Ponce Financial Group Inc (PDLB)
NASDAQ:PDLB
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Ponce Financial Group Inc
(NASDAQ:PDLB)
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Rating:69Neutral
Price Target:
$21.00
▲(31.50% Upside)
Action:Reiterated
Date:06/13/26
The score is driven primarily by improved profitability and solid cash generation, supported by a technically strong uptrend. The main constraints are modest ROE, still-elevated leverage, and a history of volatility, while valuation appears fair rather than compelling and recent corporate updates are modestly positive.
Positive Factors
Margin and Profitability Improvement
Net 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.
Negative Factors
Modest Return on Equity
A 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Margin and Profitability Improvement
Net 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.
Read all positive factors
Ponce Financial Group Inc (PDLB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$462.23M
Dividend YieldN/A
Average Volume (3M)74.25K
Price to Earnings (P/E)14.3
Beta (1Y)0.82
Revenue Growth13.13%
EPS Growth119.50%
CountryUS
Employees211
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap2.24
Enterprise Value/Revenue5.20
Enterprise Value/Gross Profit9.41
Enterprise Value/Ebitda21.71
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
Ponce Financial Group Inc Business Overview & Revenue Model
Company Description
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 ...
How the Company Makes Money
Ponce Financial Group primarily makes money through Ponce Bank’s net interest income and noninterest income. Net interest income is earned from the spread between (1) interest and fees collected on earning assets—mainly loans such as residential m...
Ponce Financial Group Inc Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 199.02M | 194.31M | 167.29M | 134.47M | 87.12M | 77.58M |
| Gross Profit | 110.02M | 105.89M | 79.80M | 72.89M | 46.92M | 66.61M |
| EBITDA | 47.69M | 43.03M | 20.42M | 10.38M | -32.58M | 36.10M |
| Net Income | 31.37M | 28.70M | 10.97M | 3.35M | -30.00M | 25.41M |
Balance Sheet | ||||||
| Total Assets | 3.30B | 3.22B | 3.04B | 2.75B | 2.31B | 1.65B |
| Cash, Cash Equivalents and Short-Term Investments | 114.58M | 218.60M | 245.06M | 259.34M | 185.36M | 269.73M |
| Total Debt | 600.53M | 625.45M | 626.80M | 717.11M | 551.91M | 121.34M |
| Total Liabilities | 2.75B | 2.68B | 2.53B | 2.26B | 1.82B | 1.46B |
| Stockholders Equity | 551.36M | 541.55M | 505.50M | 491.39M | 492.70M | 189.26M |
Cash Flow | ||||||
| Free Cash Flow | 55.15M | 54.62M | 4.49M | 6.08M | 9.31M | 14.38M |
| Operating Cash Flow | 55.01M | 55.59M | 7.21M | 6.49M | 9.80M | 18.55M |
| Investing Cash Flow | -235.39M | -219.72M | -294.90M | -332.91M | -777.06M | -211.14M |
| Financing Cash Flow | 167.74M | 150.44M | 288.33M | 411.25M | 667.73M | 274.40M |
Ponce Financial Group Inc Technical Analysis
Positive
15.97
Price Trends
18.12
Positive
17.35
Positive
16.37
Positive
Market Momentum
0.38
Negative
65.21
Neutral
78.82
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PDLB, the sentiment is Positive. The current price of 15.97 is below the 20-day moving average (MA) of 18.88, below the 50-day MA of 18.12, and below the 200-day MA of 16.37, indicating a bullish trend. The MACD of 0.38 indicates Negative momentum. The RSI at 65.21 is Neutral, neither overbought nor oversold. The STOCH value of 78.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PDLB.
Ponce Financial Group Inc Risk Analysis
Ponce Financial Group Inc disclosed 48 risk factors in its most recent earnings report. Ponce Financial Group Inc reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Ponce Financial Group Inc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $440.84M | 10.79 | 13.31% | 1.66% | 7.75% | 217.94% | |
74 Outperform | $419.40M | 11.90 | 13.67% | 4.39% | 0.02% | 34.44% | |
74 Outperform | $356.51M | 12.73 | 12.69% | 2.10% | 4.89% | 3.63% | |
70 Outperform | $390.88M | 11.05 | 9.85% | 3.18% | 6.00% | 31.08% | |
69 Neutral | $462.23M | 14.28 | 5.85% | ― | 13.13% | 119.50% | |
69 Neutral | $555.77M | 13.73 | 9.65% | ― | 6.94% | 90.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
PDLB
Ponce Financial Group Inc
19.11
6.14
47.34%
SFST
Southern First Bancshares
57.95
21.75
60.08%
WTBA
West Bancorporation
24.60
6.59
36.56%
BWFG
Bankwell Financial Group
54.74
20.57
60.21%
FMAO
Farmers & Merchants Bancorp
28.55
5.35
23.04%
USCB
USCB Financial Holdings, Inc. Class A
19.09
3.57
22.97%
Ponce Financial Group Inc Corporate Events
Business Operations and StrategyFinancial DisclosuresShareholder Meetings
Ponce Financial Highlights Growth and Governance at Annual Meeting
Positive
Jun 12, 2026
Ponce Financial Group, Inc., parent of community-focused Ponce Bank, operates as a mission-driven financial institution concentrating on underserved neighborhoods and immigrant entrepreneurs, offering a mix of branch-based and digital banking serv...
Business Operations and StrategyFinancial Disclosures
Ponce Financial Reports Q1 2026 Earnings and Loan Growth
Positive
Apr 24, 2026
Ponce Financial Group reported first-quarter 2026 net income available to common stockholders of $8.3 million, or $0.36 per diluted share, down from $0.42 in the prior quarter but up from $0.25 a year earlier, driven by higher net interest income ...
Business Operations and StrategyExecutive/Board Changes
Ponce Financial Adds Marlene Cintron to Board Leadership
Positive
Mar 31, 2026
On March 26, 2026, Ponce Financial Group, Inc., the New York-based holding company for community-focused lender Ponce Bank, N.A., appointed Marlene Cintron to its Board of Directors, expanding her existing role on the bank’s board to the par...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.