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: $14.66 to $14.91
• 50-Day Range: $13.72 to $15.00
• 52-Week Range: $10.88 to $15.21
• Volume: 21,719 shs
• Average Volume: 25,816 shs
• Market Capitalization: $354.72 million
• P/E Ratio: 20.53
• Dividend Yield: N/A
• Price Target: N/A
• Consensus Rating: N/A

Ponce Financial Group Stock Analysis - MarketRank™

Ponce Financial Group scored higher than 34% of companies evaluated by MarketBeat, and ranked 818th out of 956 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: 1.9 / 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 20.53, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 281.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ponce Financial Group is 20.53, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.01.

Price to Book Value per Share Ratio

Ponce Financial Group has a P/B Ratio of 1.26. 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

0.74% 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 4.5.

Change versus previous month

Short interest in Ponce Financial Group has recently decreased by 1.25%, indicating that investor sentiment is improving.

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

0.74% 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 4.5.

Change versus previous month

Short interest in Ponce Financial Group has recently decreased by 1.25%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Ponce Financial Group has a news sentiment score of 1.89. 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 higher news sentiment than the 1.07 average news sentiment score of Finance companies.

News Coverage This Week

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

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 6.70% 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 stock has increased by 13.7% and is now trading at $14.78.

How were Ponce Financial Group's earnings last quarter?

Ponce Financial Group, Inc. (NASDAQ:PDLB) announced its earnings results on Friday, July, 25th. The company reported $0.25 earnings per share for the quarter, topping analysts' consensus estimates of $0.17 by $0.08. The business earned $26.49 million during the quarter, compared to analysts' expectations of $25.40 million. Ponce Financial Group had a net margin of 9.59% and a trailing twelve-month return on equity of 6.09%.

Who are Ponce Financial Group's major shareholders?

Ponce Financial Group's top institutional investors include M3F Inc. (9.65%), Bank of America Corp DE (2.07%), Geode Capital Management LLC (2.00%) and Empirical Finance LLC (0.98%). 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: 7/25/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 10/29/2025
• 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): $0.72
• Trailing P/E Ratio: 20.53
• Forward P/E Ratio: 37.90
• P/E Growth: N/A
• Net Income: $10.97 million
• Net Margins: 9.59%
• Pretax Margin: 12.94%
• Return on Equity: 6.09%
• Return on Assets: 0.57%

Debt

• Debt-to-Equity Ratio: 1.81
• Current Ratio: 1.28
• Quick Ratio: 1.27

Sales & Book Value

• Annual Sales: $169.85 million
• Price / Sales: 2.09
• Cash Flow: $0.65 per share
• Price / Cash Flow: 22.59
• Book Value: $11.77 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 24,000,000
• Free Float: 22,393,000
• Market Cap: $354.72 million
• Optionable: Not Optionable
• Beta: 0.78