PDLB (Ponce Financial Group) GF Value Rank: 5 (As of Jul. 02, 2026) — Near Median


PDLB Ponce Financial Group Inc PDLB
62 GF Score
Price $20.19
GF Value $15.59
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ponce Financial Group GF Value Rank?

Ponce Financial Group PDLB -1.37% 62 GF Value Rank is 5 as of Jul. 02, 2026, which is at its 10-year median of 5.00. GuruFocus rates PDLB with a GF Score™ of 62/100 and a GF Value™ of $15.59 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Ponce Financial Group has the GF Value Rank of 5.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Ponce Financial Group GF Value Rank Related Terms

PDLB vs FFMR, BWFG, BSVN: GF Value Rank Comparison

For the Banks - Regional subindustry, Ponce Financial Group's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Ponce Financial Group's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Ponce Financial Group's GF Value Rank falls into.


PDLB
62GF Score
Ponce Financial Group Inc PDLB
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 5 mean?
Ponce Financial Group (PDLB) has a GF Value Rank of 5 as of Jul. 02, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Ponce Financial Group and its competitors. This is near median its historical median of 5.00. Over the past decade, Ponce Financial Group's GF Value Rank has ranged from 2.00 to 10.00.
Is Ponce Financial Group's GF Value Rank too high?
Ponce Financial Group's current GF Value Rank of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. 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 GF Value Rank compare to FFMR and BWFG?
Ponce Financial Group's GF Value Rank of 5 can be compared against companies in the Banks industry. Historically, Ponce Financial Group's own GF Value Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Ponce Financial Group and its competitors. Ponce Financial Group's current GF Value Rank is 5, which is near median its own 10-year median of 5.00. 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 $15.59, compared to a current price of $20.19 — trading 29.5% above its estimated fair value. The current GF Value Rank is 5, which is near median its 10-year median of 5.00. 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 GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current GF Value Rank is 5 as of Jul. 02, 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 $20.19 is trading 29.5% above its estimated GF Value™ of $15.59. GuruFocus considers Ponce Financial Group to be Modestly Overvalued.

Key valuation signals for PDLB:

  • GF Value Rank: 5 (near median its 10-year median of 5.00)
  • GF Value™: $15.59 vs. price of $20.19 (29.5% 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

Address 2244 Westchester Avenue, Bronx, NY, USA, 10462
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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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$20.19
Price
$15.59
GF Value