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

Company Overview

Ponce Financial Group, Inc. is the holding company for Ponce Bank, a community-focused savings institution headquartered in the Bronx, New York. Founded in 1960, Ponce Bank serves individuals, families and businesses in the New York metropolitan area, with a particular focus on neighborhoods in the Bronx, Brooklyn, Queens, Manhattan and surrounding communities.

Ponce Bank provides a range of banking products and services, including deposit accounts, residential and commercial real estate lending, multifamily and construction loans, commercial and industrial financing, consumer loans and other traditional banking services. The bank has also emphasized serving small businesses and underserved communities within its local market.

Ponce Financial Group became a publicly traded company following Ponce Bank’s mutual holding company reorganization and stock offering. Carlos P. Naudon serves as the company’s chairman, president and chief executive officer. Through Ponce Bank, the company continues to operate as a relationship-oriented financial institution focused on community banking and real estate finance.

Key Stats

• Today's Range: $20.02 to $20.15
• 50-Day Range: $19.92 to $20.76
• 52-Week Range: $13.91 to $21.10
• Volume: 14,509 shs
• Average Volume: 73,787 shs
• Market Capitalization: $484.36 million
• P/E Ratio: 14.30
• Dividend Yield: N/A
• Price Target: $24.00
• Consensus Rating: Buy

Ponce Financial Group Stock Analysis - MarketRank™

Ponce Financial Group scored higher than 49% of companies evaluated by MarketBeat, and ranked 612th out of 836 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: 3.5 / 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 19.6% upside from its current price of $20.07.

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 14.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.95.

Price to Earnings Ratio vs. Sector

The P/E ratio of Ponce Financial Group is 14.34, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.65.

Price to Book Value per Share Ratio

Ponce Financial Group has a P/B Ratio of 1.52. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.72% 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 5.05.

Change versus previous month

Short interest in Ponce Financial Group has recently increased by 2.90%, 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.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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: 10/09/2026
• Next Earnings (Estimated): 10/23/2026
• 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: 216
• 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: +19.8%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.40
• Trailing P/E Ratio: 14.32
• Forward P/E Ratio: 1.90
• P/E Growth: N/A
• Net Income: $28.70 million
• Net Margins: 16.51%
• Pretax Margin: 22.07%
• Return on Equity: 10.52%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 1.85
• Current Ratio: 1.34
• Quick Ratio: 1.34

Sales & Book Value

• Annual Sales: $119.43 million
• Price / Sales: 4.06
• Cash Flow: $1.39 per share
• Price / Cash Flow: 14.40
• Book Value: $13.19 per share
• Price / Book: 1.52

Miscellaneous

• Outstanding Shares: 24,188,000
• Free Float: 22,446,000
• Market Cap: $484.61 million
• Optionable: Not Optionable
• Beta: 0.72