Ponce Financial GroupPDLB -0.81%62 OCF Yield % is 11.92 as of Jun. 26, 2026, which is 346% above its 10-year median of 2.67. 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 1,501 Banks companies, Ponce Financial Group ranks better than 61.09% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Ponce Financial Group OCF Yield % Related Terms
Ponce Financial Group OCF Yield % Historical Data
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The historical data trend for Ponce Financial Group's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's OCF Yield % 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 Yield % of 11.92 as of Jun. 26, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Ponce Financial Group and its competitors. This is 346% above median its historical median of 2.67. According to the industry distribution chart, Ponce Financial Group ranks #584 out of 1501 companies in the Banks industry, placing it in the top 38.9%.
Is Ponce Financial Group's OCF Yield % too high?
Ponce Financial Group's current OCF Yield % of 11.92 is 346% above median its 10-year median of 2.67. The Banks industry median OCF Yield % is 9.25. Ponce Financial Group's value of 11.92 is 28.9% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #584 out of 1501 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 Yield % compare to OBT and GCBC?
According to the Banks industry distribution chart, Ponce Financial Group ranks #584 out of 1501 companies for OCF Yield %. This puts Ponce Financial Group in the upper half of its industry. The industry median OCF Yield % is 9.25. Ponce Financial Group's value of 11.92 is 28.9% above this benchmark. While the company's 10-year median is 2.67 vs. the industry median of 9.25, 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 Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.25, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current OCF Yield % of 11.92 is 28.9% 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 Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median OCF Yield % is 9.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current OCF Yield % is 11.92, which is 346% above median its own 10-year median of 2.67. 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 Yield % is 11.92, which is 346% above median its 10-year median of 2.67 and 28.9% above the Banks industry median of 9.25. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current OCF Yield % is 11.92 as of Jun. 26, 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 Yield %: 11.92 (346% above median its 10-year median of 2.67)
GF Value™: $15.65 vs. price of $19.54 (24.9% above fair value)
Industry Position: 28.9% above the Banks median (#584 of 1501)
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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