Ponce Financial Group, Inc. (PDLB)
Savings Institution, Federally Chartered · Financial Services · $471M
Intrinsic Value (Consensus)
$20.08
Current Price
$19.48
Margin of Safety
+3.1%
3.1% Below Intrinsic Value
Value: $20
Price: $19
Valuation Model Estimates
Current Price: $19.48
DCF (Discounted Cash Flow)
$105.89
Graham Number
$24.59
Earnings Power Value
$11.65
Relative Value (P/E)
$24.00
Dividend Discount Model
Not applicable
—
Consensus Value
$20.08
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
55
Profitability
15/25
Strength
15/25
Valuation
15/25
Growth
10/25
Financial Health Signals
Elevated debt — Debt/Equity ratio is 110%
Strong earnings growth (20% YoY)
High free cash flow yield (11.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.20
- EPS (Forward)
- $1.44
- Book Value
- $22.39
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 5.3%
- Debt/Equity
- 110%
- Revenue Growth
- N/A
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance