Is Ponce Financial Group, Inc. (PDLB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 45.5% | |
| Net Margin | 27.2% | |
| Return on Equity (ROE) | 5.5% | |
| Return on Assets (ROA) | 0.9% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $56M |
| Free Cash Flow | $55M |
| Total Debt | $625M |
| Total Assets | $3.2B |
Price & Trading
| Last Close | $16.60 |
| 50-Day MA | $16.54 |
| 200-Day MA | $15.29 |
| Avg Volume | 79K |
| Beta | 0.5 |
|
52-Week Range
$10.88
| |
About Ponce Financial Group, Inc. (PDLB)
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It provides 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 offers real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
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Frequently Asked Questions
Is Ponce Financial Group, Inc. (PDLB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Ponce Financial Group, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Ponce Financial Group, Inc.'s debt ratio?
Ponce Financial Group, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are Ponce Financial Group, Inc.'s key financial metrics?
Ponce Financial Group, Inc. has a market capitalization of $377M, trailing P/E ratio of 13.7, and revenue of $108M. Return on equity stands at 5.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.