Ponce Financial Group, Inc./$PDLB
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
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
- Finance
- Primary listing
- NASDAQ
- Employees
- 236
- Headquarters
- Bronx, United States
- Website
- www.poncebank.com
PDLB Metrics
BasicAdvanced
$525M
11.43
$1.90
0.53
-
Price and volume
Market cap
$525M
Beta
0.53
52-week high
$22.93
52-week low
$14.51
Average daily volume
121K
Financial strength
Dividend payout ratio (TTM)
2.47%
Profitability
Net profit margin (TTM)
37.92%
Operating margin (TTM)
41.81%
Effective tax rate (TTM)
6.68%
Revenue per employee (TTM)
$510,000
Management effectiveness
Return on assets (TTM)
1.33%
Return on equity (TTM)
8.21%
Valuation
Price to earnings (TTM)
11.427
Price to revenue (TTM)
4.157
Price to book
1.49
Price to tangible book (TTM)
1.49
Price to free cash flow (TTM)
7.219
Free cash flow yield (TTM)
13.85%
Free cash flow per share (TTM)
3.006
Growth
Revenue change (TTM)
23.67%
Earnings per share change (TTM)
113.18%
3-year revenue growth (CAGR)
26.26%
3-year earnings per share growth (CAGR)
88.92%
What the Analysts think about PDLB
Analyst ratings (Buy, Hold, Sell) for Ponce Financial Group, Inc. stock.
Analyst projections of the future price of Ponce Financial Group, Inc. stock.
Bulls say / Bears say
Core earnings momentum is improving: third-quarter net interest income rose 34.6% year on year and net interest margin widened to 3.86% from 3.30%. (Ponce Bank)
The bank is expanding its lending while deposits grow: net loans were up 18.5% and deposits up 15.7% from year-end 2025. That supports further growth in interest income, provided loan quality holds. (Ponce Bank)
Credit quality improved, with non-performing assets falling to 0.50% of total assets from 0.88% a year earlier. Management also says Treasury confirmed the bank met the lending threshold to pursue a repurchase of its preferred stock, although the transaction is not yet final. (Ponce Bank)
The third-quarter profit jump overstates recurring earnings: the results included a $10.5 million release of a tax valuation allowance, plus $0.8 million of interest from a former non-accrual loan. These items are not a dependable source of future earnings. (Ponce Bank)
The loan book is heavily exposed to property lending: multifamily and construction-and-land loans together made up about two-thirds of mortgage loans at quarter-end. A downturn in property markets could therefore hit a large part of the portfolio. (Ponce Bank)
Capital ratios have fallen as the bank expands: common equity Tier 1 capital was 10.93% of risk-weighted assets, down from 13.39% a year earlier. Continued rapid loan growth could further reduce this buffer or constrain expansion. (Ponce Bank)
Data summarised monthly by Lightyear AI. Last updated on 31 Oct 2026.
PDLB Financial Performance
Revenues and expenses
PDLB Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing PDLB
Fund name | Fund size | $PDLB weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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