NASDAQ · Banks - Regional

Ponce Financial Group, Inc. (PDLB) Stock

$20.13 -0.25% NASDAQ: PDLB Financial Services

Valuation

MetricValue
Price$20.13
Market Cap$486.90M
P/E Ratio14.33
P/B Ratio0.84
P/S Ratio2.41
EPS (TTM)$1.19
52-Week High$21.10
52-Week Low$11.15
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE6.18%
ROA0.97%
ROCE7.73%
Gross Margin20.10%
Operating Margin20.62%
Net Margin16.51%
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 Ratio0.15
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
BCBPBCB Bancorp, Inc. (NJ) $8.12 -2.29% -7.66 $140.99M 3.76%
CBFVCB Financial Services, Inc. $37.55 -1.65% 25.77 $190.81M 3.04%
EBMTEagle Bancorp Montana, Inc. $20.97 +1.40% 10.32 $167.04M 2.78%
FISIFinancial Institutions, Inc. $39.31 +0.10% 9.72 $774.66M 3.27%
HBCPHome Bancorp, Inc. $65.90 +0.05% 11.18 $518.68M 1.90%

About Ponce Financial Group, Inc.

Ponce Financial Group, Inc. is led by CEO Carlos Naudon, employs 211 people, headquartered in US, publicly traded since 2017.

Ponce Financial Group, Inc. (PDLB) stock trades at $20.13 with a market capitalization of $486.90M. The stock is valued at a price-to-earnings (P/E) ratio of 14.33, price-to-book of 0.84, price-to-sales of 2.41. Over the past 52 weeks the stock has ranged between $11.15 and $21.10, and currently trades 4.6% below its 52-week high.

On profitability, Ponce Financial Group, Inc. generates a return on equity (ROE) of 6.18%, return on capital employed of 7.73%, an operating margin of 20.62%, a net profit margin of 16.51%.

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