Ponce Financial Group Inc (PDLB) AI Stock Analysis

• Market Cap: $422.99M
• Dividend Yield: N/A
• Average Volume (3M): 74.25K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.77
• Revenue Growth: 16.03%
• EPS Growth: 145.10%
• Country: US
• Employees: 211
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.42
• Shares Outstanding: 24,156,832
• 10 Day Avg. Volume: 131,028
• 30 Day Avg. Volume: 74,251
• PEG Ratio: 0.08
• Price to Book (P/B): 0.69
• Price to Sales (P/S): 1.92
• P/FCF Ratio: 8.89
• Enterprise Value/Market Cap: 2.41
• Enterprise Value/Revenue: 5.25
• Enterprise Value/Gross Profit: 9.63
• Enterprise Value/Ebitda: 23.70
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 1.3
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: $18.00 ▲(12.71% Upside)
• Action: Reiterated Date: 03/31/26
• Date: Action: Reiterated 03/31/26

The score is driven primarily by improved 2025 operating performance and cash generation, tempered by balance-sheet leverage and a history of earnings volatility. Technical signals are neutral-to-mildly positive, and valuation looks reasonable on P/E but lacks dividend support; recent corporate updates are positive but modest in impact.

Positive Factors

Multi-year Revenue Growth

Sustained 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.

Negative Factors

Meaningful Leverage

Leverage 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.

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, reciproc...

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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, reciproc...

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...

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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

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	194.31M	167.29M	134.47M	87.12M	77.58M
Gross Profit	105.89M	79.80M	72.89M	46.92M	66.61M
EBITDA	43.03M	20.42M	10.38M	-32.58M	36.10M
Net Income	28.70M	10.97M	3.35M	-30.00M	25.41M
Balance Sheet
Total Assets	3.22B	3.04B	2.75B	2.31B	1.65B
Cash, Cash Equivalents and Short-Term Investments	120.71M	245.06M	259.34M	185.36M	269.73M
Total Debt	625.45M	626.80M	717.11M	551.91M	121.34M
Total Liabilities	2.68B	2.53B	2.26B	1.82B	1.46B
Stockholders Equity	541.55M	505.50M	491.39M	492.70M	189.26M
Cash Flow
Free Cash Flow	42.01M	4.49M	6.08M	9.31M	14.38M
Operating Cash Flow	42.98M	7.21M	6.49M	9.80M	18.55M
Investing Cash Flow	-207.11M	-294.90M	-332.91M	-777.06M	-211.14M
Financing Cash Flow	150.44M	288.33M	411.25M	667.73M	274.40M

Ponce Financial Group Inc Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 15.97
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

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 16.64, below the 50-day MA of 16.61, and above the 200-day MA of 15.43, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 75.07 is Negative, neither overbought nor oversold. The STOCH value of 89.12 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PDLB.

Ponce Financial Group Inc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WTBA	69 Neutral	$421.99M	11.55	13.03%	4.39%	4.47%	49.09%
USCB	68 Neutral	$362.58M	12.79	14.96%	2.10%	15.45%	52.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SFST	66 Neutral	$474.78M	10.51	8.63%	―	4.74%	86.27%
PDLB	64 Neutral	$422.99M	13.01	5.45%	―	16.03%	145.10%
BWFG	63 Neutral	$415.91M	10.09	12.21%	1.66%	2.52%	85.94%
FMAO	63 Neutral	$365.70M	10.19	9.33%	3.18%	6.52%	36.77%

Ponce Financial Group Inc Corporate Events