Ponce Financial Group has the Profitability Rank of 4.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Ponce Financial Group Profitability Rank Related Terms
PDLB vs FFMR, BWFG, BSVN: Profitability Rank Comparison
For the Banks - Regional subindustry, Ponce Financial Group's Profitability Rank, along with its competitors' market caps and Profitability 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 Profitability Rank vs Banks Industry
For the Banks industry and Financial Services sector, Ponce Financial Group's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Ponce Financial Group's Profitability Rank falls into.
Ponce Financial Group Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Ponce Financial Group has the Profitability Rank of 4.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Profitability Rank of 4 as of Mar. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Ponce Financial Group and its competitors. This is 33% above median its historical median of 3.00. Over the past decade, Ponce Financial Group's Profitability Rank has ranged from 1.00 to 4.00.
Is Ponce Financial Group's Profitability Rank too high?
Ponce Financial Group's current Profitability Rank of 4 is 33% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 4.00. Overall, Ponce Financial Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ponce Financial Group's Profitability Rank compare to FFMR and BWFG?
Ponce Financial Group's Profitability Rank of 4 can be compared against companies in the Banks industry. Historically, Ponce Financial Group's own Profitability Rank has ranged from 1.00 to 4.00 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 Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Ponce Financial Group and its competitors. Ponce Financial Group's current Profitability Rank is 4, which is 33% above median its own 10-year median of 3.00. 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 $15.51, compared to a current price of $19.90 — trading 28.3% above its estimated fair value. The current Profitability Rank is 4, which is 33% above median its 10-year median of 3.00. Ponce Financial Group's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Profitability Rank is 4 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 $19.90 is trading 28.3% above its estimated GF Value™ of $15.51.
GuruFocus considers Ponce Financial Group to be Modestly Overvalued.
Key valuation signals for PDLB:
Profitability Rank: 4 (33% above median its 10-year median of 3.00)
GF Value™: $15.51 vs. price of $19.90 (28.3% above fair value)
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.
61GF Score
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