Ponce Financial Group Inc (PDLB) AI Stock Analysis

• Market Cap: $340.82M
• Dividend Yield: N/A
• Average Volume (3M): 46.73K
• Price to Earnings (P/E): 16.0
• Beta (1Y): 0.87
• Revenue Growth: 16.03%
• EPS Growth: 145.10%
• Country: US
• Employees: 211
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.27
• Shares Outstanding: 24,001,125
• 10 Day Avg. Volume: 48,679
• 30 Day Avg. Volume: 46,733
• PEG Ratio: 0.13
• Price to Book (P/B): 0.58
• Price to Sales (P/S): 1.74
• P/FCF Ratio: 64.90
• Enterprise Value/Market Cap: 3.19
• Enterprise Value/Revenue: 6.04
• Enterprise Value/Gross Profit: 12.25
• Enterprise Value/Ebitda: 38.26
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: $15.50 ▲(6.68% Upside)

Ponce Financial Group Inc's overall stock score is driven primarily by its solid financial performance, characterized by consistent revenue growth and improved profitability. Technical analysis indicates a lack of upward momentum, while valuation suggests moderate pricing. The absence of earnings call and corporate events data limits further insights.

Ponce Financial Group Inc Business Overview & Revenue Model

Company Description

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.

How the Company Makes Money

Ponce Financial Group generates revenue through various streams, primarily from interest income on loans, including personal loans, mortgages, and business loans provided to its customers. Additionally, the company earns fees from banking services, such as account maintenance fees, transaction fees, and other service-related charges. Ponce Financial may also generate income from investment activities and partnerships with other financial institutions that enable them to expand their service offerings. The company's focus on niche markets, particularly within Hispanic communities, allows it to establish strong customer relationships and drive loyalty, further contributing to its revenue growth.

Ponce Financial Group Inc Financial Statement Overview

Summary

Ponce Financial Group Inc demonstrates a solid financial position with consistent revenue growth and improved profitability margins. The balance sheet reflects a stable leverage position, although historical debt fluctuations warrant caution. Cash flow metrics indicate strong cash generation, but operational cash conversion could be improved. Overall, the company is on a positive trajectory, with areas for potential optimization.

Income Statement

Ponce Financial Group Inc has shown a consistent revenue growth trend, with a TTM revenue growth rate of 4.21%. The gross profit margin is healthy at 49.3%, and the net profit margin has improved to 9.69% in the TTM, indicating enhanced profitability. However, the historical volatility in EBIT and EBITDA margins suggests potential operational challenges.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 1.09 in the TTM, indicating a balanced leverage position. Return on equity has improved to 3.41%, reflecting better utilization of equity. However, the equity ratio is not explicitly provided, and historical fluctuations in debt levels pose potential risks.

Cash Flow

The free cash flow growth rate has significantly improved to 48.16% in the TTM, showcasing strong cash generation capabilities. The operating cash flow to net income ratio is low, suggesting potential inefficiencies in cash conversion. The free cash flow to net income ratio is robust at 95.36%, indicating effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	179.91M	167.29M	134.47M	87.12M	77.58M	60.96M
Gross Profit	88.69M	79.80M	72.89M	46.92M	66.61M	47.15M
EBITDA	28.41M	20.42M	10.38M	-32.58M	36.10M	7.75M
Net Income	17.43M	10.97M	3.35M	-30.00M	25.41M	3.85M
Balance Sheet
Total Assets	3.15B	3.04B	2.75B	2.31B	1.65B	1.36B
Cash, Cash Equivalents and Short-Term Investments	132.33M	245.06M	259.34M	185.36M	269.73M	92.31M
Total Debt	566.60M	626.80M	717.11M	551.91M	121.34M	148.70M
Total Liabilities	2.63B	2.53B	2.26B	1.82B	1.46B	1.20B
Stockholders Equity	521.09M	505.50M	491.39M	492.70M	189.26M	159.54M
Cash Flow
Free Cash Flow	26.29M	4.49M	6.08M	9.31M	14.38M	-29.40M
Operating Cash Flow	27.57M	7.21M	6.49M	9.80M	18.55M	-27.50M
Investing Cash Flow	-294.76M	-294.90M	-332.91M	-777.06M	-211.14M	-204.60M
Financing Cash Flow	290.67M	288.33M	411.25M	667.73M	274.40M	276.50M

Ponce Financial Group Inc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.53
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PDLB, the sentiment is Negative. The current price of 14.53 is above the 20-day moving average (MA) of 14.46, below the 50-day MA of 14.67, and above the 200-day MA of 13.62, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 42.69 is Neutral, neither overbought nor oversold. The STOCH value of 57.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PDLB.

Ponce Financial Group Inc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
USCB	―	$350.57M	11.53	14.96%	2.00%	15.45%	52.68%
WTBA	―	$361.18M	11.40	13.14%	5.04%	4.47%	49.09%
BWFG	―	$338.79M	12.18	10.08%	1.82%	2.52%	86.70%
FMAO	―	$328.00M	10.40	9.01%	3.87%	6.52%	36.77%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	―	$358.89M	13.61	7.65%	―	4.74%	86.27%
PDLB	―	$340.82M	15.99	4.16%	―	16.03%	145.10%

Ponce Financial Group Inc Corporate Events

Ponce Financial Group Reports Strong Q3 2025 Earnings

Ponce Financial Group, Inc. reported a significant increase in net income for the third quarter of 2025, with net income available to common stockholders reaching $6.2 million, up from $5.8 million in the previous quarter and $2.2 million in the same period last year. The company has shown strong financial performance with increased net interest income and a higher net interest margin, reflecting improved profitability and operational efficiency. Additionally, Ponce Financial Group has been actively expanding its operations, including opening a new branch in Manhattan and modernizing its charter, which is expected to enhance its competitive edge and funding capabilities.

The most recent analyst rating on (PDLB) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Ponce Financial Group Inc stock, see the PDLB Stock Forecast page.

Ponce Financial Group Transitions to National Bank

On October 10, 2025, Ponce Financial Group, Inc. announced that its subsidiary, Ponce Bank, has successfully transitioned to a national bank, now operating as Ponce Bank, National Association. This change allows the bank to increase its powers, such as receiving municipal deposits in New York. Concurrently, Ponce Financial Group became a bank holding company and a financial holding company, enabling it to engage in a broader range of financial activities. Despite these changes, the company and the bank do not anticipate significant alterations to their core business operations.

The most recent analyst rating on (PDLB) stock is a Hold with a $15.00 price target. To see the full list of analyst forecasts on Ponce Financial Group Inc stock, see the PDLB Stock Forecast page.