Ponce Financial Group, Inc. PDLB R2KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 49.4% per year over the last five years.
Trades at an undemanding P/E of 14.7.
Maintains a net profit margin of 29.7%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +18.4%, earnings +40.0%.
- 5-Year Trend Long-term compounding — profit CAGR 49.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 18.40% |
Compounded Profit Growth
| 5 Years: | 49.43% |
| 1 Year: | 40.00% |
Stock Price Performance
| 1 Year: | +38.97% |
| 6 Months: | +26.50% |
| 3 Months: | +9.05% |
| 1 Month: | +2.83% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)57.60 · Neutral
P/E of 14.70 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.7%.
- Profit CAGR of 49.4% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | PDLB Ponce Financial Group, Inc. R2KFINANCIAL | 20.72 | 14.70 | $501.17M | 0.00% | - | 6.24% | - | 49.43% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | -1.21M | -571.00K | 4.01M | 1.63M | 2.45M | 5.93M | 2.05M | 14.98M | -6.82M | 771.00K | -14.74M | -9.21M | 331.00K | -87.00K | 2.59M | 518.00K | 2.41M | 3.19M | 2.43M | 5.96M | 6.10M | 6.51M | 8.62M | 8.49M |
| Diluted EPS | -0.07 | -0.03 | 0.24 | 0.10 | 0.15 | 0.35 | 0.12 | 0.89 | -0.31 | 0.03 | -0.64 | -0.40 | 0.01 | 0.00 | 0.12 | 0.02 | 0.11 | 0.14 | 0.10 | 0.25 | 0.25 | 0.27 | 0.36 | 0.35 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Net Income | -5.12M | 3.85M | 25.41M | -30.00M | 3.35M | 10.97M | 28.70M |
| Diluted EPS | -0.29 | 0.23 | 1.51 | -1.32 | 0.15 | 0.46 | 1.20 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.36B | 1.65B | 2.31B | 2.75B | 3.04B | 3.22B |
| Total Equity | 169.17M | 158.40M | 159.54M | 189.26M | 492.70M | 491.39M | 505.50M | 541.55M |
| Cash & Equivalents | - | - | 72.08M | 153.89M | 54.36M | 139.19M | 139.84M | 126.15M |
| Long Term Debt | - | - | - | - | 517.38M | 684.42M | 596.10M | 596.10M |
| Total Liabilities | - | - | 1.20B | 1.46B | 1.82B | 2.26B | 2.53B | 2.68B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 5.05M | -27.50M | 18.55M | 9.80M | 6.49M | 7.21M | 55.59M |
| Investing Cash Flow | -38.67M | -204.60M | -211.14M | -777.06M | -332.91M | -294.90M | -219.72M |
| Financing Cash Flow | -8.48M | 276.50M | 274.40M | 667.73M | 411.25M | 288.33M | 150.44M |
| Capital Expenditure | -3.82M | -1.90M | -4.17M | -492.00K | -411.00K | -2.72M | -978.00K |
| Free Cash Flow | 1.23M | -29.40M | 14.38M | 9.31M | 6.08M | 4.49M | 54.62M |
| Share Buybacks | 15.76M | 4.71M | 1.61M | - | 11.01M | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | - |
| ROE % | -3.2% | 2.4% | 13.4% | -6.1% | 0.7% | 2.2% | 5.3% |
| ROCE % | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | T. Rowe Price Investment Management, Inc. | 7.91% | 1.91M | $39.12M |
| 2 | Blackrock Inc. | 7.17% | 1.74M | $35.49M |
| 3 | M3F, Inc. | 7.02% | 1.70M | $34.74M |
| 4 | Dimensional Fund Advisors LP | 3.95% | 954.54K | $19.52M |
| 5 | Vanguard Capital Management LLC | 3.63% | 877.78K | $17.95M |
| 6 | Bank of America Corporation | 2.10% | 508.10K | $10.39M |
| 7 | Geode Capital Management, LLC | 2.05% | 496.28K | $10.15M |
| 8 | State Street Corporation | 1.57% | 380.81K | $7.79M |
| 9 | Alliancebernstein L.P. | 1.48% | 358.48K | $7.33M |
| 10 | American Century Companies Inc | 0.97% | 234.91K | $4.80M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for PDLB
Ponce Financial (PDLB) Is a Great Choice for 'Trend' Investors, Here's Why - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMinwFBVV95cUxOZkplcWFBWjRGMGlFSkNMcXM2VFpjSVEyaEY4cHNXTlU1T0g4QkVlWUd2a3BLNVVWT09yc3RRaFp0UWprZHFlZDhrWDdJY3k1R2RCcGNzTGlDZUNlSUNxMU8zRDktSEFoT0g1eWttRFFTVkZiT3c2ZHd2MjM5RlVVQVBxZ2YwUEVWUkNFcG…
Ponce Financial Group Remains Compelling Even After Its Impressive Rise (PDLB) - Seeking Alpha
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How (PDLB) Movements Inform Risk Allocation Models - Stock Traders Daily
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Bronx-based Ponce Bank lands in S&P's top 50 U.S. community banks - Stock Titan
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Ponce Financial Group (PDLB) Edges Up 0.95% as Shares Set Between Key Levels - Catalyst Driven Stocks - dars.gov.et
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Ponce Financial reports $8.5 million second quarter 2026 net income - quiverquant.com
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PDLB — Frequently Asked Questions
What is the current share price of Ponce Financial Group, Inc. (PDLB)?
As of 2026-09-07 16:24 PDT, Ponce Financial Group, Inc. (PDLB) trades at $20.72 on NasdaqGM. Its 52-week range is $14.02 to $20.76.
What is the market capitalisation of PDLB?
Ponce Financial Group, Inc. (PDLB) has a market capitalisation of $501.17M on NasdaqGM.
What is the P/E ratio of PDLB?
PDLB trades at a trailing price-to-earnings (P/E) ratio of 14.70. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.49.
What is the return on equity (ROE) of PDLB?
PDLB has a return on equity (ROE) of 6.24%.
Is PDLB a good stock to buy?
This page provides a data-driven analysis of Ponce Financial Group, Inc. (PDLB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.