Ponce Financial Group, Inc.
- Open
- 20.45
- Day high
- 20.45
- Day low
- 20.02
- Prev close
- 20.25
- Volume
- 70K
- Mkt cap
- $462M
- P/E (TTM)
- 15.2
- EPS (TTM)
- $1.32
- P/B
- 0.8
- P/S
- 2.3
- Yield
- —
- Per share
- —
Ponce Financial Group, Inc. (PDLB) is a Financial Services company listed on NASDAQ. The stock is up 44% over the past year.
Ponce Financial Group, Inc. (PDLB) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
PDLB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $0.27 | $0.36 | +33.3% | $30M | +13.4% |
| Jan 27, 2026 | $0.28 | $0.42 | +50.0% | $52M | — |
| Oct 24, 2025 | $0.22 | $0.27 | +22.7% | $48M | — |
| Jul 25, 2025 | $0.17 | $0.25 | +47.1% | $48M | — |
| Apr 25, 2025 | $0.09 | $0.25 | +177.8% | $46M | — |
| Jan 28, 2025 | $0.09 | $0.12 | +33.3% | $44M | — |
| Apr 30, 2024 | $0.02 | $0.11 | +466.7% | $41M | — |
| Mar 19, 2024 | — | $0.02 | — | $36M | — |
| Jul 28, 2023 | $-0.10 | $-0.00 | +96.3% | $17M | +14.7% |
| Mar 1, 2023 | $0.05 | $-0.40 | -895.4% | $16M | -7.4% |
| Oct 28, 2022 | $-0.00 | $-0.03 | -3091.5% | $23M | — |
| Jul 29, 2022 | $0.01 | $0.03 | +122.2% | $19M | -12.9% |
PDLB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Feb 13, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Option | 2,000 | $10.52 |
| Feb 13, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Option | 4,000 | $13.31 |
| Feb 13, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Option | 2,929 | $10.44 |
| Feb 13, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Sell | 10,929 | $16.81 |
| Feb 10, 2026 | Campiz Betty Yolainyofficer: EVP and Chief Banking Officer | Grant | 10,000 | — |
| Feb 10, 2026 | Campiz Betty Yolainyofficer: EVP and Chief Banking Officer | Grant | 12,500 | $16.87 |
| Feb 10, 2026 | Campiz Betty Yolainyofficer: EVP and Chief Banking Officer | Grant | 2,500 | $19.91 |
| Feb 10, 2026 | DeLeon Melissa Antoniaofficer: Chief Human Resources Officer | Grant | 5,000 | — |
| Feb 10, 2026 | DeLeon Melissa Antoniaofficer: Chief Human Resources Officer | Grant | 1,000 | $18.89 |
| Jan 26, 2026 | Marquez Madeline V.officer: Chief External Affairs Officer | Grant | 5,000 | $16.88 |
| Jan 26, 2026 | Marquez Madeline V.officer: Chief External Affairs Officer | Grant | 1,000 | $19.24 |
| Jan 26, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Grant | 5,000 | — |
| Jan 26, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Grant | 7,500 | $16.88 |
| Jan 26, 2026 | Kouzilos Ioannisofficer: EVP & Chief Lending Officer | Grant | 1,500 | $18.57 |
| Jan 26, 2026 | Vaccaro Sergio Javierofficer: Chief Financial Officer | Grant | 10,000 | — |
Source: PDLB SEC Form 4 filings, latest Feb 13, 2026. For informational purposes only — not investment advice.
See the full PDLB insider & 13F page →Ponce Financial Group, Inc. company profile
Overview
Ponce Financial Group, Inc. (NASDAQ:PDLB) is a regional bank holding company founded in 1960 and headquartered in the Bronx, New York. The company operates through its subsidiary Ponce Bank, serving primarily Hispanic and immigrant communities across the New York metropolitan area and northern New Jersey. As a Community Development Financial Institution (CDFI), Ponce Bank has historically focused on providing banking services to underserved communities, particularly in areas with significant Latino populations. The bank went public in October 2017 and currently operates 16 locations including full-service banking offices and mortgage loan offices across the Bronx, Manhattan, Queens, Brooklyn, and New Jersey.
Business
Ponce Financial Group operates as a traditional community bank serving retail customers, small businesses, and real estate investors primarily in New York City's outer boroughs and northern New Jersey. The company operates in the regional banking industry, which involves accepting customer deposits and using those funds to make loans to individuals and businesses in the local community. The bank's core services include deposit products such as checking accounts (demand accounts), savings accounts, money market accounts, and certificates of deposit. These products allow customers to safely store their money while earning interest, and provide the bank with funding for its lending operations. On the lending side, Ponce Bank specializes in several key areas: residential real estate loans for both owner-occupied homes and investment properties, multifamily residential loans for apartment buildings and other rental properties, commercial real estate loans for business properties, and construction and land development loans. The bank also provides traditional commercial and industrial loans to local businesses, consumer loans for personal needs, and lines of credit for flexible borrowing. Additionally, the bank maintains an investment securities portfolio consisting of U.S. Government securities, federal agency bonds, mortgage-backed securities, corporate bonds, and Federal Home Loan Bank stock. This portfolio provides additional income and helps manage the bank's liquidity and interest rate risk.
