Ponce Financial GroupPDLB +0.30%62 EV-to-FCF is 21.54 as of Jul. 06, 2026, which is 49% below its 10-year median of 41.90. GuruFocus rates PDLB with a GF Score™ of 62/100 and a GF Value™ of $15.55 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,196 Banks companies, Ponce Financial Group ranks worse than 83.53% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Ponce Financial Group's Enterprise Value is $1,195.9 Mil.
Ponce Financial Group's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $55.5 Mil. Therefore, Ponce Financial Group's EV-to-FCF for today is 21.54.
The historical rank and industry rank for Ponce Financial Group's EV-to-FCF or its related term are showing as below:
PDLB'
s EV-to-FCF Range Over the Past 10 Years
Min: -7029.79 Med: 41.9 Max: 792.56
Current: 21.54
During the past 11 years, the highest EV-to-FCF of Ponce Financial Group was 792.56. The lowest was -7029.79. And the median was 41.90.
PDLB's EV-to-FCF is ranked worse than 83.53% of 1196
companies
in the Banks industry
Industry Median: 6.565
vs PDLB: 21.54
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ponce Financial Group (NAS:PDLB) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Ponce Financial Group's PE Ratio (TTM) for today is calculated as:
Ponce Financial Group's share price for today is $20.17.
Ponce Financial Group's 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 $1.300.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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.
For the Banks - Regional subindustry, Ponce Financial Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's EV-to-FCF falls into.
Ponce Financial Group's current Enterprise Value is $1,195.9 Mil.
Ponce Financial Group's Free Cash Flow 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 $55.5 Mil.
* 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 EV-to-FCF of 21.54 as of Jul. 06, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ponce Financial Group and its competitors. This is 49% below median its historical median of 41.90. According to the industry distribution chart, Ponce Financial Group ranks #999 out of 1196 companies in the Banks industry, placing it in the top 83.5%.
Is Ponce Financial Group's EV-to-FCF too high?
Ponce Financial Group's current EV-to-FCF of 21.54 is 49% below median its 10-year median of 41.90. The Banks industry median EV-to-FCF is 6.57. Ponce Financial Group's value of 21.54 is 228.1% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #999 out of 1196 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 EV-to-FCF compare to FFMR and BWFG?
According to the Banks industry distribution chart, Ponce Financial Group ranks #999 out of 1196 companies for EV-to-FCF. This places Ponce Financial Group in the lower half of its industry. The industry median EV-to-FCF is 6.57. Ponce Financial Group's value of 21.54 is 228.1% above this benchmark. While the company's 10-year median is 41.90 vs. the industry median of 6.57, 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,196 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current EV-to-FCF of 21.54 is 228.1% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current EV-to-FCF is 21.54, which is 49% below median its own 10-year median of 41.90. 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 $15.55, compared to a current price of $20.17 — trading 29.7% above its estimated fair value. The current EV-to-FCF is 21.54, which is 49% below median its 10-year median of 41.90 and 228.1% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current EV-to-FCF is 21.54 as of Jul. 06, 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 $20.17 is trading 29.7% above its estimated GF Value™ of $15.55.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
EV-to-FCF: 21.54 (49% below median its 10-year median of 41.90)
GF Value™: $15.55 vs. price of $20.17 (29.7% above fair value)
Industry Position: 228.1% above the Banks median (#999 of 1196)
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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