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Ponce Financial Group, Inc. key statistics and ratios

In fiscal 2025, Ponce Financial Group, Inc. had return on equity of 5.5% and a net margin of 26.3%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin−12.6%7.0%27.2%−41.1%4.4%13.1%26.3%28.1%
Return on equity−3.2%2.4%14.6%−8.8%0.7%2.2%5.5%6.1%
Return on assets—0.3%1.7%−1.5%0.1%0.4%0.9%1.0%
Effective tax rate—26.4%24.4%—42.7%30.0%25.3%25.2%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

17 /100

Weak moat

How hard Ponce Financial Group's competitive advantage looks for rivals to wear away, judged from 6 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median 0.3% of total assets over 5 years.

  • Durability 3 / 20

    Net margin has been a median 13.2%; its worst year was -33.6%.

  • Discipline 10 / 20

    The diluted share count rose 40.3% over five years; stock-based pay has been a median 2.1% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (22 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

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More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Ponce Financial Group, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Ponce Financial Group, Inc.