Revenue model
Ponce Financial Group makes money through the traditional banking model of net interest income - the difference between what it pays depositors for their funds and what it charges borrowers for loans. The bank's customers are primarily individual depositors seeking safe places to store money, and borrowers including homebuyers, real estate investors, small business owners, and commercial property developers. The bank also generates non-interest income from various fees including loan origination fees, account service charges, and other banking services. Based on recent financial data, the company generates approximately $40-43 million in quarterly revenue, with the majority coming from interest income on loans and securities. Several factors can significantly impact the bank's profitability margins. Interest rate environment is the most critical factor - when rates rise, the bank can charge more for new loans, but it also must pay more for deposits, with the net effect depending on the timing and repricing characteristics of assets versus liabilities. Credit quality directly affects margins through loan loss provisions - economic downturns or local real estate market weakness could increase defaults and reduce profitability. Regulatory compliance costs can pressure margins, particularly for smaller banks that must spread fixed compliance expenses over a smaller asset base. Competition from larger banks and fintech companies can compress both lending margins and deposit rates. Finally, the bank's concentration in New York City real estate markets makes it particularly sensitive to local economic conditions and property values.
Competitive moat
Ponce Financial Group operates with a relatively narrow economic moat, typical of smaller regional banks. The company's primary competitive advantage lies in its community focus and cultural specialization, serving Hispanic and immigrant communities that may be underserved by larger, less culturally attuned institutions. This creates some customer loyalty and local market knowledge that larger competitors may struggle to replicate. The bank's CDFI designation provides access to certain government programs and funding sources that can offer competitive advantages, including lower-cost funding for community development lending. Additionally, the bank's long-standing presence in specific New York neighborhoods since 1960 has created some local brand recognition and relationship-based banking that can be valuable in retaining customers. However, these moats are relatively weak. The banking industry faces intense competition from much larger institutions with superior technology platforms, broader product offerings, and economies of scale that allow for better pricing. Digital disruption from fintech companies threatens traditional banking relationships, particularly among younger customers who may be less tied to physical branch locations. Regulatory advantages are limited - while CDFI status provides some benefits, it doesn't create sustainable competitive barriers. The bank's small size (approximately $3 billion in assets) limits its ability to compete on pricing, technology investment, and product breadth compared to regional and national banks. Geographic concentration in the New York market, while providing local expertise, also creates vulnerability to regional economic downturns.
Risks & safety
The margin of safety appears moderate with some concerns around profitability consistency and interest rate sensitivity. • Liquidity and Solvency: Cash position of $140 million provides reasonable liquidity buffer; debt-to-equity ratio of 1.24x is typical for banks but indicates moderate leverage; no immediate solvency concerns given regulatory capital requirements for banks • Profitability Volatility: Net income swung from -$30 million loss in 2022 to $11 million profit in 2024, indicating earnings instability; quarterly net income ranges from $2.4-3.2 million showing modest but inconsistent profitability • Valuation Metrics: Trading at 0.58x book value suggests potential undervaluation; P/E ratio of 25x appears reasonable for a regional bank; however, low return on equity of 2.2% indicates weak profitability relative to shareholder capital • Operational Concerns: Negative operating cash flow in Q1 and Q3 2024 raises questions about operational efficiency; small scale limits economies of scale and competitive positioning against larger banks
Recent development
Based on the available financial data, Ponce Financial Group has been working to stabilize operations following a significant loss in 2022. The bank appears to have successfully returned to profitability in 2024 with net income of approximately $11 million for the full year, compared to a $30 million loss in 2022. This recovery suggests management has addressed whatever operational or credit issues caused the 2022 losses. The bank has been managing its balance sheet growth, with total assets increasing from $2.3 billion in 2022 to over $3 billion by 2024. This growth appears to be primarily driven by loan portfolio expansion, consistent with the bank's core community lending mission. The company has maintained its focus on real estate lending, which continues to represent a significant portion of its loan portfolio. Cash management has been a key focus, with the bank maintaining substantial cash positions ranging from $103-156 million in recent quarters, providing flexibility for lending opportunities and regulatory requirements. The bank appears to be emphasizing operational efficiency improvements, as evidenced by the return to consistent profitability after the 2022 difficulties.
PDLB company profile · for informational purposes only — not investment advice.
Track PDLB with Drillr
SEC filings, earnings calls, insider activity, alt-data signals — all queryable through Drillr's AI terminal and MCP API.
Try Drillr for free