PDLB logo

PONCE FINANCIAL GROUP INC

PDLBNASDAQ
πŸ† #2361 by market capEarnings Oct 23US Equity
$20.48β–² $0.38 (+1.84%)
Market closed Β· at close
1hβ€”
24hβ–² 1.8%
7dβ–² 0.1%
14dβ–² 2.0%
30dβ–² 3.0%
1yβ–² 38.2%
🏦Market Cap
$495M
Small Cap
πŸ“ˆRevenue Growth (YoY)
β€”
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
β€”
βš–οΈP/S Ratio
β€”
Otter Score
46
Weak

Trading Snapshot

Day Range
$20.29 – $20.71
52-Week Range
$13.91 – $20.79
Volume
$1.85B
Avg Volume
$2.01B
Shares Outstanding
24.2M
Next Earnings
Oct 23, 2026

Fundamentals Snapshot

Annual Revenue
$194M
Last Q Revenue
$53M
P/E Ratio
14.4
P/S Ratio
β€”
EPS (TTM)
$1.45
Dividend Yield
0.23%

Why Investors Own PDLB

  • βœ“High-growth profile β€” revenue up +7.7% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 35% gross margin and 16% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$194Mβ–² +9.4% YoY
Gross Margin (TTM)
34.7%β–² +0.1% YoY
Operating Income (TTM)
$40Mβ–² +9.4% YoY
Free Cash Flow (TTM)
$31Mβ–² +9.4% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
46/100

Analyst Price Target

β“˜
Average Target
$26.11
β–² +27.5% Upside
High Target$28.48
Low Target$21.63
Based on 37 analysts

Latest News & Updates