group Cash-to-Debt Related Terms
Ponce Financial Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Ponce Financial Group's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Ponce Financial Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's Cash-to-Debt falls into.
* 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 (PDLB) has a Cash-to-Debt of 0.22 as of Jun. 2026. This is 58% below median its historical median of 0.53. Over the past decade, Ponce Financial Group's Cash-to-Debt has ranged from 0.10 to 3.91. According to the industry distribution chart, Ponce Financial Group ranks #1314 out of 1495 companies in the Banks industry, placing it in the top 87.9%.
Is Ponce Financial Group's Cash-to-Debt too high?
Ponce Financial Group's current Cash-to-Debt of 0.22 is 58% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 3.91. The Banks industry median Cash-to-Debt is 1.37. Ponce Financial Group's value of 0.22 is 83.9% below this industry median. Based on the distribution chart, Ponce Financial Group ranks #1314 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Cash-to-Debt compare to COFS and BWFG?
According to the Banks industry distribution chart, Ponce Financial Group ranks #1314 out of 1495 companies for Cash-to-Debt. This places Ponce Financial Group in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Ponce Financial Group's value of 0.22 is 83.9% below this benchmark. Historically, Ponce Financial Group's own Cash-to-Debt has ranged from 0.10 to 3.91 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 1.37, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.37, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current Cash-to-Debt of 0.22 is 83.9% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current Cash-to-Debt is 0.22, which is 58% below median its own 10-year median of 0.53. 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 $17.18, compared to a current price of $20.75 — trading 20.8% above its estimated fair value. The current Cash-to-Debt is 0.22, which is 58% below median its 10-year median of 0.53 and 83.9% below the Banks industry median of 1.37. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Cash-to-Debt is 0.22 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 20.8% above its estimated GF Value™ of $17.18.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
Cash-to-Debt: 0.22 (58% below median its 10-year median of 0.53)
GF Value™: $17.18 vs. price of $20.75 (20.8% above fair value)
Industry Position: 83.9% below the Banks median (#1314 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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