PDLB
Ponce Financial Group, Inc.
Price Chart
Latest Quote
$19.34
+0.02 (+0.10%)
Current Price
| Previous Close | $19.32 |
| Open | $19.34 |
| Day High | $19.78 |
| Day Low | $19.28 |
| Volume | 9,359 |
Stock Information
| Shares Outstanding | 24.19M |
| Total Debt | $600.53M |
| Cash Equivalents | $117.50M |
| Revenue | $109.18M |
| Net Income | $30.24M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $467.55M |
| P/E Ratio | 14.76 |
| EPS (TTM) | $1.31 |
| Exchange | NGM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $1.18B |
| Sales | $109.18M |
| Income | $30.24M |
| Book/sh | $13.49 |
| Cash/sh | $4.86 |
| Employees | 218 |
Financial Ratios
| EPS Growth TTM | 44.70% |
Returns & Margins
| ROA | 0.98% |
| ROE | 5.89% |
| Operating Margin | 41.17% |
| Profit Margin | 28.73% |
Ownership
| Insider Ownership | 18.19% |
| Institutional Ownership | 49.23% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 10.92 |
| P/S | 4.28 |
| P/B | 1.43 |
Analyst Data
| Recommendation | none |
| Target Price | $24.00 |
Technical Indicators
| SMA20 | $19.02 |
| SMA50 | $18.23 |
| SMA200 | $16.44 |
| RSI | 57.06 |
| ATR | 0.5486 |
| Shares Float | 18.93M |
| Short Float | 1.34% |
| Short Ratio | 4.90 |
| Volatility | 0.54 |
| Rel Volume | 0.50 |
Performance History
| Week | -0.41% |
| Month | +4.32% |
| Quarter | +18.23% |
| 6 Months | +11.93% |
| YTD | +20.06% |
| Year | +49.04% |
| 3 Years | +120.16% |
| 5 Years | +100.49% |
| 10 Years | +80.98% |
Stock Score:
â Premium
Based on debt, profitability, growth, and cash flow metrics
â Premium Feature
Sign up for free to view detailed scoring breakdown â premium is free during our trial period!
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-22 | $19.33 | 47,938 |
| 2026-06-18 | $19.32 | 120,300 |
| 2026-06-17 | $19.11 | 74,100 |
| 2026-06-16 | $19.48 | 102,300 |
| 2026-06-15 | $19.11 | 73,100 |
| 2026-06-12 | $19.41 | 119,800 |
| 2026-06-11 | $19.25 | 75,300 |
| 2026-06-10 | $19.37 | 117,400 |
| 2026-06-09 | $19.06 | 115,600 |
| 2026-06-08 | $18.89 | 138,200 |
| 2026-06-05 | $19.00 | 125,800 |
| 2026-06-04 | $18.80 | 64,300 |
| 2026-06-03 | $18.50 | 95,900 |
| 2026-06-02 | $19.09 | 99,500 |
| 2026-06-01 | $18.84 | 139,200 |
| 2026-05-29 | $18.88 | 85,700 |
| 2026-05-28 | $18.81 | 66,400 |
| 2026-05-27 | $18.82 | 82,000 |
| 2026-05-26 | $18.84 | 88,600 |
About Ponce Financial Group, Inc.
Ponce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It provides various deposits, including demand, NOW/IOLA, money market, individual retirement, and savings accounts; reciprocal deposits; and certificates of deposit to individuals, business entities, and non-profit organizations. The company also offers real estate-secured loans, including one-to-four family investor-owned and owner-occupied residential; multifamily residential; nonresidential property; construction and land; commercial and industrial; and business and consumer loans. In addition, it invests in securities, which consist of U.S. government and federal agency securities and securities issued by government-sponsored or owned enterprises, as well as corporate securities, mortgage-backed securities, and Federal Home Loan Bank of New York stock. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.
