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

Company Overview

Ponce Financial Group (NASDAQ:PDLB) is a specialty finance company that provides bespoke financing solutions to lower-middle-market businesses in the United States. Originally founded in 2007 under the name Portfolio Solutions, the firm repositioned itself as Ponce Financial Group in 2020 to reflect its broader capital markets focus. As a closed-end management investment company operating as a business development company (BDC), Ponce Financial Group seeks to capitalize on direct lending opportunities by targeting companies with EBITDA of $2 million to $25 million.

Through its internal origination and underwriting platform, Ponce Financial Group structures credit and equity investments, including senior secured loans, unitranche facilities, equipment financing, mezzanine debt and equity co-investments. Its portfolio spans a diverse range of industries such as manufacturing, healthcare, energy and business services. By delivering flexible capital solutions, the firm aims to support growth initiatives, refinance existing debt and fund acquisitions for its portfolio companies.

While Ponce Financial Group primarily focuses on the domestic U.S. lower-middle market, it maintains capabilities to serve select international segments, including Puerto Rico and other U.S. territories. The company’s management team leverages deep industry relationships and market insights to source, diligence and monitor investments. Its credit professionals employ rigorous risk management and active portfolio oversight to seek attractive risk-adjusted returns.

The leadership team is composed of seasoned executives with extensive experience in credit analysis, corporate finance and capital markets. Supported by an advisory board of industry veterans, Ponce Financial Group emphasizes disciplined credit underwriting, transparent governance and alignment of interests. Through its targeted investment strategy, the company positions itself as a strategic financing partner to mid-sized enterprises across a variety of sectors.

Key Stats

• Today's Range: $14.00 to $14.30
• 50-Day Range: $12.87 to $14.39
• 52-Week Range: $9.05 to $14.46
• Volume: 19,523 shs
• Average Volume: 51,606 shs
• Market Capitalization: $336.34 million
• P/E Ratio: 22.98
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Ponce Financial Group Stock Analysis - MarketRank™

Ponce Financial Group scored higher than 28% of companies evaluated by MarketBeat, and ranked 881st out of 936 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: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Ponce Financial Group.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 5.13%

Earnings Growth

Earnings for Ponce Financial Group are expected to grow by 5.13% in the coming year, from $0.39 to $0.41 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Ponce Financial Group is 22.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.37.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ponce Financial Group is 22.98, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 18.42.

Price to Book Value per Share Ratio

Ponce Financial Group has a P/B Ratio of 1.19. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.76% 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 3.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ponce Financial Group has recently increased by 1.51%, indicating that investor sentiment is decreasing.

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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.76% 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 3.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Ponce Financial Group has recently increased by 1.51%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.93

News Sentiment

Ponce Financial Group has a news sentiment score of 0.93. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 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: 1.7 / 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

Only 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.

PDLB Stock Analysis - Frequently Asked Questions

How have PDLB shares performed this year?

Ponce Financial Group's stock was trading at $13.00 at the beginning of the year. Since then, PDLB shares have increased by 7.8% and is now trading at $14.02.

How were Ponce Financial Group's earnings last quarter?

Ponce Financial Group, Inc. (NASDAQ:PDLB) announced its quarterly earnings data on Friday, April, 25th. The company reported $0.25 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.09 by $0.16. The company had revenue of $24.58 million for the quarter, compared to analysts' expectations of $23.40 million. Ponce Financial Group had a net margin of 8.30% and a trailing twelve-month return on equity of 5.18%.

Who are Ponce Financial Group's major shareholders?

Ponce Financial Group's top institutional shareholders include MassMutual Private Wealth & Trust FSB (0.01%). Insiders that own company stock include Steven Tsavaris, Carlos P Naudon, David Rodriguez and Luis Gerardo Jr Gonzalez.
View institutional ownership trends.

How do I buy shares of Ponce Financial Group?

Shares of PDLB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Ponce Financial Group own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Ponce Financial Group investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Arista Networks (ANET), ServiceNow (NOW) and GE Aerospace (GE).

Company Calendar

• Last Earnings: 4/25/2025
• Today: 7/12/2025
• Next Earnings (Estimated): 7/29/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

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

Profitability

• EPS (Trailing Twelve Months): $0.61
• Trailing P/E Ratio: 22.98
• Forward P/E Ratio: 35.95
• P/E Growth: N/A
• Net Income: $10.97 million
• Net Margins: 8.30%
• Pretax Margin: 11.38%
• Return on Equity: 5.18%
• Return on Assets: 0.48%

Debt

• Debt-to-Equity Ratio: 1.80
• Current Ratio: 1.26
• Quick Ratio: 1.25

Sales & Book Value

• Annual Sales: $169.85 million
• Price / Sales: 1.98
• Cash Flow: $0.65 per share
• Price / Cash Flow: 21.43
• Book Value: $11.77 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 23,990,000
• Free Float: 22,258,000
• Market Cap: $336.34 million
• Optionable: Not Optionable
• Beta: 0.66