Ponce Financial Group Inc
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It offers various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also provides real estate… Read more
Ponce Financial Group Inc (PDLB) - Net Assets
Latest net assets as of December 2025: $541.55 Million USD
Based on the latest financial reports, Ponce Financial Group Inc (PDLB) has net assets worth $541.55 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($3.22 Billion) and total liabilities ($2.68 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $541.55 Million |
| % of Total Assets | 16.8% |
| Annual Growth Rate | 19.51% |
| 5-Year Change | 186.15% |
| 10-Year Change | 482.36% |
| Growth Volatility | 50.1 |
Ponce Financial Group Inc - Net Assets Trend (2015–2025)
This chart illustrates how Ponce Financial Group Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ponce Financial Group Inc (2015–2025)
The table below shows the annual net assets of Ponce Financial Group Inc from 2015 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $541.55 Million | +7.13% |
| 2024-12-31 | $505.50 Million | +2.87% |
| 2023-12-31 | $491.39 Million | -0.26% |
| 2022-12-31 | $492.70 Million | +160.34% |
| 2021-12-31 | $189.26 Million | +18.62% |
| 2020-12-31 | $159.54 Million | +0.72% |
| 2019-12-31 | $158.40 Million | -6.37% |
| 2018-12-31 | $169.17 Million | +2.66% |
| 2017-12-31 | $164.78 Million | +77.20% |
| 2016-12-31 | $92.99 Million | +2.12% |
| 2015-12-31 | $91.06 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ponce Financial Group Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 38.4% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $135.33 Million | 24.99% |
| Common Stock | $249.00K | 0.05% |
| Other Comprehensive Income | $-21.47 Million | -3.96% |
| Other Components | $427.44 Million | 78.93% |
| Total Equity | $541.55 Million | 100.00% |
Ponce Financial Group Inc Competitors by Market Cap
The table below lists competitors of Ponce Financial Group Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Huali Industries
SHG:603038
|
$288.34 Million |
|
HOSHF
PINK:HOSHF
|
$288.34 Million |
|
Nanhua Bio Medicine Co Ltd
SHE:000504
|
$288.51 Million |
|
Zhong Fu Tong Co Ltd
SHE:300560
|
$288.57 Million |
|
Hap Seng Consolidated Bhd
KLSE:3034
|
$288.24 Million |
|
Yduqs Participações S.A
SA:YDUQ3
|
$288.17 Million |
|
Signature Bank
PINK:SBNYL
|
$288.11 Million |
|
Claros Mortgage Trust Inc
NYSE:CMTG
|
$288.08 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ponce Financial Group Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 505,500,000 to 541,549,000, a change of 36,049,000 (7.1%).
- Net income of 28,703,000 contributed positively to equity growth.
- Other comprehensive income decreased equity by 6,175,000.
- Other factors increased equity by 13,521,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $28.70 Million | +5.3% |
| Other Comprehensive Income | $-6.17 Million | -1.14% |
| Other Changes | $13.52 Million | +2.5% |
| Total Change | $- | 7.13% |
Book Value vs Market Value Analysis
This analysis compares Ponce Financial Group Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.71x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 1.50x to 0.71x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2015-12-31 | $10.96 | $16.45 | x |
| 2016-12-31 | $11.19 | $16.45 | x |
| 2017-12-31 | $8.93 | $16.45 | x |
| 2018-12-31 | $9.50 | $16.45 | x |
| 2019-12-31 | $9.09 | $16.45 | x |
| 2020-12-31 | $9.56 | $16.45 | x |
| 2021-12-31 | $11.27 | $16.45 | x |
| 2022-12-31 | $21.71 | $16.45 | x |
| 2023-12-31 | $21.53 | $16.45 | x |
| 2024-12-31 | $22.41 | $16.45 | x |
| 2025-12-31 | $23.28 | $16.45 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ponce Financial Group Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 5.30%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 14.77%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 5.95x
- Recent ROE (5.30%) is above the historical average (1.63%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2015 | 2.77% | 7.13% | 0.05x | 7.72x | $-6.59 Million |
| 2016 | 1.53% | 4.04% | 0.05x | 8.01x | $-7.87 Million |
| 2017 | -2.66% | -10.61% | 0.04x | 5.62x | $-20.87 Million |
| 2018 | 1.58% | 5.54% | 0.05x | 6.27x | $-14.24 Million |
| 2019 | -3.24% | -9.77% | 0.05x | 6.65x | $-20.97 Million |
| 2020 | 2.42% | 6.32% | 0.04x | 8.49x | $-12.10 Million |
| 2021 | 13.43% | 32.76% | 0.05x | 8.74x | $6.49 Million |
| 2022 | -6.09% | -34.44% | 0.04x | 4.69x | $-79.27 Million |
| 2023 | 0.68% | 2.49% | 0.05x | 5.60x | $-45.79 Million |
| 2024 | 2.17% | 6.56% | 0.06x | 6.01x | $-39.58 Million |
| 2025 | 5.30% | 14.77% | 0.06x | 5.95x | $-25.45 Million |
Industry Comparison
This section compares Ponce Financial Group Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ponce Financial Group Inc (PDLB) | $541.55 Million | 2.77% | 4.95x | $288.24 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |