Ponce Financial GroupPDLB +0.41%62 PS Ratio is 3.98 as of Jun. 26, 2026, which is 10% above its 10-year median of 3.63. 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 1,515 Banks companies, Ponce Financial Group ranks worse than 70.69% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Ponce Financial Group's share price is $19.62.
Ponce Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $4.93. Hence, Ponce Financial Group's PS Ratio for today is 3.98.
Warning Sign:
Ponce Financial Group Inc stock PS Ratio (=3.96) is close to 5-year high of 3.96.
The historical rank and industry rank for Ponce Financial Group's PS Ratio or its related term are showing as below:
PDLB'
s PS Ratio Range Over the Past 10 Years
Min: 2.22 Med: 3.63 Max: 6.69
Current: 3.97
During the past 11 years, Ponce Financial Group's highest PS Ratio was 6.69. The lowest was 2.22. And the median was 3.63.
PDLB's PS Ratio is ranked worse than 70.69% of 1515
companies
in the Banks industry
Industry Median: 2.98
vs PDLB: 3.97
During the past 12 months, the average Revenue per Share Growth Rate of Ponce Financial Group was 30.80% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 14.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 5.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 4.10% per year.
During the past 11 years, Ponce Financial Group's highest 3-Year average Revenue per Share Growth Rate was 23.70% per year. The lowest was -15.20% per year. And the median was 6.85% per year.
Back to Basics: PS Ratio
Ponce Financial Group (NAS:PDLB) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
* 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 PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Ponce Financial Group's Share Price of today is $19.62. Ponce Financial Group's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.93.
* 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.
It can also be calculated from the numbers for the whole company:
Ponce Financial Group (PDLB) has a PS Ratio of 3.98 as of Jun. 26, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Ponce Financial Group and its competitors. This is 10% above median its historical median of 3.63. Over the past decade, Ponce Financial Group's PS Ratio has ranged from 2.22 to 6.69. According to the industry distribution chart, Ponce Financial Group ranks #1071 out of 1515 companies in the Banks industry, placing it in the top 70.7%.
Is Ponce Financial Group's PS Ratio too high?
Ponce Financial Group's current PS Ratio of 3.98 is 10% above median its 10-year median of 3.63. Over the past 10 years, this metric has ranged from a low of 2.22 to a high of 6.69. The Banks industry median PS Ratio is 2.98. Ponce Financial Group's value of 3.98 is 33.6% above this industry median. Based on the distribution chart, Ponce Financial Group ranks #1071 out of 1515 companies in the Banks industry, which is below 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 PS Ratio compare to OBT and GCBC?
According to the Banks industry distribution chart, Ponce Financial Group ranks #1071 out of 1515 companies for PS Ratio. This places Ponce Financial Group in the lower half of its industry. The industry median PS Ratio is 2.98. Ponce Financial Group's value of 3.98 is 33.6% above this benchmark. Historically, Ponce Financial Group's own PS Ratio has ranged from 2.22 to 6.69 over the past decade. While the company's 10-year median is 3.63 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ponce Financial Group's current PS Ratio of 3.98 is 33.6% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Ponce Financial Group and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ponce Financial Group's current PS Ratio is 3.98, which is 10% above median its own 10-year median of 3.63. 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 $19.62 — trading 25.4% above its estimated fair value. The current PS Ratio is 3.98, which is 10% above median its 10-year median of 3.63 and 33.6% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current PS Ratio is 3.98 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 $19.62 is trading 25.4% above its estimated GF Value™ of $15.65.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
PS Ratio: 3.98 (10% above median its 10-year median of 3.63)
GF Value™: $15.65 vs. price of $19.62 (25.4% above fair value)
Industry Position: 33.6% above the Banks median (#1071 of 1515)
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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