Is Ponce Financial Group, Inc. overvalued or undervalued?

As of 25 April 2025, the valuation grade for Ponce Financial Group, Inc. has moved from attractive to fair. Based on the current metrics, the company appears to be fairly valued. Key ratios include a P/E ratio of 24, a Price to Book Value of 0.67, and an EV to EBITDA of 35.25.
In comparison to peers, TrustCo Bank Corp. NY has a P/E of 14.54, while Southern Missouri Bancorp, Inc. stands out with a very attractive P/E of 11.64. Notably, Ponce Financial's PEG ratio of 0.14 indicates potential growth at a reasonable price, although its ROE of 2.82% is relatively low compared to peers. Over the past year, Ponce Financial has outperformed the S&P 500, returning 30.82% compared to the index's 17.14%, which suggests a positive sentiment around the stock despite its current fair valuation.