đ° Latest News
Here's What Could Help Ponce Financial (PDLB) Maintain Its Recent Price Strength
Zacks âĸ 2026-06-12T12:55:02Z
Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable
Zacks âĸ 2026-05-27T12:55:02Z
Best Momentum Stock to Buy for May 26th
Zacks âĸ 2026-05-26T12:09:00Z
US Undiscovered Gems To Explore In May 2026
Simply Wall St. âĸ 2026-05-22T17:33:30Z
Alerus Financial (ALRS) Hit a 52 Week High, Can the Run Continue?
Zacks âĸ 2026-05-21T13:15:02Z
Ponce Financial (PDLB) Surpasses Q1 Earnings and Revenue Estimates
Zacks âĸ 2026-04-24T12:45:02Z
Discover 3 Undiscovered Gems in the US Market
Simply Wall St. âĸ 2026-01-29T17:35:51Z
Here's Why Ponce Financial Group (NASDAQ:PDLB) Has Caught The Eye Of Investors
Simply Wall St. âĸ 2026-01-29T14:28:50Z
Ponce Financial: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-27T22:40:20ZRecent Price Trend in Ponce Financial (PDLB) is Your Friend, Here's Why
Zacks âĸ 2025-12-29T13:55:03Z
Period:
Loading...
Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $108,323,000 | $81,138,000 | $73,866,000 | $70,971,000 |
| Operating Revenue | $108,323,000 | $81,138,000 | $73,866,000 | $70,971,000 |
| Expenses | ||||
| Interest Expense | $85,714,000 | $86,157,000 | $60,601,000 | $16,149,000 |
| Selling And Marketing Expense | $627,000 | $714,000 | $825,000 | $593,000 |
| General And Administrative Expense | $34,012,000 | $33,638,000 | $33,189,000 | $29,488,000 |
| Professional Expense And Contract Services Expense | $5,532,000 | $6,146,000 | $7,092,000 | $5,904,000 |
| Other Non Interest Expense | $10,151,000 | $9,725,000 | $10,536,000 | $10,447,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Net Interest Income | $99,811,000 | $76,480,000 | $65,266,000 | $66,603,000 |
| Interest Income | $185,525,000 | $162,637,000 | $125,867,000 | $82,752,000 |
| Normalized Income | $28,703,000 | $10,972,000 | $3,352,000 | $-10,971,706 |
| Net Income From Continuing And Discontinued Operation | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Net Income Common Stockholders | $27,578,000 | $10,334,000 | $3,352,000 | $-30,001,000 |
| Net Income | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Net Income Including Noncontrolling Interests | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Net Income Continuous Operations | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Pretax Income | $38,431,000 | $15,685,000 | $5,853,000 | $-36,846,000 |
| Special Income Charges | - | $201,000 | $1,481,000 | $-23,371,000 |
| Per Share | ||||
| Diluted EPS | $1.20 | $0.46 | $0.15 | $-1.32 |
| Basic EPS | $1.21 | $0.46 | $0.15 | $-1.32 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-4,341,706 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $4,818,000 | $4,737,000 | $4,526,000 | $4,266,000 |
| Diluted Average Shares | $23,060,669 | $22,551,715 | $22,822,313 | $22,690,943 |
| Basic Average Shares | $22,746,226 | $22,434,654 | $22,745,317 | $22,690,943 |
| Diluted NI Availto Com Stockholders | $27,578,000 | $10,334,000 | $3,352,000 | $-30,001,000 |
| Preferred Stock Dividends | $1,125,000 | $638,000 | - | - |
