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Ponce Financial Group, Inc. (PDLB)

Profile

Full Name

Ponce Financial Group, Inc.

Ticker

NASDAQ: PDLB

Exchange

NASDAQ

Sector

Financial Services

Industry

Regional Banks

Country

United States

IPO

October 2, 2017

Indexes

Not included

Website

https://www.poncebank.com

Employees

206

Key Details

Price

$14.81(+0.41%)

Market cap

$337.16M(Small cap)

Last Dividend

-

TTM Dividend yield

-

Annual revenue

$170.05M(+27.46% YoY)

Annual EPS

$0.46(+206.67% YoY)

PE ratio

20.57

Next earnings date

Oct 30, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

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    Analyst ratings

    Price

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    Current Price

    $14.81
    PDLB price is $14.81

    30-Day Relative Volume

    1.35
    PDLB 30-day relative volume is 1.35

    Price Performance

    Price Most recent change

    +0.41%
    PDLB price was up +0.41% on Sep 16, 2025

    Price YTD change

    +13.92%
    PDLB price is up +13.92% since January 1st

    Price 1-year change

    +28.45%
    PDLB price is up +28.45% year-on-year

    Price 3-year change

    +55.08%
    PDLB price is up +55.08% over the past 3 years

    Price Range

    Price All-time high

    $15.21
    PDLB price is currently -2.63% below its historical high of $15.21

    Price 3-year low

    $6.51
    PDLB price is currently +127.50% above its 3-year low

    Capitalization

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    Market cap

    Market cap

    $337.16M
    PDLB market capitalization is $337.16 million

    Market cap 3-year change

    +52.89%
    PDLB market capitalization is up +52.89% over the past 3 years

    Market cap All-time high

    $341.49M
    PDLB market capitalization is currently -1.27% below its historical high of $341.49 million

    Market cap sector rank

    42.82%
    PDLB market capitalization is higher than 42.82% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    +1.44%
    PDLB shares outstanding is up +1.44% year-on-year

    Shares Outstanding 3-Year Change

    -1.41%
    PDLB shares outstanding is down -1.41% over the past 3 years

    Technical Indicators

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    Beta

    0.63
    PDLB beta is 0.63

    200-day SMA

    $13.36
    PDLB price is currently +10.87% above its 200-day simple moving average

    50-day SMA

    $14.43
    PDLB price is currently +2.66% above its 50-day simple moving average

    RSI

    54.89
    PDLB 14-day relative strength index is 54.89

    Volume

    1.35
    PDLB 30-day relative volume is 1.35

    ATR

    $0.25
    PDLB average true range is $0.25

    10-day Historical Volatility

    13.72%
    PDLB 10-day historical volatility is 13.72%

    Dividend

    Income Statement

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    Revenue

    Revenue

    $170.05M
    PDLB annual revenue is $170.05 million

    Revenue Analysts estimate

    -
    PDLB annual revenue consensus analysts' forecast is unknown

    Revenue 1-year change

    +27.46%
    PDLB annual revenue is up +27.46% year-on-year

    Revenue Sector rank

    57.48%
    PDLB annual revenue is higher than 57.48% of companies in Financial Services sector

    EPS

    EPS

    $0.46
    PDLB annual earnings per share is $0.46

    EPS Analysts estimate

    $0.93
    PDLB annual earnings per share is currently -50.54% lower than the consensus analysts' forecast

    EPS 1-year change

    +206.67%
    PDLB annual earnings per share is up +206.67% year-on-year

    EPS Sector rank

    41.59%
    PDLB annual earnings per share is higher than 41.59% of companies in Financial Services sector

