All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2021; the latest 2024-06-04.
From the record
Ponce Financial Group, Inc.'s filings since 2021 show 1 warning event: an auditor change (8-K item 4.01, the latest 2024-06-04) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+24.2% a year over 7 filed years; profitable in 5 of 7.
From the record
Ponce Financial Group, Inc.'s 7 filed years say what it did: revenue went from $50 million in fiscal 2019 to $186 million in fiscal 2025, up 24.2% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 5 of 7 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 0.5% a year. 16% of cash flow returned. Insiders: 1 sales, 0 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, Ponce Financial Group, Inc.'s diluted share count grew about 0.5% a year, and dividends and buybacks returned about 16% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 1 sale and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 5%: 5¢ of profit per shareholder dollar. Leverage 83%: owes 83¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, Ponce Financial Group, Inc. earned about 5 cents of profit for every dollar of shareholders' money. Leverage: it owed about 83 cents per dollar of assets, and net share issuance: its share count grew 2.3% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 26% of 31 in its family; net margin 15.5%.
From the record
Ponce Financial Group, Inc.'s standing among 31 graded names in its industry family: revenue of $186 million in fiscal 2025 ranks in the top 27% by size; a net margin of 15.5% ranks in the top 47%; revenue growth of 30.9% a year over the last 3 filed years ranks in the top 5% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 8.2/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Ponce Financial Group, Inc.'s leadership is put at 8.2 of 10 with a confidence of 35 of 100, because read from one part only, officer and director changes on Form 8-K over three years, against the people in charge, which ranks in the top 18% of 31 in its family; the record of its people begins on 2022-01-28 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 4.8 years and cannot see past it; a floor under five years is not read as years in charge. A filing that carries the missing parts replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
bottom 42% of 25 in its family for room to expand.
From the record
Ponce Financial Group, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $126 million against debt of $596 million leaves -14.6% of its assets as net cash, bottom 5% of its family; cash from operations less capital spending is 29.4% of revenue (top 22%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 25% of 30 in its family for growth drivers.
From the record
Ponce Financial Group, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 30.9% a year over the last three filed years against 24.2% over all 7, speeding up (top 38% of its family); the newest year grew 14.1% (top 15%); capital spending grew 25.7% a year (top 22%) (its annual reports). Ponce Financial Group, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 27% of 29 in its family for expectations against reality.
From the record
Ponce Financial Group, Inc.'s newest year against its own record: revenue of $186 million in fiscal 2025 came in 18.6% below the $228 million its prior three years' pace pointed to (bottom 33% of its family); net income of $29 million against a prior three-year average of $5 million (top 5%); a net margin of 15.5% against -8.9% before (top 9%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made