Is Ponce Financial Group, Inc. overvalued or undervalued?

As of 24 October 2025, the valuation grade for Ponce Financial Group, Inc. moved from fair to attractive, indicating an improved outlook. The company appears to be undervalued, with a P/E ratio of 24, a Price to Book Value of 0.67, and a PEG Ratio of 0.14, suggesting strong growth potential relative to its price. In comparison, TrustCo Bank Corp. NY has a P/E of 14.54, while Southern Missouri Bancorp, Inc. stands out with a very attractive valuation and a P/E of 11.64, highlighting Ponce's relative valuation position.
Despite some recent volatility, Ponce Financial Group's one-year return of 27.02% outperformed the S&P 500's return of 16.90%, reinforcing the attractiveness of its current valuation.