PDLB (Ponce Financial Group) Long-Term Debt: $571.1 Mil (As of Mar. 2026)


PDLB Ponce Financial Group Inc PDLB
62 GF Score
Price $19.75
GF Value $15.65
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ponce Financial Group Long-Term Debt?

Ponce Financial Group PDLB +1.07% 62 Long-Term Debt is $571.1 Mil as of Mar. 2026. GuruFocus rates PDLB with a GF Score™ of 62/100 and a GF Value™ of $15.65 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Ponce Financial Group's Long-Term Debt for the quarter that ended in Mar. 2026 was $571.1 Mil.

Ponce Financial Group's quarterly Long-Term Debt increased from Sep. 2025 ($521.1 Mil) to Dec. 2025 ($596.1 Mil) but then declined from Dec. 2025 ($596.1 Mil) to Mar. 2026 ($571.1 Mil).

Ponce Financial Group's annual Long-Term Debt declined from Dec. 2023 ($684.4 Mil) to Dec. 2024 ($596.1 Mil) but then stayed the same from Dec. 2024 ($596.1 Mil) to Dec. 2025 ($596.1 Mil).

Ponce Financial Group  (NAS:PDLB) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Ponce Financial Group Long-Term Debt Related Terms

Ponce Financial Group Long-Term Debt Historical Data

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The historical data trend for Ponce Financial Group's Long-Term 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.

Ponce Financial Group Long-Term Debt Chart

Ponce Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 106.26 517.38 684.42 596.10 596.10

Ponce Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 521.10 521.10 521.10 596.10 571.10
PDLB
62GF Score
Ponce Financial Group Inc PDLB
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $571.1 Mil mean?
Ponce Financial Group (PDLB) has a Long-Term Debt of $571.1 Mil as of Mar. 2026.
Is Ponce Financial Group's Long-Term Debt too high?
Ponce Financial Group's current Long-Term Debt is $571.1 Mil. 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 Long-Term Debt compare to OBT and GCBC?
Ponce Financial Group's Long-Term Debt of $571.1 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Banks company?
A good Long-Term Debt depends on the Banks industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Ponce Financial Group's current Long-Term Debt is $571.1 Mil. 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 $15.65, compared to a current price of $19.75 — trading 26.2% above its estimated fair value. The current Long-Term Debt is $571.1 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Long-Term Debt is $571.1 Mil 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 $19.75 is trading 26.2% above its estimated GF Value™ of $15.65. GuruFocus considers Ponce Financial Group to be Modestly Overvalued.

Key valuation signals for PDLB:

  • Long-Term Debt: $571.1 Mil
  • GF Value™: $15.65 vs. price of $19.75 (26.2% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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 Business Description

Address 2244 Westchester Avenue, Bronx, NY, USA, 10462
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.75
Price
$15.65
GF Value