| Tax Provision | $9,728,000 | $4,713,000 | $2,501,000 | $-6,845,000 |
| Selling General And Administration | $34,639,000 | $34,352,000 | $34,014,000 | $30,081,000 |
| Insurance And Claims | $2,624,000 | $2,728,000 | $2,490,000 | $1,574,000 |
| Salaries And Wages | $31,388,000 | $30,910,000 | $30,699,000 | $27,914,000 |
| Occupancy And Equipment | $15,787,000 | $14,880,000 | $14,568,000 | $13,968,000 |
| Total Unusual Items | - | $201,000 | $1,481,000 | $-23,371,000 |
| Total Unusual Items Excluding Goodwill | - | $201,000 | $1,481,000 | $-23,371,000 |
| Write Off | - | $-201,000 | $-1,481,000 | $17,940,000 |
| Other Special Charges | - | - | - | $5,431,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-22
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $541,549,000 | $505,500,000 | $491,395,000 | $492,700,000 |
| Total Assets | $3,223,970,000 | $3,039,938,000 | $2,750,722,000 | $2,311,989,000 |
| Receivables | $17,905,000 | $17,771,000 | $18,010,000 | $15,049,000 |
| Accounts Receivable | $17,905,000 | $17,771,000 | $18,010,000 | $15,049,000 |
| Cash And Cash Equivalents | $126,403,000 | $140,088,000 | $139,439,000 | $55,854,000 |
| Cash Financial | $28,511,000 | $35,478,000 | $28,930,000 | $31,977,000 |
| Cash Cash Equivalents And Federal Funds Sold | $126,403,000 | $140,088,000 | $139,439,000 | $55,854,000 |
| Debt | ||||
| Net Debt | $469,697,000 | $456,012,000 | $544,982,000 | $461,521,000 |
| Total Debt | $625,453,000 | $626,796,000 | $717,105,000 | $551,907,000 |
| Long Term Debt And Capital Lease Obligation | $625,453,000 | $626,796,000 | $717,105,000 | $551,907,000 |
| Long Term Debt | $596,100,000 | $596,100,000 | $684,421,000 | $517,375,000 |
| Current Debt And Capital Lease Obligation | - | - | - | $0 |
| Current Debt | - | - | - | $0 |
| Other Current Borrowings | - | - | - | - |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,682,421,000 | $2,534,438,000 | $2,259,327,000 | $1,819,289,000 |
| Payables And Accrued Expenses | $3,788,000 | $3,712,000 | $11,965,000 | $1,390,000 |
| Payables | $3,788,000 | $3,712,000 | $11,965,000 | $1,390,000 |
| Accounts Payable | $3,788,000 | $3,712,000 | $11,965,000 | $1,390,000 |
| Equity | ||||
| Common Stock Equity | $316,549,000 | $280,500,000 | $266,395,000 | $267,700,000 |
| Preferred Stock Equity | $225,000,000 | $225,000,000 | $225,000,000 | $225,000,000 |
| Total Equity Gross Minority Interest | $541,549,000 | $505,500,000 | $491,395,000 | $492,700,000 |
| Stockholders Equity | $541,549,000 | $505,500,000 | $491,395,000 | $492,700,000 |
| Other Equity Interest | $-10,652,000 | $-11,818,000 | $-12,984,000 | $-14,150,000 |
| Gains Losses Not Affecting Retained Earnings | $-10,820,000 | $-15,297,000 | $-15,649,000 | $-17,860,000 |
| Other Equity Adjustments | $-10,820,000 | $-15,297,000 | $-15,649,000 | $-17,860,000 |
| Retained Earnings | $135,332,000 | $107,754,000 | $97,420,000 | $92,955,000 |
| Other | ||||
| Treasury Shares Number | $1,919,029 | $2,227,485 | $2,536,923 | $1,976 |
| Ordinary Shares Number | $22,967,682 | $22,659,226 | $22,349,788 | $24,859,353 |
