PDLB (Ponce Financial Group) LT-Debt-to-Total-Asset: 0.18 (As of Mar. 2026)

What is Ponce Financial Group LT-Debt-to-Total-Asset?

Ponce Financial Group PDLB -0.81% 62 LT-Debt-to-Total-Asset is 0.18 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Ponce Financial Group's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.18.

Ponce Financial Group's long-term debt to total assets ratio increased from Mar. 2025 (0.18) to Mar. 2026 (0.18). It may suggest that Ponce Financial Group is progressively becoming more dependent on debt to grow their business.

Ponce Financial Group (NAS:PDLB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Ponce Financial Group LT-Debt-to-Total-Asset Related Terms

Ponce Financial Group LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Ponce Financial Group's LT-Debt-to-Total-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.

Ponce Financial Group LT-Debt-to-Total-Asset Chart

Ponce Financial Group Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.24

0.26

0.21

0.19

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.18	0.18	0.18	0.19	0.18

62GF Score

Ponce Financial Group Inc PDLB

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Ponce Financial Group LT-Debt-to-Total-Asset Calculation

Ponce Financial Group's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	625.453	/	3223.97
	=	0.19

Ponce Financial Group's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	600.529	/	3300.757
	=	0.18

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.18 mean?

Ponce Financial Group (PDLB) has a LT-Debt-to-Total-Asset of 0.18 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ponce Financial Group and its competitors.

Is Ponce Financial Group's LT-Debt-to-Total-Asset too high?

Ponce Financial Group's current LT-Debt-to-Total-Asset is 0.18. 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 LT-Debt-to-Total-Asset compare to OBT and GCBC?

Ponce Financial Group's LT-Debt-to-Total-Asset of 0.18 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Ponce Financial Group and its competitors. Ponce Financial Group's current LT-Debt-to-Total-Asset is 0.18. 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 $19.54 — trading 24.9% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.18. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current LT-Debt-to-Total-Asset is 0.18 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 $19.54 is trading 24.9% above its estimated GF Value™ of $15.65. GuruFocus considers Ponce Financial Group to be Modestly Overvalued.

Key valuation signals for PDLB:

LT-Debt-to-Total-Asset: 0.18
GF Value™: $15.65 vs. price of $19.54 (24.9% 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

Industry Financial Services Banks

Comparable Companies OBT GCBC COFS FFMR FBIZ GBFH DBIN BSVN CBAN BMRC SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 2244 Westchester Avenue, Bronx, NY, USA, 10462

Website https://www.poncebank.com

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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$19.54

Price

$15.65

GF Value

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