PDLB (Ponce Financial Group) 1-Year Sharpe Ratio: 2.08 (As of Jul. 09, 2026)


PDLB Ponce Financial Group Inc PDLB
61 GF Score
Price $19.58
GF Value $15.54
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Ponce Financial Group 1-Year Sharpe Ratio?

Ponce Financial Group PDLB -2.44% 61 1-Year Sharpe Ratio is 2.08 as of Jul. 09, 2026. GuruFocus rates PDLB with a GF Score™ of 61/100 and a GF Value™ of $15.54 (Modestly Overvalued). The stock has 5 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-09), Ponce Financial Group's 1-Year Sharpe Ratio is 2.08.

Ponce Financial Group  (NAS:PDLB) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Ponce Financial Group 1-Year Sharpe Ratio Related Terms

PDLB vs FFMR, BWFG, BSVN: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Ponce Financial Group's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Ponce Financial Group's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Ponce Financial Group's 1-Year Sharpe Ratio falls into.


PDLB
61GF Score
Ponce Financial Group Inc PDLB
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Ponce Financial Group 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 2.08 mean?
Ponce Financial Group (PDLB) has a 1-Year Sharpe Ratio of 2.08 as of Jul. 09, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Ponce Financial Group and its competitors.
Is Ponce Financial Group's 1-Year Sharpe Ratio too high?
Ponce Financial Group's current 1-Year Sharpe Ratio is 2.08. 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 1-Year Sharpe Ratio compare to FFMR and BWFG?
Ponce Financial Group's 1-Year Sharpe Ratio of 2.08 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Ponce Financial Group and its competitors. Ponce Financial Group's current 1-Year Sharpe Ratio is 2.08. 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 $15.54, compared to a current price of $19.58 — trading 26% above its estimated fair value. The current 1-Year Sharpe Ratio is 2.08. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current 1-Year Sharpe Ratio is 2.08 as of Jul. 09, 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 $19.58 is trading 26% above its estimated GF Value™ of $15.54. GuruFocus considers Ponce Financial Group to be Modestly Overvalued.

Key valuation signals for PDLB:

  • 1-Year Sharpe Ratio: 2.08
  • GF Value™: $15.54 vs. price of $19.58 (26% above fair value)
  • GF Score™: 61/100 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.
61GF Score

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1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.58
Price
$15.54
GF Value