| Share Issued | $24,886,711 | $24,886,711 | $24,886,711 | $24,861,329 |
| Tangible Book Value | $316,549,000 | $280,500,000 | $266,395,000 | $267,700,000 |
| Invested Capital | $912,649,000 | $876,600,000 | $950,816,000 | $785,075,000 |
| Capital Lease Obligations | $29,353,000 | $30,696,000 | $32,684,000 | $34,532,000 |
| Total Capitalization | $1,137,649,000 | $1,101,600,000 | $1,175,816,000 | $1,010,075,000 |
| Treasury Stock | $6,164,000 | $7,707,000 | $9,747,000 | $2,000 |
| Additional Paid In Capital | $208,604,000 | $207,319,000 | $207,106,000 | $206,508,000 |
| Capital Stock | $225,249,000 | $225,249,000 | $225,249,000 | $225,249,000 |
| Common Stock | $249,000 | $249,000 | $249,000 | $249,000 |
| Preferred Stock | $225,000,000 | $225,000,000 | $225,000,000 | $225,000,000 |
| Long Term Capital Lease Obligation | $29,353,000 | $30,696,000 | $32,684,000 | $34,532,000 |
| Investments And Advances | $365,178,000 | $472,908,000 | $581,650,000 | $640,325,000 |
| Held To Maturity Securities | $272,982,000 | $367,938,000 | $461,748,000 | $510,820,000 |
| Net PPE | $43,221,000 | $45,887,000 | $47,325,000 | $50,869,000 |
| Accumulated Depreciation | $-17,230,000 | $-15,429,000 | $-14,189,000 | $-12,508,000 |
| Gross PPE | $60,451,000 | $61,316,000 | $61,514,000 | $63,377,000 |
| Leases | $17,292,000 | $16,553,000 | $15,982,000 | $15,808,000 |
| Other Properties | $27,583,000 | $29,093,000 | $31,272,000 | $33,423,000 |
| Machinery Furniture Equipment | $9,927,000 | $10,021,000 | $8,611,000 | $8,497,000 |
| Buildings And Improvements | $4,717,000 | $4,717,000 | $4,717,000 | $4,717,000 |
| Land And Improvements | $932,000 | $932,000 | $932,000 | $932,000 |
| Other Short Term Investments | $92,196,000 | $104,970,000 | $119,902,000 | $129,505,000 |
| Line Of Credit | - | - | - | $0 |
Fetched: 2026-06-22
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $54,616,000 | $4,494,000 | $6,082,000 | $9,307,000 |
| Operating Activities | ||||
| Operating Cash Flow | $55,594,000 | $7,212,000 | $6,493,000 | $9,799,000 |
| Cash Flow From Continuing Operating Activities | $55,594,000 | $7,212,000 | $6,493,000 | $9,799,000 |
| Operating Gains Losses | $-1,026,000 | $-1,201,000 | $-558,000 | $230,000 |
| Investing Activities | ||||
| Capital Expenditure | $-978,000 | $-2,718,000 | $-411,000 | $-492,000 |
| Investing Cash Flow | $-219,718,000 | $-294,898,000 | $-332,908,000 | $-777,061,000 |
| Cash Flow From Continuing Investing Activities | $-219,718,000 | $-294,898,000 | $-332,908,000 | $-777,061,000 |
| Net Other Investing Changes | $-127,000 | $-9,791,000 | $5,273,000 | $-18,660,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $0 | $-11,009,000 | $0 |
| Financing Cash Flow | $150,439,000 | $288,335,000 | $411,245,000 | $667,728,000 |
| Cash Flow From Continuing Financing Activities | $150,439,000 | $288,335,000 | $411,245,000 | $667,728,000 |
| Cash Dividends Paid | $-1,125,000 | $-588,000 | $0 | $0 |
| Preferred Stock Dividend Paid | $-1,125,000 | $-588,000 | $0 | $0 |
| Net Common Stock Issuance | $0 | $0 | $-11,009,000 | $2,000 |
