Ponce Financial Group, Inc.
PDLB
NASDAQ·Financial Services·Banks - Regional·Mkt cap $501.2M
$20.72
▲ +1.07%
P/E
14.70
Mkt Cap
$501.2M
52-Wk Range
$13.91–$21.10
52-Week Range
$13.91 - $21.10
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 39.9% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established 60+ year history and brand recognition in New York/New Jersey markets
- Strategic geographic footprint with 13 banking offices in high-density NYC boroughs and New Jersey
- Deep community relationships enabling access to underserved borrower segments
- Diversified loan portfolio across residential, commercial, and consumer segments reducing concentration risk
- Stable local deposit base providing low-cost funding advantage over larger national competitors
Bear Case
1 risk
- Low volatility (beta 0.5).
Growth
Revenue decline expected
Steady revenue growth (16% YoY)
Value
Valued in line with Commercial Banking peers (1.1x).
Momentum
Strong
+9.7% over 3m
Quality
Strong
High-growth business (50% revenue growth, 56% gross margin). Profitable with strong growth momentum.
Dividend
None
No dividend
Smart-money signal
Who's buying PDLB right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 23, 2026
JUL 27, 2026
Reported EPS of $0.35 vs $0.37 consensus (-5.4% surprise). Revenue of $31.6M vs $30.9M expected (+2.2%).
EPS surprise · last 4Q
0 of 1 beats
Estimate
Actual
Q3 26
-5.4%
Revenue trend · last 8Q
—
+23%
+22%
+34%
+36%
+135%
+6%
+12%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$19.6M
$22.2M
$46.0M
$47.7M
$48.3M
$52.3M
$48.7M
$53.2M
Margins · last 8Q
Gross
55.4%
Operating
21.3%
Profit
16.0%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How PDLB stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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