PDLB (Ponce Financial Group) Scaled Net Operating Assets: 0.29 (As of Mar. 2026)


PDLB Ponce Financial Group Inc PDLB
62 GF Score
Price $19.54
GF Value $15.65
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Ponce Financial Group Scaled Net Operating Assets?

Ponce Financial Group PDLB -0.81% 62 Scaled Net Operating Assets is 0.29 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ponce Financial Group's operating assets for the quarter that ended in Mar. 2026 was $3,096.1 Mil. Ponce Financial Group's operating liabilities for the quarter that ended in Mar. 2026 was $2,148.9 Mil. Ponce Financial Group's Total Assets for the quarter that ended in Dec. 2025 was $3,224.0 Mil. Therefore, Ponce Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.29.

PDLB
62GF Score
Ponce Financial Group Inc PDLB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ponce Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Ponce Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3097.567-2056.968)/3039.938
=0.34

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3223.97 - 126.403
=3097.567

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2682.421 - 625.453 - 0
=2056.968

Ponce Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3096.112-2148.865)/3223.97
=0.29

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3300.757 - 204.645
=3096.112

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2749.394 - 600.529 - 0
=2148.865

* 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.

What does a Scaled Net Operating Assets of 0.29 mean?
Ponce Financial Group (PDLB) has a Scaled Net Operating Assets of 0.29 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ponce Financial Group and its competitors.
Is Ponce Financial Group's Scaled Net Operating Assets too high?
Ponce Financial Group's current Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets compare to OBT and GCBC?
Ponce Financial Group's Scaled Net Operating Assets of 0.29 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Ponce Financial Group and its competitors. Ponce Financial Group's current Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets is 0.29. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Ponce Financial Group (PDLB), the current Scaled Net Operating Assets is 0.29 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 $19.54 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:

  • Scaled Net Operating Assets: 0.29
  • GF Value™: $15.65 vs. price of $19.54 (24.9% 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

Get the complete analysis for PDLB

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.54
Price
$15.65
GF Value