Ponce Financial Group Inc (PDLB)
NASDAQ:PDLB
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$10.88 - $18.01
Previous CloseN/A
Volume13.59K
Average Volume (3M)74.25K
Market Cap
$423.23M
Enterprise Value$1.02B
Total Cash (Recent Filing)$120.71M
Total Debt (Recent Filing)$625.45M
Price to Earnings (P/E)13.0
Beta0.77
Next Earnings
Apr 23, 2026EPS Estimate
0.27Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.42
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 Cap2.42
Enterprise Value/Revenue5.26
Enterprise Value/Gross Profit9.66
Enterprise Value/Ebitda23.76
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
Multi-year Revenue GrowthSustained revenue expansion over multiple years demonstrates durable demand for the bank's lending and deposit services in its core markets. This scale growth supports diversified income streams, improves operating leverage potential, and underpins longer-term investment in branches and digital capabilities.
Improved Cash GenerationMaterial improvement in 2025 cash generation with FCF roughly matching net income indicates higher earnings quality and better internal funding for growth. Strong cash conversion provides buffers for capital needs, loan growth funding, and gradual de-leveraging without relying solely on external financing.
Strengthened Governance & Community FocusAdding a board director with deep public policy, economic development, and community advocacy experience aligns governance with the bank’s mission-driven strategy. This enhances oversight of community lending initiatives and can improve stakeholder relations, underwriting insight, and mission-aligned growth execution.
Bears Say
Meaningful LeverageLeverage materially above equity increases sensitivity to credit stress and interest-rate shifts and limits balance-sheet flexibility. Elevated debt relative to equity constrains capital management choices, heightens refinancing and funding risks, and may pressure regulatory buffers in adverse cycles.
Earnings And Cash-Flow VolatilitySharp swings in profitability and cash flow, including a loss year, indicate earnings are cyclical and can be hit by credit or NII shocks. This reduces predictability of dividend capacity and capital planning and suggests stress-testing and conservative provisioning must remain priorities for long-term resilience.
Modest Return On EquityA low mid-single-digit ROE, even after improvement, signals limited profitability relative to capital employed. Persistently modest returns constrain ability to organically build capital, reward shareholders, or rapidly absorb losses, making future growth more dependent on efficiency gains or higher-yielding asset mixes.
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 $10.88 and its highest was $18.01 in the past 12 months.
What is Ponce Financial Group Inc’s market cap?
Ponce Financial Group Inc’s market cap is $423.23M.
When is Ponce Financial Group Inc’s upcoming earnings report date?
Ponce Financial Group Inc’s upcoming earnings report date is Apr 23, 2026 which is in 8 days.
How were Ponce Financial Group Inc’s earnings last quarter?
Ponce Financial Group Inc released its earnings results on Jan 27, 2026. The company reported $0.42 earnings per share for the quarter, beating the consensus estimate of $0.28 by $0.14.
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 is 0.27.
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 $0.42 in its last earnings report, beating expectations of $0.28. Following the earnings report the stock price went up 0.842%.
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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5
6
7
8
9
10
Blogger Sentiment
Bearish
PDLB Sentiment 70%
Sector Average 66%
Sector Average 66%
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
5.45%
Trailing 12-Months
Asset Growth
5.95%
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
13.28% Mutual Funds
13.49% Other Institutional Investors
58.66% Public Companies and
Individual Investors