    Profit

    Gross profit

    $0.00
    PDLB annual gross profit is $0.00

    Gross margin

    0.00%
    PDLB annual gross profit margin is 0.00%

    Operating profit

    $15.69M
    PDLB annual operating income is $15.69 million

    Operating margin

    9.22%
    PDLB annual operating profit margin is 9.22%

    Net income

    $10.97M
    PDLB annual net profit is $10.97 million

    Net margin

    13.52%
    PDLB annual net profit margin is 13.52%

    Expenses

    Total expenses

    $159.08M
    PDLB annual total expenses is $159.08 million

    Operating expenses

    $34.55M
    PDLB annual total operating expenses is $34.55 million

    Cost of goods sold

    -
    PDLB annual cost of goods sold value is unknown

    Selling, general & administrative expenses

    $34.35M
    PDLB annual SGA is $34.35 million

    Depreciation and amortization

    $4.74M
    PDLB annual depreciation & amortization is $4.74 million

    Interest expense

    $86.16M
    PDLB annual interest expense is $86.16 million

    Income tax

    $4.71M
    PDLB annual income tax is $4.71 million

    EBIT & EBITDA

    EBIT

    $101.84M
    PDLB annual earnings before interest & taxes is $101.84 million

    EBITDA

    $106.58M
    PDLB annual EBITDA is $106.58 million

    Balance Sheet

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    Assets

    Total assets

    $3.06B
    PDLB annual total assets is $3.06 billion

    Non current assets

    $2.84B
    PDLB annual long term assets is $2.84 billion

    Current assets

    $262.83M
    PDLB annual total current assets is $262.83 million

    Cash and cash equivalents

    $140.09M
    PDLB annual cash & cash equivalents is $140.09 million

    Accounts receivable

    $17.77M
    PDLB annual accounts receivable is $17.77 million

    Inventory

    -
    PDLB annual inventory value is unknown

    Liabilities

    Total liabilities

    $2.55B
    PDLB annual total liabilities is $2.55 billion

    Long term liabilities

    $2.51B
    PDLB annual total long term liabilities is $2.51 billion

    Current liabilities

    $3.71M
    PDLB annual total current liabilities is $3.71 million

    Accounts payable

    $3.71M
    PDLB annual accounts payable is $3.71 million

    Debt

    Total debt

    $626.80M
    PDLB annual total debt is $626.80 million

    Total debt 1-year change

    -12.59%
    PDLB annual total debt is down -12.59% year-on-year

    Long term debt

    $522.82M
    PDLB annual long term debt is $522.82 million

    Short term debt

    $103.98M
    PDLB annual short term debt is $103.98 million

    Equity & Capital

    Shareholders equity

    $505.50M
    PDLB annual stockholders equity is $505.50 million

    Book value

    $280.50M
    PDLB annual book value is $280.50 million

    Retained earnings

    $107.75M
    PDLB annual retained earnings is $107.75 million

    Working capital

    $259.12M
    PDLB annual working capital is $259.12 million

    Cash Flow Statement

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    Cashflow Activities

    Cash from operations

    $7.21M
    PDLB annual cash flow from operations is $7.21 million

    Cash from operations 1-year change

    +11.07%
    PDLB annual cash flow from operations is up +11.07% year-on-year

    Cash from investing

    -$294.90M
    PDLB annual cash flow from investing activities is -$294.90 million

    Cash from investing 1-year change

    +11.42%
    PDLB annual cash flow from investing activities is up +11.42% year-on-year

    Cash from financing

    $288.33M
    PDLB annual cash flow from financing activities is $288.33 million

    Cash from financing 1-year change

    -29.89%
    PDLB annual cash flow from financing activities is down -29.89% year-on-year

    CAPEX

    CAPEX

    $2.72M
    PDLB annual capital expenditures is $2.72 million

    CAPEX 1-year change

    +561.31%
    PDLB annual capital expenditures is up +561.31% year-on-year

    Free Cash Flow

    Free cash flow

    $4.49M
    PDLB annual free cash flow is $4.49 million

    Free cash flow 1-year change

    -26.11%
    PDLB annual free cash flow is down -26.11% year-on-year

    Profitability Ratios

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    Margins

    Gross margin

    0.00%
    PDLB annual gross profit margin is 0.00%

    Operating margin

    9.22%
    PDLB annual operating profit margin is 9.22%

    Net margin

    13.52%
    PDLB annual net profit margin is 13.52%

    ROA & ROE

    ROA

    0.38%
    PDLB annual return on assets is 0.38%

    ROE

    2.20%
    PDLB annual return on equity is 2.20%

    Valuation

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    PE Ratio

    PE ratio

    20.57
    PDLB price to earnings ratio is 20.57

    PE ratio Sector rank

    68.32%
    PDLB price to earnings ratio is higher than 68.32% of companies in Financial Services sector

