NASDAQ · Banks - Regional

PDLB (PDLB) Stock

$19.92 -1.78% NASDAQ: PDLB Financial Services

Valuation

MetricValue
Price$19.92
Market Cap$481.82M
P/E Ratio15.03
P/B Ratio0.80
P/S Ratio2.22
EPS (TTM)$1.19
52-Week High$20.76
52-Week Low$13.10
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE5.35%
ROA0.90%
ROCE7.38%
Gross Margin20.10%
Operating Margin20.62%
Net Margin15.76%
Debt/Equity1.09
Current Ratio0.12

Annual Financials (USD)

Metric20212022202320242025
Revenue$78.0M$87.0M$134.0M$167.0M$194.0M
Operating Profit$34.0M$-37.0M$6.0M$16.0M$40.0M
Net Profit$25.0M$-30.0M$3.0M$11.0M$29.0M
EPS$1.51$-1.32$0.15$0.46$1.19
Op Margin43.3%-42.3%4.3%9.4%20.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$1.7B$2.3B$2.8B$3.0B$3.2B
Total Liabilities$1.5B$1.8B$2.3B$2.5B$2.7B
Cash$156.0M$56.0M$139.0M$140.0M$126.0M
Borrowings$121.0M$552.0M$717.0M$627.0M$625.0M

Latest News

Zacks.com featured highlights include Ponce Financial, Credo Technology, Interface, Ciena and Citizens Financial Services Zacks · Jul 6, 2026 5 High-Efficiency Stocks With Strong Profit Potential to Buy Now Zacks · Jul 2, 2026 Here's Why Momentum in Ponce Financial (PDLB) Should Keep going Zacks · Jun 29, 2026 Here's What Could Help Ponce Financial (PDLB) Maintain Its Recent Price Strength Zacks · Jun 12, 2026 Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable Zacks · May 27, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$19.0M$10.0M$6.0M$7.0M$56.0M
Investing Cash Flow$-215.0M$-778.0M$-333.0M$-298.0M$-221.0M
Financing Cash Flow$296.0M$47.0M$244.0M$377.0M$151.0M
Net Cash Flow$82.0M$-100.0M$85.0M$1.0M$-14.0M
Free Cash Flow$14.0M$9.0M$6.0M$4.0M$55.0M

Valuation & Return Ratios

MetricValue
PEG Ratio—
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y42.01%
Return 3Y108.05%
Return 5Y111.06%

Ownership

Insiders Held18.19%
Institutions Held49.23%
Institutions Float Held60.18%
Institutional HolderSharesReport Date
M3F, Inc.2,003,9602026-03-31
T. Rowe Price Investment Management, Inc.1,905,1472026-03-31
Blackrock Inc.1,621,7512026-03-31
Dimensional Fund Advisors LP939,1002026-03-31
Vanguard Capital Management LLC870,3662026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BCML $29.85 +0.07% 14.22 $325.64M 3.39%
BWFG $65.46 -0.43% 11.52 $521.92M 1.54%
CZNC $25.32 -0.08% 14.51 $453.65M 5.29%
FMAO $33.89 -0.18% 7.72 $466.60M 3.35%
MVBF $30.25 -0.07% 12.54 $388.71M 2.67%

About PDLB

PDLB is led by CEO Carlos Naudon, employs 211 people, headquartered in US, publicly traded since 2017.

PDLB stock trades at $19.92 with a market capitalization of $481.82M. The stock is valued at a price-to-earnings (P/E) ratio of 15.03, price-to-book of 0.80, price-to-sales of 2.22. Over the past 52 weeks the stock has ranged between $13.10 and $20.76, and currently trades 4.0% below its 52-week high.

On profitability, PDLB generates a return on equity (ROE) of 5.35%, return on capital employed of 7.38%, an operating margin of 20.62%, a net profit margin of 15.76%.

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