Ponce Financial GroupPDLB -0.81%62 Net Margin % is 28.60% as of Mar. 2026, which is 386% above its 10-year median of 5.88. 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. Among 1,526 Banks companies, Ponce Financial Group ranks better than 52.49% on this metric.
The historical rank and industry rank for Ponce Financial Group's Net Margin % or its related term are showing as below:
PDLB'
s Net Margin % Range Over the Past 10 Years
Min: -42.27 Med: 5.88 Max: 36.66
Current: 27.45
PDLB's Net Margin % is ranked better than 52.49% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PDLB: 27.45
Ponce Financial Group (NAS:PDLB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Ponce Financial Group Net Margin % Related Terms
Ponce Financial Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Ponce Financial Group's Net Margin % 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.
For the Banks - Regional subindustry, Ponce Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's Net Margin % falls into.
* 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 Net Margin % of 28.60% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ponce Financial Group and its competitors. This is 386% above median its historical median of 5.88. According to the industry distribution chart, Ponce Financial Group ranks #725 out of 1526 companies in the Banks industry, placing it in the top 47.5%.
Is Ponce Financial Group's Net Margin % too high?
Ponce Financial Group's current Net Margin % of 28.60% is 386% above median its 10-year median of 5.88. The Banks industry median Net Margin % is 26.97. Ponce Financial Group's value of 28.60% is 6% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #725 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to OBT and GCBC?
According to the Banks industry distribution chart, Ponce Financial Group ranks #725 out of 1526 companies for Net Margin %. This puts Ponce Financial Group in the upper half of its industry. The industry median Net Margin % is 26.97. Ponce Financial Group's value of 28.60% is 6% above this benchmark. While the company's 10-year median is 5.88 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current Net Margin % of 28.60% is 6% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current Net Margin % is 28.60%, which is 386% above median its own 10-year median of 5.88. 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 Net Margin % is 28.60%, which is 386% above median its 10-year median of 5.88 and 6% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Net Margin % is 28.60% 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:
Net Margin %: 28.60% (386% above median its 10-year median of 5.88)
GF Value™: $15.65 vs. price of $19.54 (24.9% above fair value)
Industry Position: 6% above the Banks median (#725 of 1526)
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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