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Ponce Financial Group, Inc.(PDLB)Earnings, Financials & Key Ratios
PDLB•NASDAQ•Banking & Credit
$19.98
16.8× P/E·Price updated Jun 30, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial real estate and multifamily lenders
AboutPonce Financial Group, Inc. operates as the bank holding company for Ponce Bank that provides various banking products and services. It accepts various deposit products, including demand accounts, NOW/IOLA accounts, money market accounts, reciprocal deposits, savings accounts, and certificates of deposit. The company also provides one-to-four family investor-owned and owner-occupied residential, multifamily residential, nonresidential property, construction and land, commercial and industrial, business, and consumer loans; lines of credit; and paycheck protection program. In addition, it invests in securities, which consist of U.S. Government and federal agency securities and securities issued by government-sponsored or government-owned enterprises, as well as mortgage-backed securities, corporate bonds and obligations, and Federal Home Loan Bank stock. It operates 4 banking offices in Bronx, 2 banking offices in Manhattan, 3 banking offices in Queens, and 3 banking offices in Brooklyn, New York; 1 banking office in Union City, New Jersey; and 2 mortgage loan offices in Queens, 1 mortgage loan office in Brooklyn, New York; and 1 mortgage loan office in Englewood Cliffs and 1 mortgage loan office in Bergenfield, New Jersey. Ponce Financial Group, Inc. was founded in 1960 and is headquartered in Bronx, New York.Show more
- Net Interest Income$100M+30.5%
- Total Revenue$194M+16.1%
- Net Income$29M+161.6%
- Return on Equity5.48%+149.1%
- Net Interest Margin3.1%+23.1%
- Efficiency Ratio34.16%-10.9%
- ROA0.92%+141.8%
- Equity / Assets16.8%+1.0%
- Book Value per Share23.28+3.9%
PDLB Price & Volume
Ponce Financial Group, Inc. (PDLB) stock price & volume — 10-year historical chart
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Operational Scaling Offsets NYC Multifamily Concentration Risk
Investment Thesis • Updated 2026Q1
VerdictPositive: The stock presents a compelling valuation at a 0.85 price-to-book ratio and a 11.97 forward P/E
Growth:Accelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Improving
Primary Risk:NYC Multifamily Concentration Risk
Key Thesis Takeaways
- Ponce Financial Group demonstrates accelerating growth with a 27.1% year-over-year increase in net interest income as of 2026Q1, supported by a disciplined efficiency ratio improvement from 54.0% in 2023Q4 to 34.0%.
- While the bank maintains a fortress-like capital position with an equity-to-assets ratio of 0.17, investors should monitor the inherent concentration risk within its New York City multifamily loan portfolio.
- The current valuation, trading at a 0.85 price-to-book ratio, appears to reflect both the potential for continued earnings expansion and the structural sensitivity to local real estate regulatory environments.
Verdict Logic
supported by a 44.0% year-over-year EPS growth rate observed in 2026Q1.
PDLB Growth Metrics
Ponce Financial Group, Inc. (PDLB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18.59%
5 Years26.09%
3 Years30.65%
TTM-
Profit CAGR
10 Years27.55%
5 Years49.43%
3 Years-
TTM116.07%
EPS CAGR
10 Years14.77%
5 Years38.92%
3 Years-
TTM114.81%
Return on Capital
10 Years1.27%
5 Years2.16%
3 Years1.74%
Last Year3.4%
PDLB Recent Earnings
Ponce Financial Group, Inc. (PDLB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (100%)●Beat Revenue 5/12 qtrs (100%)
Q2 2026Latest
Apr 24, 2026Metric
Actual
Est
EPS
$0.36+33.3%
$0.27
Rev
$30M+13.4%
$27M
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$0.42+50.0%
$0.28
Rev
$31M+17.7%
$27M
Q4 2025
Oct 24, 2025Metric
Actual
Est
EPS
$0.27+22.7%
$0.22
Rev
$48M
—
Q3 2025
Jul 25, 2025Metric
Actual
Est
EPS
$0.25+47.1%
$0.17
Rev
$48M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $0.36vs $0.27+33.3% | $30Mvs $27M+13.4% |
| Q1 2026 | Jan 27, 2026 | $0.42vs $0.28+50.0% | $31Mvs $27M+17.7% |
| Q4 2025 | Oct 24, 2025 | $0.27vs $0.22+22.7% | $48M |
| Q3 2025 | Jul 25, 2025 | $0.25vs $0.17+47.1% | $48M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Ponce Financial Group, Inc. (PDLB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $19.98 | $483.27M | 16.79 | 16.15% | 14.77% | 5.48% | 0.24% | |
| $1.40 | $7.4M | -0.53 | -8.28% | -35.2% | -44.42% | — | |
| $18.00 | $116.33M | 11.54 | 12.08% | 18.32% | 9.28% | — | |
| $27.74 | $383.76M | 8.54 | -1.55% | 28.51% | 12.62% | — | |
| $9.27 | $583.39M | 22.07 | 5.09% | 10.39% | 4.75% | — | |
| $49.17 | $2.56B | 14.77 | 10.36% | 19.66% | 9.83% | — |
Compare PDLB vs Peers
Ponce Financial Group, Inc. (PDLB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PDLB SEC Filings & Documents
Ponce Financial Group, Inc. (PDLB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PDLB Frequently Asked Questions
Ponce Financial Group, Inc. (PDLB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Ponce Financial Group, Inc. growing?
Ponce Financial Group, Inc. (PDLB) grew revenue by 16.1% over the past year. This is strong growth.
Is PDLB profitable?
Yes, Ponce Financial Group, Inc. (PDLB) is profitable, generating $31.4M in net income for fiscal year 2025 (14.8% net margin).
Dividend & Returns
Does PDLB pay dividends?
Yes, Ponce Financial Group, Inc. (PDLB) pays a dividend with a yield of 0.24%. This makes it attractive for income-focused investors.
What is PDLB's return on equity?
Ponce Financial Group, Inc. (PDLB) has a return on equity (ROE) of 5.5%. This is below average, suggesting room for improvement.
Industry Metrics
What is Ponce Financial Group, Inc.'s net interest margin?
Ponce Financial Group, Inc. (PDLB) has a net interest margin (NIM) of 3.1%. This indicates healthy earnings from lending activities.
What is Ponce Financial Group, Inc.'s efficiency ratio?
Ponce Financial Group, Inc. (PDLB) has an efficiency ratio of 34.2%. This is excellent, indicating strong cost control.