Ponce Financial Group (PDLB) Stock Price, News & Analysis

Company Overview

Ponce Financial Group, Inc. (NASDAQ: PDLB) is a bank holding company based in Puerto Rico. Through its primary subsidiary, Banco Ponce, the company offers a range of commercial and retail banking services tailored to individuals, small businesses and corporate clients across the island.

The company’s core business activities include deposit-taking, commercial and consumer lending, mortgage origination and servicing, and treasury management solutions. In addition to traditional banking products, Ponce Financial Group provides cash management, electronic banking and wealth management services designed to support the financial needs of its diverse client base.

Ponce Financial Group operates exclusively in Puerto Rico, serving both urban and rural communities through its branch network. As a locally focused institution, it emphasizes personalized customer service and community development. The company is regulated by federal and local banking authorities in accordance with industry standards.

Key Stats

• Today's Range: $19.91 to $20.31
• 50-Day Range: $18.50 to $20.55
• 52-Week Range: $13.71 to $20.74
• Volume: 85,632 shs
• Average Volume: 72,417 shs
• Market Capitalization: $488.11 million
• P/E Ratio: 14.41
• Dividend Yield: N/A
• Price Target: $24.00
• Consensus Rating: Buy

Ponce Financial Group Stock Analysis - MarketRank™

Ponce Financial Group scored higher than 65% of companies evaluated by MarketBeat, and ranked 536th out of 856 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.4 / 5
• Analyst Rating: Buy

Consensus Rating

Ponce Financial Group has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 1 strong buy rating, 1 buy rating, 1 hold rating, and no sell ratings.

Upside Potential

Ponce Financial Group has a consensus price target of $24.00, representing about 18.9% upside from its current price of $20.18.

Amount of Analyst Coverage

Ponce Financial Group has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: -83.19%

Earnings Growth

Earnings for Ponce Financial Group are expected to decrease by -83.19% in the coming year, from $10.53 to $1.77 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Ponce Financial Group is 14.41, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.97.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ponce Financial Group is 14.41, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 28.43.

Price to Book Value per Share Ratio

Ponce Financial Group has a P/B Ratio of 1.53. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.30% of the float of Ponce Financial Group has been sold short.

Short Interest Ratio / Days to Cover

Ponce Financial Group has a short interest ratio ("days to cover") of 5.8.

Change versus previous month

Short interest in Ponce Financial Group has recently decreased by 7.10%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Ponce Financial Group does not currently pay a dividend.

Dividend Growth

Ponce Financial Group does not have a long track record of dividend growth.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: 0.19

News Sentiment

Ponce Financial Group has a news sentiment score of 0.19. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.80 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 news articles for Ponce Financial Group this week, compared to 1 article on an average week.

Search Interest

1 people have searched for PDLB on MarketBeat in the last 30 days.

Company Ownership

• Score: 1.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Ponce Financial Group insiders have not sold or bought any company stock.

Percentage Held by Insiders

7.20% of the stock of Ponce Financial Group is held by insiders.

Percentage Held by Institutions

64.35% of the stock of Ponce Financial Group is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/27/2026
• Today: 7/31/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:PDLB
• CIK: 1874071
• Web: www.poncebank.com
• Phone: (718) 931-9000
• Fax: N/A
• Employees: 250
• Year Founded: 1960

Price Target and Rating

• Average Price Target for Ponce Financial Group: $24.00
• High Price Target: $24.00
• Low Price Target: $24.00
• Potential Upside/Downside: +19.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.40
• Trailing P/E Ratio: 14.40
• Forward P/E Ratio: 1.91
• P/E Growth: N/A
• Net Income: $28.70 million
• Net Margins: 16.51%
• Pretax Margin: 20.99%
• Return on Equity: 10.69%
• Return on Assets: 1.05%

Debt

• Debt-to-Equity Ratio: 1.75
• Current Ratio: 1.33
• Quick Ratio: 1.33

Sales & Book Value

• Annual Sales: $119.43 million
• Price / Sales: 4.08
• Cash Flow: $1.40 per share
• Price / Cash Flow: 14.42
• Book Value: $13.19 per share
• Price / Book: 1.53

Miscellaneous

• Outstanding Shares: 24,188,000
• Free Float: 22,446,000
• Market Cap: $487.27 million
• Optionable: Not Optionable
• Beta: 0.68