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Ponce Financial GroupPDLB -1.46%61 Equity-to-Asset is 0.17 as of Mar. 2026, which is at its 10-year median of 0.17. GuruFocus rates PDLB with a GF Score™ of 61/100 and a GF Value™ of $15.43 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Ponce Financial Group ranks better than 90.58% on this metric.
The historical rank and industry rank for Ponce Financial Group's Equity-to-Asset or its related term are showing as below:
PDLB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.11 Med: 0.17 Max: 0.25
Current: 0.17
During the past 11 years, the highest Equity to Asset Ratio of Ponce Financial Group was 0.25. The lowest was 0.11. And the median was 0.17.
PDLB's Equity-to-Asset is ranked better than 90.58% of 1528
companies
in the Banks industry
Industry Median: 0.1
vs PDLB: 0.17
Ponce Financial Group (NAS:PDLB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Ponce Financial Group Equity-to-Asset Related Terms
Ponce Financial Group Equity-to-Asset Historical Data
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The historical data trend for Ponce Financial Group's Equity-to-Asset 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.
PDLB vs FFMR, BWFG, BSVN: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Ponce Financial Group's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Ponce Financial Group's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.17 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ponce Financial Group and its competitors. This is near median its historical median of 0.17. Over the past decade, Ponce Financial Group's Equity-to-Asset has ranged from 0.11 to 0.25. According to the industry distribution chart, Ponce Financial Group ranks #144 out of 1528 companies in the Banks industry, placing it in the top 9.4%.
Is Ponce Financial Group's Equity-to-Asset too high?
Ponce Financial Group's current Equity-to-Asset of 0.17 is near median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 0.25. The Banks industry median Equity-to-Asset is 0.10. Ponce Financial Group's value of 0.17 is 70% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #144 out of 1528 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ponce Financial Group's Equity-to-Asset compare to FFMR and BWFG?
According to the Banks industry distribution chart, Ponce Financial Group ranks #144 out of 1528 companies for Equity-to-Asset. This places Ponce Financial Group in the top 9% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Ponce Financial Group's value of 0.17 is 70% above this benchmark. Historically, Ponce Financial Group's own Equity-to-Asset has ranged from 0.11 to 0.25 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current Equity-to-Asset of 0.17 is 70% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current Equity-to-Asset is 0.17, which is near median its own 10-year median of 0.17. 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 Significantly Overvalued. The stock's GF Value™ is $15.43, compared to a current price of $20.25 — trading 31.2% above its estimated fair value. The current Equity-to-Asset is 0.17, which is near median its 10-year median of 0.17 and 70% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Equity-to-Asset is 0.17 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 $20.25 is trading 31.2% above its estimated GF Value™ of $15.43.
GuruFocus considers Ponce Financial Group to be Significantly Overvalued.
Key valuation signals for PDLB:
Equity-to-Asset: 0.17 (near median its 10-year median of 0.17)
GF Value™: $15.43 vs. price of $20.25 (31.2% above fair value)
Industry Position: 70% above the Banks median (#144 of 1528)
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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