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 - $18.99
Previous CloseN/A
Volume13.59K
Average Volume (3M)74.25K
Market Cap
$449.17M
Enterprise Value$1.02B
Total Cash (Recent Filing)$114.58M
Total Debt (Recent Filing)$600.53M
Price to Earnings (P/E)11.1
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 Cap2.28
Enterprise Value/Revenue5.14
Enterprise Value/Gross Profit9.29
Enterprise Value/Ebitda22.61
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
Improved Profitability And Cash GenerationProfitability recovered materially from prior loss years: net income and margins expanded meaningfully and operating cash flow aligned with net income. Durable cash generation and higher margins support internal investment, capital buffers and underwriting over the next several quarters.
Loan Growth, Margin Expansion And Improving Asset QualitySustained loan growth with a wider net interest margin and lower non-performing assets indicates core lending momentum and improving credit discipline. These structural trends underpin net interest income sustainability and reduce tail risk to earnings over a multi-quarter horizon.
Board Addition Strengthens Governance And Community StrategyAdding an experienced community-development and public-policy leader to the parent company board deepens governance and aligns leadership with the bank's mission-driven lending strategy, aiding long-term franchise credibility, stakeholder access and targeted small-business origination.
Bears Say
Revenue Growth Has Cooled SharplyTop-line growth deceleration undermines the sustainability of recent profit gains; without renewed revenue momentum, margin improvements may be harder to sustain. For a regional lender, persistent low revenue growth constrains scale economics and strategic reinvestment.
Elevated Leverage And Only Modest ROELeverage remains above 1x debt-to-equity, limiting financial flexibility and increasing sensitivity to funding shocks. Modest ROE relative to peers reflects constrained profitability leverage and may slow capital accumulation needed for growth or unexpected credit events over the medium term.
Efficiency Ratio And Sequential Operating PressureA mid-50s efficiency ratio and recent sequential EPS dip point to persistent cost pressure or scaling limits. Until productivity investments convert to lower operating costs, elevated efficiency metrics can cap earnings leverage and constrain sustained ROE improvement.
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 $18.99 in the past 12 months.
What is Ponce Financial Group Inc’s market cap?
Ponce Financial Group Inc’s market cap is $449.17M.
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 58 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
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5
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7
8
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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.
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.
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
52.66% Public Companies and
Individual Investors