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 - $18.05
Previous CloseN/A
Volume13.59K
Average Volume (3M)74.25K
Market Cap
$420.33M
Enterprise Value$993.43M
Total Cash (Recent Filing)$218.60M
Total Debt (Recent Filing)$625.45M
Price to Earnings (P/E)11.1
Beta0.81
Next Earnings
Jul 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.21
Shares Outstanding24,156,832
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 Ratio8.89
Enterprise Value/Market Cap2.36
Enterprise Value/Revenue5.11
Enterprise Value/Gross Profit9.38
Enterprise Value/Ebitda23.09
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.3
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Sustained Revenue & Loan GrowthMulti-year revenue expansion and meaningful loan growth reflect durable demand for the bank’s core lending products. Rising scale supports diversification of interest income, helps absorb fixed costs, and improves the firm’s ability to fund community-focused lending over the next several quarters.
Improved Cash GenerationMaterial improvement in operating and free cash flow in 2025 strengthens earnings quality and internal funding capacity. Reliable cash generation enables reinvestment in lending, technology and provision buffers, reducing dependence on costly external financing over the medium term.
Stronger NIM, Asset Quality & CapitalImproved net interest margin alongside loan and deposit growth and low non-performing assets indicate healthier core intermediation economics and prudent credit performance. Maintained capital ratios provide capacity for measured growth and regulatory resilience over coming quarters.
Bears Say
Meaningful LeverageLeverage materially above equity increases balance-sheet sensitivity to funding stress and credit losses. With debt > equity, capital cushions are thinner, constraining flexibility for large loan losses or rapid expansion and making capital management a persistent strategic priority.
Earnings VolatilityA history of sharp profit swings, including a 2022 loss year, undermines predictability of returns and complicates multi-quarter planning. Volatile earnings make it harder to sustain consistent reinvestment, build capital organically, or deliver stable returns to stakeholders.
Inconsistent Cash Flow Track RecordWhile 2025 showed improved cash metrics, free cash flow has been inconsistent across cycles. This episodic cash generation raises the risk of needing external funding during downturns and limits predictability for long-term investments and loan book expansion.
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 $18.05 in the past 12 months.
What is Ponce Financial Group Inc’s market cap?
Ponce Financial Group Inc’s market cap is $420.33M.
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 80 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 Overvalued.
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 for its next earnings report is not yet available.
How many shares outstanding does Ponce Financial Group Inc have?
Ponce Financial Group Inc has 24,156,832 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
Neutral
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10
Blogger Sentiment
Bullish
PDLB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 400.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $183.7K over
the Last 3 Months
the Last 3 Months
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. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
Technical Analysis
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Ownership Overview
5.58% Insiders
13.39% Mutual Funds
8.36% Other Institutional Investors
63.57% Public Companies and
Individual Investors