profit from every $100 of sales.
$0$100
Ponce Financial Group
$22.18-0.09% today
+40.6% in 1 year
1-year low $14.841-year high $22.68
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $18.69 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Ponce Financial Group sold, what it kept, and what it did with the cash.
Sales went from $71.0 million in 2022 to $108 million in 2025, with $28.7 million of profit last year.
SalesProfit
Ponce Financial Group handed back 2% of the cash it generated last year.
$1M
Free cash flow 2025$55M
Bought back its own shares$0
Paid as dividends$1M
Cash vs. debt$126M vs. $625M
Ponce Financial Group vs. similar companies
Ponce Financial Group grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Ponce Financial Group | 18.7× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Ponce Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 71 | 74 | 81 | 108 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| -30 | 3 | 11 | 29 | |
| -1.32 | 0.15 | 0.46 | 1.20 | |
| – | – | – | – | |
| – | – | – | – | |
| -42.3% | 4.5% | 13.5% | 26.5% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,312 | 2,751 | 3,040 | 3,224 |
| Cash | 56 | 139 | 140 | 126 |
| Total debt | 552 | 717 | 627 | 625 |
| Total liabilities | 1,819 | 2,259 | 2,534 | 2,682 |
| 493 | 491 | 506 | 542 | |
| 23 | 23 | 23 | 23 | |
| – | – | – | – | |
| -6.1% | 0.7% | 2.2% | 5.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 10 | 6 | 7 | 56 | |
| 0 | 0 | 3 | 1 | |
| 9 | 6 | 4 | 55 | |
| Dividends paid | 0 | 0 | 1 | 1 |
| 0 | 11 | 0 | 0 | |
| 3 | 3 | 4 | 4 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 18.7×
- 17.1×
- –
- 0.7×
- 5.0×
- 5.4%
- 0.0%
Profitability
- 26.5%
- 1.0%
- 1.8%
- 5.9%
- 1.0%
Growth
- +15.1%
- –
- –
- +8.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 23%of 754
Bottom 49%of 605
Bottom 32%of 883
Top 34%of 880
Top 22%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 24, 2026 | 0.36 | 0.27 | +33.3% |
| Jan 27, 2026 | 0.42 | 0.28 | +50.0% |
| Oct 24, 2025 | 0.27 | 0.22 | +22.7% |
| Jul 25, 2025 | 0.25 | 0.17 | +47.1% |
| Apr 25, 2025 | 0.25 | 0.09 | +177.8% |
| Mar 13, 2025 | 0.13 | – | – |
| Oct 30, 2024 | 0.10 | 0.07 | +42.9% |
| Jul 30, 2024 | 0.14 | 0.01 | +1,300.0% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
44No pass
Benjamin Graham
51No pass
Philip Fisher
57No pass
Peter Lynch
73Pass
Joel Greenblatt
12No pass
Charlie Munger
38No pass
Terry Smith
48No pass
Questions about Ponce Financial Group
Is Ponce Financial Group a good stock to buy?
A strong, very profitable business at a fair price. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Ponce Financial Group AI analysis
What does Ponce Financial Group do?
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It is in Banks - Regional.
Does Ponce Financial Group pay a dividend?
Yes. In 2025 it paid out $1.13 million in dividends.
Is Ponce Financial Group stock halal?
No. Ponce Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Ponce Financial Group stock done over the past year?
Up 40.6% over the past twelve months, to $22.18. It traded between $14.84 and $22.68 and is 2.2% below its high.
Who are Ponce Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Ponce Financial Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.