PDLB logo

PONCE FINANCIAL GROUP INC

PDLBNASDAQ
πŸ† #2808 by market capEarnings Jan 25US Equity
$22.68β–² $0.27 (+1.20%)
πŸŒ™ After hours$22.68β–² 0.00%Regular close Β· extended-hours price shown
πŸ””
Track PDLB
Get earnings, price moves & breaking news on Telegram
Track
24hβ–² 1.2%
7dβ–² 10.1%
14dβ–² 12.7%
30dβ–² 13.6%
ytdβ–² 38.5%
1yβ–² 61.1%
🏦Market Cap
$549M
Small Cap
πŸ“ˆRevenue Growth (YoY)
16.1%
Healthy
πŸ“ŠGross Margin
56.4%
Healthy
πŸ’΅FCF Margin
27.3%
Strong
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
80
Strong

Trading Snapshot

Day Range
$22.32 – $22.75
52-Week Range
$13.91 – $22.75
Volume (shares)
213,985
Avg Volume (shares)
β€”
Shares Outstanding
24.2M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$194M
Last Q Revenue
$58M
P/E Ratio
11.8
P/S Ratio
2.6x
EPS (TTM)
$1.97
Dividend Yield
0.00%
Dilution (1yr)
+2.0%
PDLB logo

PONCE FINANCIAL GROUP INC

PDLB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$194Mβ–² +16.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
54.5%β–² +14.2% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$40Mβ–² +151.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$55Mβ–² +1115.3% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
23.3Mβ–² +2.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$499Mβ–Ό βˆ’$12M YoY
StockOtter Β· stockotter.space

About PONCE FINANCIAL GROUP INC

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 NOW/IOLA accounts), money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. Furthermore, it offers a diverse portfolio of lending solutions. These encompass residential mortgages for one-to-four family units (both investor-owned and owner-occupied), multifamily properties, nonresidential real estate, construction and land development, as well as commercial and industrial financing, general business loans, and consumer loans. Ponce Financial Group also provides lines of credit and previously participated in the Paycheck Protection Program. Beyond lending and deposits, the group makes strategic investments. Its investment holdings include securities from the U.S. Government and federal agencies, instruments issued by government-sponsored or government-owned enterprises, mortgage-backed securities, corporate bonds and other obligations, and Federal Home Loan Bank stock. With a substantial footprint in the New York metropolitan area and New Jersey, Ponce Financial Group operates a network of banking offices: four in the Bronx, two in Manhattan, three in Queens, and three in Brooklyn, New York. It also maintains one banking office in Union City, New Jersey. Additionally, the company has several mortgage loan offices: two in Queens and one in Brooklyn, New York, along with two in New Jerseyβ€”one in Englewood Cliffs and another in Bergenfield. Founded in 1960, Ponce Financial Group, Inc. is headquartered in the Bronx, New York.

🦦

Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
80/100

Analyst Ratings

β“˜
Consensus
Buy
7 analysts
Strong Buy2
Buy4
Hold1
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Zacks Investment ResearchΒ·12h ago

Is Ponce Financial (PDLB) a Solid Growth Stock? 3 Reasons to Think "Yes"

Ponce Financial (PDLB) is well positioned to outperform the market, as it exhibits above-average growth in financials.

Zacks Investment ResearchΒ·3d ago

Ponce Financial (PDLB) Q3 Earnings Lag Estimates

Ponce Financial (PDLB) came out with quarterly earnings of $0.76 per share, missing the Zacks Consensus Estimate of $9.4 per share. This compares to earnings of $0.27 per share a year ago.

GlobeNewsWireΒ·3d ago

Ponce Financial Group, Inc. Reports Third Quarter 2026 Results

NEW YORK, Oct. 26, 2026 (GLOBE NEWSWIRE) -- Ponce Financial Group, Inc., (the β€œCompany”) (Nasdaq: PDLB), the holding company for Ponce Bank, National Association ("Ponce Bank" or the β€œBank”), today announced results for

Seeking AlphaΒ·Sep 22

Ponce Financial Group: Potential Preferred Stock Repurchase Makes It Look More Interesting

Ponce Financial Group demonstrates robust loan and deposit growth, with a unique focus on underserved communities and minority lending. PDLB's potential repurchase of ECIP preferred stock could add $8.68 per share to tan

Defense WorldΒ·Aug 17

Critical Comparison: Addiko Bank (OTCMKTS:ADBKF) vs. Ponce Financial Group (NASDAQ:PDLB)

Addiko Bank (OTCMKTS:ADBKF - Get Free Report) and Ponce Financial Group (NASDAQ: PDLB - Get Free Report) are both finance companies, but which is the superior business? We will compare the two companies based on the stre

Defense WorldΒ·Aug 8

Dimensional Fund Advisors LP Has $15.69 Million Position in Ponce Financial Group, Inc. $PDLB

Dimensional Fund Advisors LP boosted its position in Ponce Financial Group, Inc. (NASDAQ: PDLB) by 2.8% in the undefined quarter, according to its most recent filing with the Securities and Exchange Commission (SEC). The