| Issuance Of Capital Stock | - | $0 | $0 | $225,002,000 |
| Net Preferred Stock Issuance | - | $0 | $0 | $225,000,000 |
| Preferred Stock Issuance | - | $0 | $0 | $225,000,000 |
| Common Stock Issuance | - | $0 | $0 | $2,000 |
| Net Other Financing Charges | - | - | - | $-1,000,000 |
| Other | ||||
| Repayment Of Debt | $0 | $-88,321,000 | $0 | $-15,090,000 |
| Interest Paid Supplemental Data | $85,638,000 | $94,410,000 | $50,026,000 | $14,987,000 |
| Income Tax Paid Supplemental Data | $8,455,000 | $2,184,000 | $1,006,000 | $173,000 |
| End Cash Position | $126,154,000 | $139,839,000 | $139,190,000 | $54,360,000 |
| Beginning Cash Position | $139,839,000 | $139,190,000 | $54,360,000 | $153,894,000 |
| Changes In Cash | $-13,685,000 | $649,000 | $84,830,000 | $-99,534,000 |
| Proceeds From Stock Option Exercised | $142,000 | $0 | $0 | - |
| Common Stock Payments | $0 | $0 | $-11,009,000 | $0 |
| Net Issuance Payments Of Debt | $0 | $-88,321,000 | $167,046,000 | $396,030,000 |
| Net Long Term Debt Issuance | $0 | $-88,321,000 | $167,046,000 | $396,030,000 |
| Long Term Debt Payments | $0 | $-88,321,000 | $0 | $-15,090,000 |
| Net Investment Purchase And Sale | $102,752,000 | $109,486,000 | $60,954,000 | $-546,994,000 |
| Sale Of Investment | $113,450,000 | $109,486,000 | $60,954,000 | $40,318,000 |
| Purchase Of Investment | $-10,698,000 | $0 | $0 | $-587,312,000 |
| Net PPE Purchase And Sale | $-978,000 | $-2,718,000 | $-411,000 | $-492,000 |
| Purchase Of PPE | $-978,000 | $-2,718,000 | $-411,000 | $-492,000 |
| Change In Working Capital | $15,852,000 | $-14,025,000 | $-4,487,000 | $-2,024,000 |
| Change In Other Current Liabilities | $-4,285,000 | $-6,333,000 | $6,037,000 | $-2,582,000 |
| Change In Other Current Assets | $7,584,000 | $30,000 | $-10,735,000 | $-11,774,000 |
| Change In Payables And Accrued Expense | $76,000 | $-8,253,000 | $10,575,000 | $1,162,000 |
| Change In Payable | $76,000 | $-8,253,000 | $10,575,000 | $1,162,000 |
| Change In Account Payable | $76,000 | $-8,253,000 | $10,575,000 | $1,162,000 |
| Change In Receivables | $-134,000 | $239,000 | $-2,961,000 | $-2,687,000 |
| Changes In Account Receivables | $-134,000 | $239,000 | $-2,961,000 | $-2,687,000 |
| Stock Based Compensation | $4,154,000 | $3,548,000 | $3,028,000 | $2,939,000 |
| Deferred Tax | $-634,000 | $2,169,000 | $1,258,000 | $-7,939,000 |
| Deferred Income Tax | $-634,000 | $2,169,000 | $1,258,000 | $-7,939,000 |
| Depreciation Amortization Depletion | $4,818,000 | $4,737,000 | $4,526,000 | $4,266,000 |
| Depreciation And Amortization | $4,818,000 | $4,737,000 | $4,526,000 | $4,266,000 |
| Net Income From Continuing Operations | $28,703,000 | $10,972,000 | $3,352,000 | $-30,001,000 |
| Gain Loss On Sale Of PPE | - | $0 | $0 | $436,000 |
| Issuance Of Debt | - | - | $167,046,000 | $411,120,000 |
| Long Term Debt Issuance | - | - | $167,046,000 | $411,120,000 |
| Sale Of PPE | - | - | $0 | $0 |
| Asset Impairment Charge | - | - | $-1,481,000 | $17,940,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
Fetched: 2026-06-22