Saturday 17 October 2026
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Ponce Financial Group, Inc.
PDLB Financial Banks Regional
Ponce Financial Group, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $194.9 million, up 14.8% from fiscal 2024. In the quarter to June 2026, revenue grew 11.0%, EPS grew 38.5%, free cash flow grew 35.8% and total debt rose 15.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
20.13
0.05
−0.25%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
8 | 6 | 6 | 3 | 7 | 6 | 5 | 5 | 6 | — |
P/E ratio |
13.51 | 27.66 | 63.12 | 0.00 | 6.84 | 31.38 | 0.00 | 60.87 | 0.00 | 186.25 |
P/S ratio |
1.91 | 1.72 | 1.59 | 2.42 | 1.71 | 1.89 | 3.46 | 3.31 | 0.00 | 0.00 |
P/FCF ratio |
6.81 | 64.90 | 35.53 | 23.19 | 3.35 | 0.00 | 149.38 | 76.54 | 0.00 | 0.00 |
P/Operating CF |
10.64 | 12.75 | (252.43) | (48.70) | (18.36) | (5.05) | 7,988.54 | 142.10 | 0.00 | 0.00 |
P/B ratio |
1.17 | 1.04 | 0.81 | 0.81 | 0.92 | 0.79 | 1.16 | 0.96 | 0.00 | 0.00 |
Price to Tangible BV |
1.17 | 1.04 | 0.81 | 0.81 | 0.92 | 0.79 | 1.16 | 0.96 | 0.00 | 0.00 |
EV/Sales |
4.32 | 4.40 | 5.59 | 7.61 | 1.24 | 2.56 | 4.90 | 3.30 | (0.55) | (1.03) |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
15.14 | 103.70 | 117.25 | 69.27 | 6.81 | (6.21) | 51.62 | 20.57 | (2.70) | (5.87) |
EV/FCF |
15.41 | 166.42 | 125.17 | 72.93 | 2.43 | (6.92) | 211.76 | 76.36 | (3.97) | (6.80) |
Quick Ratio |
0.06 | 0.07 | 0.09 | 0.04 | 0.13 | 0.07 | 0.04 | 0.09 | 0.08 | 0.02 |
Current Ratio |
1.34 | 1.29 | 1.36 | 1.25 | 1.22 | 1.21 | 1.26 | 1.23 | 1.21 | 1.02 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
18.49% | 19.61% | 24.88% | 22.38% | 6.43% | 8.65% | 9.91% | 6.55% | 3.93% | 0.40% |
Debt/Equity |
1.10 | 1.18 | 1.39 | 1.05 | 0.56 | 0.73 | 0.66 | 0.41 | 0.22 | 0.03 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.05 | 0.07 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
2.02 | 0.70 | 1.94 | (0.33) | 0.73 | (7.14) | (0.98) | 2.95 | (1.97) | 3.05 |
Capex/Depreciation |
(0.21) | (0.59) | (0.09) | (0.11) | 12.90 | 1.12 | (1.69) | (3.19) | (1.65) | (0.29) |
| 9.24% | 3.78% | 1.26% | (13.13%) | 14.57% | 2.42% | (3.13%) | 1.60% | (3.40%) | 1.55% | |
| 0.88% | 0.36% | 0.13% | (1.51%) | 1.69% | 0.32% | (0.48%) | 0.27% | (0.53%) | 0.20% | |
ROIC |
2.37% | 1.02% | 0.35% | (2.41%) | 14.84% | 1.60% | (1.61%) | 1.41% | (1.31%) | 1.80% |
Return on Tangible Assets |
3.87% | 1.80% | 0.60% | (9.14%) | 8.86% | 1.54% | (2.14%) | 1.25% | (2.51%) | 3.42% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
36.32% | 40.04% | 51.17% | 123.21% | 58.84% | 75.06% | 88.14% | 72.93% | 90.92% | 76.87% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Share Based Compensation of Revenue |
2.13% | 2.09% | 2.22% | 3.30% | 2.75% | 2.92% | 3.80% | 1.45% | 1.75% | 0.00% |
Graham Net Nets |
0.17 | (0.27) | (0.91) | (1.18) | 0.13 | 0.65 | 0.51 | 0.62 | 0.00 | 0.00 |
Graham Number |
19.46 | 11.50 | 6.30 | 0.00 | 19.66 | 7.19 | 0.00 | 5.66 | 0.00 | 0.00 |
Earnings Yield |
7.40% | 3.62% | 1.58% | (13.88%) | 14.63% | 3.19% | (2.85%) | 1.64% | (1.06%) | 0.54% |
Free Cash Flow Yield |
14.69% | 1.54% | 2.81% | 4.31% | 29.89% | (19.64%) | 0.67% | 1.31% | 0.00% | 0.00% |
Revenue per Share |
8.57 | 7.57 | 5.98 | 3.93 | 6.08 | 3.99 | 3.05 | 2.76 | 2.37 | 1.40 |
Operating CF per Share |
2.44 | 0.32 | 0.29 | 0.43 | 1.11 | (1.65) | 0.29 | 0.44 | 0.49 | 0.17 |
Capex per Share |
(0.04) | (0.12) | (0.02) | (0.02) | 2.00 | 0.17 | (0.22) | (0.32) | (0.16) | (0.02) |
Free Cash Flow per Share |
2.40 | 0.20 | 0.27 | 0.41 | 3.11 | (1.48) | 0.07 | 0.12 | 0.33 | 0.15 |
Cash per Share |
5.55 | 6.23 | 6.12 | 2.40 | 9.19 | 4.32 | 1.59 | 3.92 | 3.37 | 0.45 |
Shareholders Equity per Share |
23.81 | 22.53 | 21.60 | 21.71 | 11.30 | 9.57 | 9.09 | 9.50 | 9.29 | 3.61 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
23.81 | 22.53 | 21.60 | 21.71 | 11.30 | 9.57 | 9.09 | 9.50 | 9.29 | 3.61 |
Free Cash Flow |
54.62 | 4.49 | 6.08 | 9.31 | 52.00 | (24.66) | 1.23 | 2.12 | 5.88 | 3.81 |
Working Capital |
696.28 | 556.02 | 543.48 | 310.71 | 267.14 | 217.92 | 206.29 | 182.26 | 147.74 | 15.61 |
Capital Expenditures |
(0.98) | (2.72) | (0.41) | (0.49) | 33.45 | 2.84 | (3.82) | (5.76) | (2.77) | (0.53) |
Net Current Asset Value |
64.28 | (79.49) | (196.26) | (254.77) | 22.92 | 81.83 | 93.07 | 101.35 | 101.03 | 6.72 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.01 | 0.02 | 0.00 | 0.01 | (0.33) | (0.04) | 0.07 | 0.12 | 0.07 | 0.01 |
Price to Operating Income |
9.68 | 18.59 | 29.50 | 0.00 | 5.17 | 23.98 | 0.00 | 44.37 | 0.00 | 0.00 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.30 | 0.27 | 0.27 | 0.26 | 0.13 | 0.08 | 0.07 | 0.06 | 0.06 | 0.07 |
Cash ROIC |
4.32% | 0.36% | 0.46% | 0.87% | 11.57% | (7.07%) | 0.42% | 0.69% | 2.25% | 3.54% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.04 | 0.05 | 0.04 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 | 0.01 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
8,715.28 | 8,028.98 | 9,080.40 | 28,307.04 | 53,286.64 | 33,054.48 | 23,098.05 | 31,144.54 | 38,420.25 | 39,542.36 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,970.92 | 1,701.42 | 1,380.02 | 1,228.56 | 1,117.15 | 905.81 | 795.90 | 761.87 | 678.53 | 621.29 |
Average Assets |
3,131.95 | 2,895.33 | 2,531.36 | 1,982.75 | 1,504.37 | 1,204.49 | 1,056.83 | 992.71 | 835.25 | 724.07 |
Average Common Equity |
298.52 | 273.45 | 267.05 | 228.48 | 174.40 | 158.97 | 163.79 | 166.98 | 128.89 | 92.03 |
Columns are period end dates