Ponce Financial GroupPDLB -0.81%62 OCF Margin % is 46.04% as of Mar. 2026, which is 222% above its 10-year median of 14.30. 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 1,500 Banks companies, Ponce Financial Group ranks better than 73% on this metric.
The historical rank and industry rank for Ponce Financial Group's OCF Margin % or its related term are showing as below:
PDLB'
s OCF Margin % Range Over the Past 10 Years
Min: -55.45 Med: 14.3 Max: 51.32
Current: 49.34
During the past 11 years, the highest OCF Margin % of Ponce Financial Group was 51.32%. The lowest was -55.45%. And the median was 14.30%.
PDLB's OCF Margin % is ranked better than 73% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs PDLB: 49.34
Ponce Financial Group OCF Margin % Related Terms
Ponce Financial Group OCF Margin % Historical Data
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The historical data trend for Ponce Financial Group's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's OCF 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 OCF Margin % of 46.04% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Ponce Financial Group and its competitors. This is 222% above median its historical median of 14.30. According to the industry distribution chart, Ponce Financial Group ranks #405 out of 1500 companies in the Banks industry, placing it in the top 27%.
Is Ponce Financial Group's OCF Margin % too high?
Ponce Financial Group's current OCF Margin % of 46.04% is 222% above median its 10-year median of 14.30. The Banks industry median OCF Margin % is 29.44. Ponce Financial Group's value of 46.04% is 56.4% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #405 out of 1500 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 OCF Margin % compare to OBT and GCBC?
According to the Banks industry distribution chart, Ponce Financial Group ranks #405 out of 1500 companies for OCF Margin %. This puts Ponce Financial Group in the upper half of its industry. The industry median OCF Margin % is 29.44. Ponce Financial Group's value of 46.04% is 56.4% above this benchmark. While the company's 10-year median is 14.30 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current OCF Margin % of 46.04% is 56.4% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current OCF Margin % is 46.04%, which is 222% above median its own 10-year median of 14.30. 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 OCF Margin % is 46.04%, which is 222% above median its 10-year median of 14.30 and 56.4% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current OCF Margin % is 46.04% 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:
OCF Margin %: 46.04% (222% above median its 10-year median of 14.30)
GF Value™: $15.65 vs. price of $19.54 (24.9% above fair value)
Industry Position: 56.4% above the Banks median (#405 of 1500)
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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