PDLB PEER ANALYSIS

Ponce Financial Group Inc — metric-by-metric comparison with peers and the industry median

PDLBPonce Financial Group Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

PDLBIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	PDLB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	14.96	15.65	—	2.96●	9.16	13.38	12.88
P/B	0.85	3.99	31,504.34	0.71●	1.41	1.41	1.29
EV/EBITDA	20.03	-9.21●	418,782.20	2.21	-8.43	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PDLB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.31●	—	—	—	0.25	0.12	0.31
Debt/Equity	108.9%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	10.19	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	PDLB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	15.8%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	5.9%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	1.0%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PDLB	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	116.1%●	—	71.8%	-1.3%	16.0%	16.2%	19.4%
Div. Yield	0.2%	—	—	—	4.8%●	3.2%	2.5%
Payout	3.6%	—	—	—	—	—	31.4%

Valuation
Metric	PDLB	RBB	BSVN	WTBA	BWFG	BMRC	Ind. Median
P/E	14.96	11.38	10.64	13.06	11.55	9.65●	12.88
P/B	0.85●	0.88	1.83	1.70	1.47	1.15	1.29
EV/EBITDA	20.03	2.18	—	6.38	6.47	-18.44●	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	PDLB	RBB	BSVN	WTBA	BWFG	BMRC	Ind. Median
Current Ratio	0.31	0.21	76.39●	0.15	51.00	63.65	0.31
Debt/Equity	108.9%	54.6%	—	138.6%	41.6%	6.2%●	38.0%
NetDebt/EBITDA	10.19	-5.17	—	-2.40	-1.40	-26.17●	-0.58

Profitability
Metric	PDLB	RBB	BSVN	WTBA	BWFG	BMRC	Ind. Median
Net Margin	15.8%	16.8%	31.8%●	17.7%	18.7%	25.3%	20.6%
ROE	5.9%	7.9%	18.6%●	13.9%	13.5%	11.3%	10.9%
ROA	1.0%	1.0%	2.4%●	0.9%	1.2%	1.2%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	PDLB	RBB	BSVN	WTBA	BWFG	BMRC	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	116.1%	95.8%	-0.0%	35.3%	207.0%●	—	19.4%
Div. Yield	0.2%	2.3%	2.1%	3.7%●	1.3%	3.5%	2.5%
Payout	3.6%	27.2%	21.6%	48.0%	15.9%	34.3%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 2, 26. This content is for informational purposes only and is not investment advice.