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Employees: 216
Size Ponce Financial (PDLB) is a United States Financials company (Savings Banks) with a market value of $525M, the 2657th largest of 3,117 United States companies the cockpit tracks. Shares closed at $21.70 on 6 Nov 2026.
Performance Over six months the shares gained 21.6%, against +4.5% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd highest of 17 in its peer set.
Growth Revenue grew 14.6% over the last twelve months (peer median +5.1%); the operating margin is 37.9% (peer median 44.2%).
Valuation It trades at 1.49× book value against a peer median of 1.09× (4th most expensive of 17).
Price implies The share price implies a return on equity of about 9.7%; Ponce Financial delivers 8.2%, so the price asks more than the business earns today.
Short interest Short interest is 2.5% of the free float (15 Oct 2026).
Next results Next results expected around 2 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $214M | $194M | $170M | $133M | $71.7M |
| Revenue growth | — | +14% | +27% | +86% | — |
| Net income | $45.5M | $28.7M | $11.0M | $3.35M | -$30.0M |
| Free cash flow | n/a | $42.0M | $4.20M | $13.5M | -$4.55M |
| Capital expenditure | n/a | $978,000 | $2.72M | $411,000 | $492,000 |
| Total debt | $724M | $625M | $627M | $717M | $552M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PDLB | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +7.5% | +1.7% | 3rd highest of 18 |
| 6-month return | +21.6% | +4.5% | 2nd highest of 17 |
| Return on equity | 8.2% | 10.8% | 6th lowest of 17 |
| Price / book | 1.49× | 1.09× | 4th most expensive of 17 |
| Trailing P/E | 11.5× | 12.2× | 7th cheapest of 17 |
| ROE the price implies | 9.7% | 8.1% | 6th most demanding of 17 |
| ROE delivered | 8.2% | 10.8% | 6th lowest of 17 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Ponce Financial PDLB | United States | $525M | +22% | +15% | 8% | 1.49× | 9.7% | 8.2% |
| SpareBank 1 Helgeland HELG.OL | Norway | $507M | +4% | -4% | 7% | 0.92× | 5.6% | 6.7% |
| Kearny Financial KRNY | United States | $585M | +10% | +1% | 5% | 0.77× | 6.8% | 4.9% |
| Sparebanken More MORG.OL | Norway | $604M | -2% | -15% | 12% | 0.65× | 4.9% | 11.6% |
| SpareBank 1 Ostfold Akershus SOAG.OL | Norway | $609M | -4% | +2% | 12% | 1.14× | 6.2% | 12.1% |
| Greene County Bancorp GCBC | United States | $615M | +51% | +8% | 17% | 2.15× | 12.5% | 16.7% |
| Avidia Bancorp AVBC | United States | $448M | +11% | +5% | 7% | 1.18× | 7.0% | 7.3% |
| Third Coast Bancshares TCBX | United States | $646M | +1% | +18% | 13% | 0.96× | 7.9% | 12.7% |
| Hingham Institution for Savings HIFS | United States | $647M | +5% | +3% | 13% | 1.26× | 10.6% | 12.6% |
| Timberland Bancorp TSBK | United States | $373M | +17% | +4% | 12% | 1.35× | 7.7% | 11.6% |
| Southern Missouri Bancorp SMBC | United States | $775M | +2% | +3% | 13% | 1.29× | 10.5% | 12.9% |
| FS Bancorp FSBW | United States | $343M | +6% | +6% | 9% | 1.01× | 8.4% | 9.1% |
| TrustCo Bank Corp NY TRST | United States | $947M | +17% | +6% | 10% | 1.50× | 10.7% | 10.0% |
| Capitol Federal Financial CFFN | United States | $1.06B | +7% | +6% | 8% | 1.04× | 8.4% | 8.4% |
| American Savings Bank N.A ASBH | United States | $1.30B | n/a | n/a | n/a | n/a | n/a | n/a |
| Triumph Financial TFIN | United States | $1.46B | -8% | +13% | 5% | 1.57× | 17.5% | 5.3% |
| OceanFirst Financial OCFC | United States | $1.82B | -4% | +31% | 2% | 0.75× | 8.1% | 2.3% |
| Shawbrook SHAW.L | United Kingdom | $1.96B | -12% | +5% | 12% | 0.79× | 8.0% | 12.2% |