Ponce Financial Group Inc (PDLB)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 20.20 $ — 94% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
This stock currently pays no dividend.
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
8 of 10 Growth gemTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 30.7% passed
- More than 10% revenue growth is expected for the coming year no data
- Share count grows by less than 3% a year 0.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 44.3% passed
- Gross margin at 40% or higher and without meaningful erosion 54.5% passed
- Goodwill from acquisitions does not grow faster than revenue 0.0% passed
- Net debt below twice EBITDA 9.5 x EBITDA failed
- Operating cash flow covers the profits of the last three years 26 m passed
- Return on capital at 15% or higher, or up versus two years ago 3.4% passed
- Insiders hold at least 10% or are net buyers 18.2% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 18.8% above the current price.
- Consensus
- Strong Sell
- Analyst Ratings
- 1
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 10.53 | 10.53 – 10.53 | 0 | 777.5% | 1 |
| 12/31/2027 | 1.77 | 1.77 – 1.77 | 0 | -83.2% | 1 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.12 | 466.20 | 44 | 24.10 | 6.60 | 23 | 22 |
| 2025: Q1 | 0.25 | 146.90 | 46 | 13.20 | 13.00 | 13 | 13 |
| 2025: Q2 | 0.25 | 91.10 | 48 | 18.00 | 12.80 | 6 | 6 |
| 2025: Q3 | 0.27 | 167.50 | 48 | 15.40 | 13.50 | 1 | 2 |
| 2025: Q4 | 0.42 | 245.60 | 52 | 17.90 | 19.40 | 35 | 35 |
| 2026: Q1 | 0.36 | 44.70 | 51 | 10.30 | 17.00 | 14 | 14 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 35 | 2 | 1 | 0.17 | 4 | 93 | 745 |
| 2017 | 41 | -3 | -4 | -0.24 | 9 | 165 | 926 |
| 2018 | 48 | 4 | 3 | 0.15 | 8 | 169 | 1,060 |
| 2019 | 52 | -6 | -5 | -0.29 | 5 | 158 | 1,054 |
| 2020 | 61 | 5 | 4 | 0.23 | -28 | 160 | 1,355 |
| 2021 | 78 | 34 | 25 | 1.51 | 19 | 189 | 1,654 |
| 2022 | 87 | -37 | -30 | -1.32 | 10 | 493 | 2,312 |
| 2023 | 134 | 6 | 3 | 0.15 | 6 | 491 | 2,751 |
| 2024 | 167 | 16 | 11 | 0.49 | 7 | 506 | 3,040 |
| 2025 | 194 | 40 | 29 | 1.23 | 56 | 542 | 3,224 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
Ponce Financial Group, Inc. ist die Bankholding der Ponce Bank, die verschiedene Bankprodukte und -dienstleistungen anbietet.
| Employees | 229 |
|---|---|
| Headquarters | Bronx, NY |
| Address | 2244 Westchester Avenue, 10462 Bronx, United States |
| Phone | 718 931 9000 |
| Website | poncebank.com |
| IPO Date | 2. Oct 2017 |
| ISIN | US69290X1019 |
| Stock Split | 1395:1000 on 01/28/2022 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Steven A. Tsavaris | Executive Chairman of the Board | 1950 |
| Carlos P. Naudon | President, CEO & Director | 1951 |
| Sergio J. Vaccaro | Executive VP & CFO | 1977 |
| Luis Gerardo Gonzalez Jr. | Executive VP & COO | 1984 |
| Frank Perez CPA | Executive VP & Chief Investor Relations Officer | 1968 |
| Melissa Antonia DeLeon | Executive VP & Chief Human Resources Officer | 1988 |
| Madeline V. Marquez | Executive VP & Chief External Affairs Officer | 1958 |
| David Rodriguez | Chief Relationship Manager & Senior VP | 1956 |
| Michael Lagoudis | Senior Vice President | – |
| Betty Yolainy Campiz | Executive VP & Chief Banking Officer | 1988 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.