Ponce Financial Group, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Ponce Financial Group, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 53% in 3 years; of every extra $100 of sales, $157 became extra profit. Higher than 98% of Financial Services companies in United States.
- Steadiness Ratio: Sales and profit both grew in each of the last 3 years. Steadier than 94% of Financial Services companies in United States.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 3/3Sales and profit both grew in each of the last 3 years.
Steadier than 94% of Financial Services companies in United States.
Growth Efficiency Ratio
$157Sales grew 53% in 3 years; of every extra $100 of sales, $157 became extra profit.
Higher than 98% of Financial Services companies in United States.
Asset Productivity Ratio
+53% / +39%In 3 years sales changed by +53% while total assets changed by +39%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Ponce Financial Group, Inc. owes $0.84 for every $1 it owns. Net profit rose 162% in the year to Dec 2025.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
14.5Investors pay $14.5 for every $1 of Ponce Financial Group, Inc.'s yearly profit, higher than 62% of Financial Services companies in United States.
P/B ratio
0.88The share price is 0.88 times Ponce Financial Group, Inc.'s book value per share, lower than 79% of Financial Services companies in United States.
Market cap
$495 MThe total market value of all of Ponce Financial Group, Inc.'s shares at today's price (share price × number of shares), smaller than 58% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$561 MWhat Ponce Financial Group, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$23.19Net worth divided by the number of shares. The share price of $20.47 is 0.9 times this, which is the P/B above.
Return on equity (ROE)
6.2%Ponce Financial Group, Inc. earned 6.2% on its shareholders' money over the last year, lower than 72% of Financial Services companies in United States.
Owes vs Owns
0.84×Ponce Financial Group, Inc. owes $0.84 for every $1 it owns (high), higher than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
NonePonce Financial Group, Inc. does not currently pay a dividend.
Revenue growth
+34%Revenue rose 34% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Profit growth
+162%Net profit rose 162% in the year to Dec 2025.
Profit margin
26.5%Ponce Financial Group, Inc. keeps $26 of every $100 of revenue as net profit.
Questions
What is Ponce Financial Group, Inc.'s P/E ratio?
Investors pay $14.5 for every $1 of Ponce Financial Group, Inc.'s yearly profit, higher than 62% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Ponce Financial Group, Inc.: $495 M ÷ $561 M (30 Jun 2026) = 0.9.
What is Ponce Financial Group, Inc.'s return on equity?
Ponce Financial Group, Inc. earned 6.2% on its shareholders' money over the last year, lower than 72% of Financial Services companies in United States.
How much does Ponce Financial Group, Inc. owe compared with what it owns?
Ponce Financial Group, Inc. owes $0.84 for every $1 it owns (high), higher than 52% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Ponce Financial Group, Inc. pay a dividend?
No. Ponce Financial Group, Inc. does not currently pay a dividend.
Is Ponce Financial Group, Inc.'s revenue growing?
Revenue rose 34% in the year to Dec 2025, and grew 15% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.