Ponce Financial Group, Inc.

Ponce Financial Group, Inc.

PDLB
Ponce Financial Group, Inc.US flagNASDAQ Global Market
20.76
USD
+0.04
- -
502.14MMarket Cap
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
3.57
3.54
1.87
2.17
2.3
2.97
4.14
3.13
3.25
3.62
4.76
5.21
Basic EPS, GAAP
0.3
0.17
-0.24
0.15
-0.29
0.23
1.52
-1.32
0.15
0.46
1.21
1.42
Free Cash Flow per Basic Share
0.6
0.46
0.32
0.12
0.07
-1.76
0.86
0.41
0.27
0.2
2.4
2.52
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.03
0.05
0.05
Book Value per Share
10.96
11.19
8.93
9.16
9.08
9.32
10.86
10.77
11.92
12.38
13.78
13.89
Tangible Book Value per Share
10.94
11.19
8.93
9.16
9.08
9.32
10.86
10.77
11.92
12.38
13.78
13.89
Basic Weighted Avg Shares
8
8
18
18
17
17
17
23
23
22
23
23
Sales/Revenue/Turnover
30
29
35
39
40
50
69
71
74
81
108
119
Operating Margin (%)
12.92
8.27
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
2
2
2
2
3
2
4
5
5
5
5
Net Income, GAAP
3
1
-4
3
-5
4
25
-30
3
11
29
34
Effective Tax Rate (%)
34.31
41.36
- -
29.52
- -
26.4
24.41
- -
42.73
30.05
25.31
25.2
Profit Margin (%)
8.48
4.85
-12.69
6.9
-12.77
7.77
36.66
-42.27
4.54
13.52
26.5
28.27
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
8
3
16
44
93
30
106
552
717
627
625
650
Total Equity
91
93
165
169
158
160
189
493
491
506
542
561
Return on Invested Capital (%)
- -
1.44
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
1.55
-3.4
1.6
-3.13
2.42
14.57
-13.13
1.26
3.78
9.24
10.33

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
596
571
621
LT Finance Leases
29
29
29
Preferred Equity and Hybrid Capital
225
225
225
Shares Outstanding
23
23
24
Market Capitalization
376
385
482

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
219
205
225
Accounts Receivable, Net
18
19
20
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
4
4
4
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
26.5%
37.74%
7.13%
Free Cash Flow
-169.49%
174.07%
1,115.31%
Net Income, GAAP
-45.96%
123.87%
161.6%
Sales/Revenue/Turnover
14.55%
17.92%
33.5%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
20
20
20
22
81
2025
24
26
27
31
108
2026
30
31
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.11
0.14
0.1
0.12
0.46
2025
0.25
0.26
0.27
0.43
1.21
2026
0.36
0.36
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
0.01
0.01
0.03
2025
0.01
0.01
0.01
0.01
0.05
2026
0.01
0.01
- -
- -
- -

Company Description

APIChatGPT
CEO
Carlos Naudon
Full Time Employees
216
Sector
Financial Services
Industry
Banks - Regional
Address
2244 Westchester Avenue Bronx NY United States of America 10462
IPO Date
Oct 2, 2017
Business
Ponce Financial Group, Inc. (Nasdaq: PDLB) operates as the holding company for Ponce Bank, a federally chartered national savings association and certified Community Development Financial Institution (CDFI) and Minority Depository Institution (MDI) that provides community-focused banking products and services primarily in the New York City metropolitan area; core offerings include various deposit products such as checking, savings, money market, and certificate of deposit accounts, alongside lending solutions encompassing one-to-four family residential mortgages (investor-owned and owner-occupied), multifamily residential loans, nonresidential property loans, construction and land loans, commercial and industrial business loans, consumer loans, and small business loans through initiatives like Prosper; the Bank also invests in securities including U.S. government and agency obligations, mortgage-backed securities, corporate bonds, and Federal Home Loan Bank of New York stock. Founded in 1960 by migrants from Puerto Rico and headquartered in the Bronx, New York, the company serves low-to-moderate income (LMI) and immigrant communities with over 75% of its loans directed to these areas, ranking #1 nationwide among CDFIs for housing focus, #2 in LMI community loans, and #5 in total loans according to the National Community Investment Fund. Recent developments include the conversion of Ponce Bank to a national association charter in October 2025, the launch of Ponce Bank Direct as a digital banking platform offering competitive CD rates and small business services, a $20 million low-cost deposit investment from Mizuho Bank (USA) in 2023 to expand community lending impact, and a $50,000 Federal Home Loan Bank of New York grant award in November 2025 supporting recovery for 12 small businesses.

Company News

APIChatGPT
  • Dimensional Fund Advisors LP Has $15.69 Million Position in Ponce Financial Group, Inc. $PDLB

  • Ponce Bank Welcomes José L. Orengo and Edward Delatorre Jr. to Its Board of Directors

  • Ponce Financial (PDLB) Q2 Earnings Lag Estimates

  • Ponce Financial Group, Inc. Reports Second Quarter 2026 Results

  • Ponce Financial (PDLB) Is a Great Choice for 'Trend' Investors, Here's Why

  • 5 High-Efficiency Stocks With Strong Profit Potential to Buy Now

  • Here's Why Momentum in Ponce Financial (PDLB) Should Keep going

  • Ponce Financial (PDLB) is on the Move, Here's Why the Trend Could be Sustainable

  • Best Momentum Stock to Buy for May 26th

  • Ponce Financial (PDLB) Surpasses Q1 Earnings and Revenue Estimates

  • Ponce Financial Group, Inc. Reports First Quarter 2026 Results

  • Ponce Financial Group, Inc. Reports First Quarter 2026 Results

  • Ponce Financial Group's Quality Shines Through (Upgrade)

  • Ponce Bank Ranked Among Top 50 Best-Performing U.S. Community Banks by S&P Global Market Intelligence

  • Comparing Oaktree Specialty Lending (NASDAQ:OCSL) & Ponce Financial Group (NASDAQ:PDLB)

  • Ponce Financial Group, Inc. Appoints New Member to the Board of Directors

  • Ponce Financial Group, Inc. Reports Fourth Quarter 2025 Results

  • Ponce De Leon Foundation Awarded Grants in the Amount of $635,000 to Nonprofits

  • Ponce Bank N.A. Announces Appointment of Marlene Cintron to Board of Directors

  • Recent Price Trend in Ponce Financial (PDLB) is Your Friend, Here's Why