Ponce Financial Group, Inc./$PDLB
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About Ponce Financial Group, Inc.
Ponce Financial Group Inc, is a United States-based holding company. Its business consists of taking deposits from the general public and investing those deposits, together with funds generated from operations, in mortgage loans, consisting of one-to-four-family residential, multi-family residential, non-residential property and construction and land, and, to a lesser extent, business, and consumer loans. The company also invests in securities, which consists of securities issued by the U.S. Government and federal agencies and mortgage-backed securities issued by the United States government-sponsored enterprises. Some of the products and services include checking solutions, online and mobile banking, merchant credit card services, and others.
Ticker
$PDLB
Sector
Primary listing
Employees
218
Headquarters
Website
PDLB Metrics
BasicAdvanced
$343M
21.18
$0.71
0.56
-
Price and volume
Market cap
$343M
Beta
0.56
52-week high
$15.21
52-week low
$10.88
Average daily volume
32K
Financial strength
Dividend payout ratio (TTM)
6.46%
Profitability
Net profit margin (TTM)
19.25%
Operating margin (TTM)
27.98%
Effective tax rate (TTM)
25.88%
Revenue per employee (TTM)
$420,000
Management effectiveness
Return on assets (TTM)
0.58%
Return on equity (TTM)
3.42%
Valuation
Price to earnings (TTM)
21.177
Price to revenue (TTM)
3.761
Price to book
1.16
Price to tangible book (TTM)
1.16
Price to free cash flow (TTM)
13.53
Free cash flow yield (TTM)
7.39%
Free cash flow per share (TTM)
1.114
Growth
Revenue change (TTM)
15.50%
Earnings per share change (TTM)
83.78%
3-year revenue growth (CAGR)
0.81%
3-year earnings per share growth (CAGR)
14.02%
Bulls say / Bears say
Ponce Financial Group beat expectations in Q2 2025, with adjusted EPS of $0.25 versus the consensus of $0.17. Revenue increased 36.4% year-over-year to $24.43 million, representing a 47.1% earnings surprise, mainly due to higher net interest income (Reuters).
The company’s net interest margin widened to 3.27% in Q2 2025, up from 2.62% a year earlier—a 65 basis points expansion that highlights stronger profitability from its interest-earning assets (Reuters).
Ponce’s balance sheet showed robust growth in Q1 2025: net loans increased 3.69% quarter-over-quarter to $2.37 billion and deposits rose 6.37% quarter-over-quarter to $2.00 billion, showing continued expansion both in lending and deposit franchises (Reuters).
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
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FAQs
What’s the current market cap for Ponce Financial Group, Inc. stock?
Ponce Financial Group, Inc. (PDLB) has a market cap of $343M as of September 19, 2025.
What is the P/E ratio for Ponce Financial Group, Inc. stock?
The price to earnings (P/E) ratio for Ponce Financial Group, Inc. (PDLB) stock is 21.18 as of September 19, 2025.
Does Ponce Financial Group, Inc. stock pay dividends?
No, Ponce Financial Group, Inc. (PDLB) stock does not pay dividends to its shareholders as of September 19, 2025.
When is the next Ponce Financial Group, Inc. dividend payment date?
Ponce Financial Group, Inc. (PDLB) stock does not pay dividends to its shareholders.
What is the beta indicator for Ponce Financial Group, Inc.?
Ponce Financial Group, Inc. (PDLB) has a beta rating of 0.56. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.