Ponce Financial Group, Inc. PDLB R2K

Financial Services · Banks - Regional · United States

https://www.poncebank.com

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.

Market & Price

Market Cap

$456.67M

Current Price

$18.88

High / Low (52W)

$18.88 / $12.87

Beta

0.51

Valuation

Stock P/E

14.41

Industry PE

12.01

Forward P/E

10.67

PEG Ratio

Book Value

$13.78

Price to Book

1.37

P/S

4.18

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

5.89%

ROA

0.98%

Profit Margin

28.73%

Op Margin

41.17%

EPS (Latest Qtr)

$0.36

EPS (TTM)

$1.31

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$600.53M

Total Assets

$3.22B

Current Assets

Working Capital

Ownership

Promoter Holding

18.19%

Chg in Prom Hold

FII / Inst Holding

49.23%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$1.16B

Total Revenue (TTM)

$109.18M

EBITDA

Free Cash Flow

Operating Cash Flow

$56.39M

Shares Outstanding

24.19M

Gross Margin

0.00%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

15.14%

Profit 5Y

65.22%

Revenue (YoY)

15.10%

Earnings (YoY)

44.00%

PROS

Excellent profit margin of 28.7%.
Compounding revenue at 15.1% over 5 years.
Profit CAGR of 65.2% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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. R2K	18.88	14.41	$456.67M	-	-	5.89%	15.14%	65.22%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	24.20M	26.25M	26.59M	31.30M	30.15M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	21.79M	21.43M	21.60M	20.89M	20.44M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	7.98M	7.99M	8.76M	13.70M	11.37M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.02M	1.89M	2.25M	3.56M	2.75M
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	-	-	5.96M	6.10M	6.51M	10.14M	8.62M
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	-	-	0.25	0.25	0.27	0.42	0.36

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	70.97M	73.87M	81.14M	108.32M
Cost of Revenue	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-
Interest Expense	-	-	-	16.15M	60.60M	86.16M	85.71M
Pretax Income	-	-	-	-36.85M	5.85M	15.69M	38.43M
Tax Provision	-	-	-	-6.84M	2.50M	4.71M	9.73M
Net Income	-5.12M	3.85M	-	-30.00M	3.35M	10.97M	28.70M
Diluted EPS	-0.29	0.23	-	-1.32	0.15	0.46	1.20

Compounded Sales Growth

5 Years:	15.14%
1 Year:	15.10%

Compounded Profit Growth

5 Years:	65.22%
1 Year:	44.00%

Stock Price Performance

1 Year:	+41.00%
6 Months:	+17.93%
3 Months:	+16.18%
1 Month:	+8.07%

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	-	2.31B	2.75B	3.04B	3.22B
Current Assets	-	-	-	-	-	-	-	-
Cash & Equivalents	-	-	72.08M	-	55.85M	139.44M	140.09M	126.40M
Inventory	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	15.05M	18.01M	17.77M	17.91M
Total Liabilities	-	-	1.20B	-	1.82B	2.26B	2.53B	2.68B
Current Liabilities	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	517.38M	684.42M	596.10M	596.10M
Total Debt	-	-	-	-	551.91M	717.11M	626.80M	625.45M
Total Equity	169.17M	158.40M	159.54M	-	492.70M	491.39M	505.50M	541.55M
Shares Outstanding	-	-	-	-	24.86M	24.89M	24.89M	24.89M

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	-	9.80M	6.49M	7.21M	55.59M
Investing Cash Flow	-38.67M	-204.60M	-	-777.06M	-332.91M	-294.90M	-219.72M
Financing Cash Flow	-8.48M	276.50M	-	667.73M	411.25M	288.33M	150.44M
Capital Expenditure	-3.82M	-1.90M	-	-492.00K	-411.00K	-2.72M	-978.00K
Free Cash Flow	1.23M	-29.40M	-	9.31M	6.08M	4.49M	54.62M
Net Change in Cash	-	-	-	-99.53M	84.83M	649.00K	-13.69M
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 %	-	-	-	-42.3%	4.5%	13.5%	26.5%
ROE %	-3.2%	2.4%	-	-6.1%	0.7%	2.2%	5.3%
ROCE %	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

18.19%

Institutions

49.23%

Public Float

60.18%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	M3F, Inc.	8.28%	2.00M	$37.83M
2	T. Rowe Price Investment Management, Inc.	7.88%	1.91M	$35.97M
3	Blackrock Inc.	6.70%	1.62M	$30.62M
4	Dimensional Fund Advisors LP	3.88%	939.10K	$17.73M
5	Vanguard Capital Management LLC	3.60%	870.37K	$16.43M
6	Bank of America Corporation	2.09%	504.56K	$9.53M
7	Geode Capital Management, LLC	1.92%	463.31K	$8.75M
8	State Street Corporation	1.40%	338.92K	$6.40M
9	Alliancebernstein L.P.	1.19%	289.03K	$5.46M
10	Empirical Finance, LLC	1.02%	247.39K	$4.67M

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