Ponce Financial Group, Inc. (PDLB) intrinsic value & 10-year financials
Ponce Financial Group, Inc. (PDLB) has a Graham intrinsic value of $39.86 per share. At $20.13 on Oct 17, 2026, the stock trades 49% below that value. Over the last 8 fiscal years revenue shrank 25.9% a year to $35.0K, with an average return on invested capital of 2.1%.
- Graham intrinsic value
- $39.86
- Share price (Oct 17, 2026)
- $20.13
- Price vs Graham value
- 49% below
- Market cap
- $464.2M
- Revenue (FY2025)
- $35.0K
- Revenue growth (8-yr CAGR)
- -25.9%
- ROIC (10-yr avg)
- 2.1%
- Free cash flow (FY2025)
- $54.6M
PDLB 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $35.0K | $28.7M | $1.20 | $54.6M | — | 2.9% |
| FY2024 | $61.0K | $11.0M | $0.46 | $4.5M | — | 1.1% |
| FY2023 | $80.0K | $3.4M | $0.15 | $6.1M | — | 0.3% |
| FY2022 | $1.0M | -$30.0M | -$1.32 | $9.3M | — | -3.1% |
| FY2021 | $1.3M | $25.4M | $1.51 | $14.4M | — | 14.6% |
| FY2020 | $974.0K | $3.9M | $0.23 | -$29.4M | — | 2.4% |
| FY2019 | $212.0K | -$5.1M | -$0.29 | $1.2M | — | -3.1% |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Ponce Financial Group, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Ponce Financial Group, Inc. has historically struggled to out-earn its cost of capital, averaging just 2.2% ROIC.
Ponce Financial Group, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Ponce Financial Group, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $39.86 per share.