Ponce Financial Group Inc (PDLB)
NASDAQ:PDLB
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PDLB Stock Chart & Stats
$15.97
-$0.02(-0.15%)
At close: 4:00 PM EST
$15.97
-$0.02(-0.15%)
Day’s Range― - ―
52-Week Range$12.81 - $19.56
Previous CloseN/A
Volume13.59K
Average Volume (3M)74.25K
Market Cap
$469.49M
Enterprise Value$1.03B
Total Cash (Recent Filing)$114.58M
Total Debt (Recent Filing)$600.53M
Price to Earnings (P/E)14.2
Beta0.82
Next Earnings
Jul 24, 2026EPS Estimate
0.37Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.32
Shares Outstanding24,187,900
10 Day Avg. Volume131,028
30 Day Avg. Volume74,251
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)0.69
Price to Sales (P/S)1.92
P/FCF Ratio6.84
Enterprise Value/Market Cap2.19
Enterprise Value/Revenue5.17
Enterprise Value/Gross Profit9.36
Enterprise Value/Ebitda22.17
Forecast
1Y Price Target
$24.00Price Target Upside50.28% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.3
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Margin And Profitability ImprovementNet income rose materially (from $10.9M in 2024 to $28.7M in 2025 and $31.4M TTM) with net margin expanding to ~15%+. Sustained margin expansion increases internal capital generation, buffers credit cycles, and provides durable capacity to fund growth, technology and community initiatives without relying solely on external funding.
Strong Cash GenerationOperating and free cash flow are robust and closely track reported earnings, supporting high earnings quality. Reliable cash conversion funds lending growth, technology investments and capital needs, enhancing the bank's financial flexibility and resilience over the medium term.
Mission-focused Niche & Governance StrengtheningA focused strategy serving underserved neighborhoods, affordable-housing and construction lending creates a defensible niche and sticky customer relationships. Recent governance additions and operational investments (AI lending platform, branch and digital growth) support disciplined, scalable expansion and reinforce community deposit funding sources.
Bears Say
Modest Return On EquityA TTM ROE near mid-single digits limits long-term shareholder return potential relative to regional bank peers. Modest ROE constrains retained-earnings-driven capital buildup, requiring either sustained margin expansion or higher loan growth to materially improve returns over the next several quarters.
Elevated LeverageDebt-to-equity above 1x indicates a leveraged funding profile for a regional bank, which can limit strategic flexibility. Higher leverage increases sensitivity to funding costs and interest-rate swings, reducing capacity for aggressive balance-sheet expansion or large capital returns without further de-risking or capital raises.
Revenue Growth Slowdown And VolatilityA sharp slowdown to ~0% revenue growth and historical swings (loss-year then rapid rebound) indicate earnings depend on cyclical loan demand and margin moves. Persistent low top-line growth reduces operating leverage and increases reliance on margin improvement or noninterest income to sustain profitably over time.
Ponce Financial Group Inc News
PDLB FAQ
What was Ponce Financial Group Inc’s price range in the past 12 months?
Ponce Financial Group Inc lowest stock price was $12.81 and its highest was $19.56 in the past 12 months.
What is Ponce Financial Group Inc’s market cap?
Ponce Financial Group Inc’s market cap is $469.49M.
When is Ponce Financial Group Inc’s upcoming earnings report date?
Ponce Financial Group Inc’s upcoming earnings report date is Jul 24, 2026 which is in 38 days.
How were Ponce Financial Group Inc’s earnings last quarter?
Ponce Financial Group Inc released its earnings results on Apr 24, 2026. The company reported $0.36 earnings per share for the quarter, beating the consensus estimate of $0.27 by $0.09.
Is Ponce Financial Group Inc overvalued?
According to Wall Street analysts Ponce Financial Group Inc’s price is currently Undervalued.
Does Ponce Financial Group Inc pay dividends?
Ponce Financial Group Inc does not currently pay dividends.
What is Ponce Financial Group Inc’s EPS estimate?
Ponce Financial Group Inc’s EPS estimate is 0.37.
How many shares outstanding does Ponce Financial Group Inc have?
Ponce Financial Group Inc has 24,187,900 shares outstanding.
What happened to Ponce Financial Group Inc’s price movement after its last earnings report?
Ponce Financial Group Inc reported an EPS of $0.36 in its last earnings report, beating expectations of $0.27. Following the earnings report the stock price went up 1.027%.
Which hedge fund is a major shareholder of Ponce Financial Group Inc?
Currently, no hedge funds are holding shares in PDLB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Ponce Financial Group Inc Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$24.00 (50.28% Upside)
$24.00 (50.28% Upside)
Blogger Sentiment
Bullish
PDLB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 148.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.19%
12-Months-Change
Fundamentals
Return on Equity
5.85%
Trailing 12-Months
Asset Growth
6.83%
Trailing 12-Months
Company Description
Ponce Financial Group Inc
Ponce Financial Group, Inc. serves as the parent organization for Ponce Bank, delivering a broad spectrum of financial offerings and services. The company actively gathers various types of deposits, including checking accounts (such as demand and NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jersey—one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.
PDLB Stock 12 Month Forecast
Average Price Target
$24.00
▲(50.28% Upside)
Technical Analysis
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Ownership Overview
5.57% Insiders
13.38% Mutual Funds
18.98% Other Institutional Investors
52.21% Public Companies and
Individual Investors