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Ponce Financial GroupPDLB -0.10%61 3-Year FCF Growth Rate is 79.40% as of Jun. 2026, which is 288% above its 10-year median of 20.45. GuruFocus rates PDLB with a GF Score™ of 61/100 and a GF Value™ of $16.58 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,043 Banks companies, Ponce Financial Group ranks better than 94.63% on this metric.
During the past 12 months, Ponce Financial Group's average Free Cash Flow per Share Growth Rate was 116.30% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 79.40% 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 Free Cash Flow per Share growth rate.
During the past 11 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Ponce Financial Group was 93.10% per year. The lowest was -46.30% per year. And the median was 20.45% per year.
Ponce Financial Group (NAS:PDLB) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Ponce Financial Group 3-Year FCF Growth Rate Related Terms
PDLB vs FFMR, BSVN, COFS: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, Ponce Financial Group's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's 3-Year FCF Growth Rate falls into.
Ponce Financial Group 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 79.40% mean?
Ponce Financial Group (PDLB) has a 3-Year FCF Growth Rate of 79.40% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Ponce Financial Group and its competitors. This is 288% above median its historical median of 20.45. According to the industry distribution chart, Ponce Financial Group ranks #56 out of 1043 companies in the Banks industry, placing it in the top 5.4%.
Is Ponce Financial Group's 3-Year FCF Growth Rate too high?
Ponce Financial Group's current 3-Year FCF Growth Rate of 79.40% is 288% above median its 10-year median of 20.45. The Banks industry median 3-Year FCF Growth Rate is 0.40. Ponce Financial Group's value of 79.40% is 19750% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #56 out of 1043 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 3-Year FCF Growth Rate compare to FFMR and BSVN?
According to the Banks industry distribution chart, Ponce Financial Group ranks #56 out of 1043 companies for 3-Year FCF Growth Rate. This places Ponce Financial Group in the top 5% of its industry — outperforming the majority of peers. The industry median 3-Year FCF Growth Rate is 0.40. Ponce Financial Group's value of 79.40% is 19750% above this benchmark. While the company's 10-year median is 20.45 vs. the industry median of 0.40, Ponce Financial Group has consistently been above 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.40, based on 1,043 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 79.40% is 19750% above 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Ponce Financial Group and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current 3-Year FCF Growth Rate is 79.40%, which is 288% above median its own 10-year median of 20.45. 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 $16.58, compared to a current price of $20.52 — trading 23.8% above its estimated fair value. The current 3-Year FCF Growth Rate is 79.40%, which is 288% above median its 10-year median of 20.45 and 19750% above the Banks industry median of 0.40. 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 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current 3-Year FCF Growth Rate is 79.40% 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 $20.52 is trading 23.8% above its estimated GF Value™ of $16.58.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
3-Year FCF Growth Rate: 79.40% (288% above median its 10-year median of 20.45)
GF Value™: $16.58 vs. price of $20.52 (23.8% above fair value)
Industry Position: 19750% above the Banks median (#56 of 1043)
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.
61GF Score
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