    PB Ratio

    PB ratio

    1.14
    PDLB price to book ratio is 1.14

    PB ratio Sector rank

    41.51%
    PDLB price to book ratio is higher than 41.51% of companies in Financial Services sector

    PS Ratio

    PS ratio

    1.86
    PDLB price to sales ratio is 1.86

    PS ratio Sector rank

    40.81%
    PDLB price to sales ratio is higher than 40.81% of companies in Financial Services sector

    Enterprise value

    Enterprise value

    $868.00M
    PDLB enterprise value is $868.00 million

    Enterprise value Sector rank

    56.13%
    PDLB enterprise value is higher than 56.13% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    PDLB EV/EBITDA value is unknown

    EV/EBITDA Sector rank

    -
    PDLB EV/EBITDA is unknown

    Financial Health

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    Liquidity

    Current ratio

    70.81
    PDLB annual current ratio is 70.81

    Quick ratio

    -
    PDLB annual quick ratio value is unknown

    Leverage

    Debt to equity

    1.18
    PDLB annual debt to equity ratio is 1.18

    Interest coverage ratio

    1.18
    PDLB annual interest coverage ratio is 1.18

    Risk & Stability

    Piotroski F-Score

    4
    PDLB piotroski f-score is 4

    Altman Z-Score

    0.40
    PDLB altman z-score is 0.40

    Analyst ratings

    Recent major analysts updates

    Jan 31, 23 Compass Point
    Sell
    Feb 24, 22 Janney Montgomery Scott
    Buy

    Institutional Ownership

    Screeners with PDLB included

    Growing Shares Outstanding
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    • What is the ticker symbol for Ponce Financial Group, Inc.?
    • Does Ponce Financial Group, Inc. pay dividends?
    • What sector is Ponce Financial Group, Inc. in?
    • What industry is Ponce Financial Group, Inc. in?
    • What country is Ponce Financial Group, Inc. based in?
    • When did Ponce Financial Group, Inc. go public?
    • Is Ponce Financial Group, Inc. in the S&P 500?
    • Is Ponce Financial Group, Inc. in the NASDAQ 100?
    • Is Ponce Financial Group, Inc. in the Dow Jones?
    • When was Ponce Financial Group, Inc.'s last earnings report?
    • When does Ponce Financial Group, Inc. report earnings?

    What is the ticker symbol for Ponce Financial Group, Inc.?

    The ticker symbol for Ponce Financial Group, Inc. is NASDAQ:PDLB

    Does Ponce Financial Group, Inc. pay dividends?

    No, Ponce Financial Group, Inc. does not pay dividends

    What sector is Ponce Financial Group, Inc. in?

    Ponce Financial Group, Inc. is in the Financial Services sector

    What industry is Ponce Financial Group, Inc. in?

    Ponce Financial Group, Inc. is in the Regional Banks industry

    What country is Ponce Financial Group, Inc. based in?

    Ponce Financial Group, Inc. is headquartered in United States

    When did Ponce Financial Group, Inc. go public?

    Ponce Financial Group, Inc.'s initial public offering (IPO) was on October 2, 2017

    Is Ponce Financial Group, Inc. in the S&P 500?

    No, Ponce Financial Group, Inc. is not included in the S&P 500 index

    Is Ponce Financial Group, Inc. in the NASDAQ 100?

    No, Ponce Financial Group, Inc. is not included in the NASDAQ 100 index

    Is Ponce Financial Group, Inc. in the Dow Jones?

    No, Ponce Financial Group, Inc. is not included in the Dow Jones index

    When was Ponce Financial Group, Inc.'s last earnings report?

    Ponce Financial Group, Inc.'s most recent earnings report was on July 25, 2025

    When does Ponce Financial Group, Inc. report earnings?

    The next expected earnings date for Ponce Financial Group, Inc. is October 30, 2025
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