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During the past 11 years, Ponce Financial Group's highest 3-Year average EPS without NRI Growth Rate was 58.50% per year. The lowest was -20.90% per year. And the median was -0.85% per year.
Ponce Financial Group (NAS:PDLB) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Ponce Financial Group Earnings per Share (Diluted) Related Terms
Ponce Financial Group Earnings per Share (Diluted) Historical Data
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The historical data trend for Ponce Financial Group's Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
PDLB vs FFMR, BWFG, BSVN: Earnings per Share (Diluted) Comparison
For the Banks - Regional subindustry, Ponce Financial Group's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's PE Ratio distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's PE Ratio falls into.
Ponce Financial Group Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Ponce Financial Group's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.30
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $1.30 mean?
Ponce Financial Group (PDLB) has a Earnings per Share (Diluted) of $1.30 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Ponce Financial Group and its competitors. According to the industry distribution chart, Ponce Financial Group ranks #999999 out of 1410 companies in the Banks industry.
Is Ponce Financial Group's Earnings per Share (Diluted) too high?
Ponce Financial Group's current Earnings per Share (Diluted) is $1.30. The Banks industry median Earnings per Share (Diluted) is 7.30. Ponce Financial Group's value of $1.30 is 82.2% below this industry median. Based on the distribution chart, Ponce Financial Group ranks #999999 out of 1410 companies in the Banks industry, which is in the bottom quartile 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 Earnings per Share (Diluted) compare to FFMR and BWFG?
According to the Banks industry distribution chart, Ponce Financial Group ranks #999999 out of 1410 companies for Earnings per Share (Diluted). This places Ponce Financial Group in the lower half of its industry. The industry median Earnings per Share (Diluted) is 7.30. Ponce Financial Group's value of $1.30 is 82.2% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Banks company?
The median Earnings per Share (Diluted) among Banks companies is 7.30, based on 1,410 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current Earnings per Share (Diluted) of $1.30 is 82.2% 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median Earnings per Share (Diluted) is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current Earnings per Share (Diluted) is $1.30. 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 $15.41, compared to a current price of $20.04 — trading 30% above its estimated fair value. The current Earnings per Share (Diluted) is $1.30 and 82.2% below the Banks industry median of 7.30. 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 Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Earnings per Share (Diluted) is $1.30 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 $20.04 is trading 30% above its estimated GF Value™ of $15.41.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
Earnings per Share (Diluted): $1.30
GF Value™: $15.41 vs. price of $20.04 (30% above fair value)
Industry Position: 82.2% below the Banks median (#999999 of 1410)
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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